People’s Choice is one of Australia’s largest credit unions. People’s Choice Credit Union is member-owned and does not have shareholders. Originally established in 1949, People’s Choice was created in 2009 through the merger of Australian Central and Savings & Loans.
People’s Choice has over 360,000 members across the country and employs over 1,000 staff. It operates 40 branches and four advice centres in South Australia, Northern Territory, Victoria, Western Australia and the ACT.
People's Choice Credit Union credit cards rates
Product Name Card
Interest Free Days
Max Free Days
Late Payment Fee
Go to site
for 6 months then 12.95%
Interest Free Days
People's Choice Credit Union Visa Credit Card
Max Free Days
- Moderately low annual fee
- Covered by Visa Checkout and Verified by Visa
- Eligible for Apply Pay, Google Pay and Samsung Pay
- No rewards scheme
- No frequent flyer points
- Small selection of credit cards
About People’s Choice Credit Union credit cards
As a credit union, People’s Choice offers fewer credit card options than one may find with the big four banks in Australia. Because it is owned by its members rather than by shareholders, People’s Choice Credit Union focuses on offering credit cards with reasonable rates and fees.
People’s Choice offers classic credit cards backed by Visa. Its offering does not include platinum, frequent flyer, student or rewards credit cards.
People’s Choice Credit Union credit card rates tend to be moderate, though eligible customers will enjoy a very low introductory interest rate. After the introductory deal has expired, the card will incur a standard interest rate.
The fees charged by People’s Choice Credit Union are generally reasonable, with most cards incurring a moderately low annual fee. People’s Choice Credit Union also charges small fees for cash advances and balance transfers.
People’s Choice Credit Union credit cards review
People’s Choice Credit Union offers no-frill credit cards, making it suitable for budget card holders and everyday spenders. People’s Choice credit cards do not include a rewards scheme.
Although People’s Choice Credit Union does not offer a rewards credit card, customers are given access to Visa Entertainment, which includes a range of exclusive entertainment offers.
Like many credit unions, People’s Choice uses its profits to keep rates and fees reasonable. People’s Choice Credit Union credit card rates are moderate, while the annual fees tend to be moderately low.
People’s Choice Credit Union credit cards are accepted worldwide and are protected by Visa Checkout by Visa and Verified by Visa. Credit cards issued by People’s Choice are equipped with payWave and are eligible for Apple Pay, Samsung Pay and Google Pay.
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A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
To get a new credit card, generally you need to be at least 18 years old and have a good credit rating. You don’t need to be an Australian citizen. Usually you can apply online or in person at a branch of the card issuer. You’ll typically have to supply information like:
- Your income and living costs (e.g. rent/mortgage, loan repayments, living expenses)
- Your employer’s contact details
- Details of your assets and any debts you are paying off