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Visa Credit Card

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Important Rates

Rates

Balance Transfer

Overseas spending

Rewards

Eligibility

Features

The People’s Choice Credit Union Visa credit card has a moderately low annual fee and no late payment fee. The card offers a very low introductory interest rate for six months, followed by a moderately low ongoing interest rate. This card has a high number of interest-free days.

While the People’s Choice Credit Union Visa credit card does not have an associated rewards scheme, card holders will gain access to Visa Entertainment, which includes pre-sale tickets for some of the most popular concerts and events.

The People’s Choice Credit Union Visa card uses Visa Checkout by Visa, which lets customers make online purchases safely and conveniently. Verified by Visa also helps prevent fraudulent and unauthorised purchases.

The People’s Choice Credit Union Visa credit card is enabled with Visa payWave for tap-and-go payments under $100.

Pros
  • High number of interest-free days
  • Access to Visa Entertainment
  • No late payment fee
Cons
  • Charges an annual fee
  • No rewards scheme
  • No complimentary insurance

 

Who is it good for?

The People’s Choice Credit Union Visa credit card may be a reasonable choice for card holders who struggle to pay their credit card bill in full each month. The very low interest rate for six months may help budget customers to take control of their debt. The card also offers a high number of interest-free days when compared with other credit cards.

The People’s Choice Credit Union Visa credit card may not be the right fit for customers who want to minimise the costs associated with credit cards. The People’s Choice Credit Union Visa card charges a moderately low annual fee, but the fee is not waived in the first year. Customers who want to eliminate unnecessary fees should consider a no-annual-fee credit card.

This card is also not well suited to those who want to earn rewards for their spending.

What RateCity says

The People’s Choice Credit Union Visa credit card charges a reasonable annual fee, no late payment fee and offers a very low introductory interest rate. This interest rate, combined with no late payment fee, means this card may be a sensible choice for budget card holders. After the six-month introductory period has expired, card holders will be charged a moderately low interest rate.

Although the People’s Choice Credit Union Visa credit card may be well suited to budget customers, it offers few advantages to those who do not require low rates. The card does not offer a rewards scheme, which means card holders do not earn points, cash back benefits or frequent flyer miles on their purchases. Rewards-seeking customers may be better off looking for a card with a rewards program that suits their preferences.

Applying/eligibility

Applicants can apply for the People’s Choice Credit Union Visa credit card through a secure online portal. Customers can save their online application to complete at a later time. In order to be eligible for the People’s Choice Credit Union Visa credit card, you must be at least 18 years old, be an Australian citizen or permanent resident, and have a good credit rating. When applying, you may be asked for employment details and financial information.

About People’s Choice Credit Union

People’s Choice Credit Union is one of the largest credit unions in Australia. It has over 360,000 members and has branches in South Australia, Northern Territory, Victoria, Western Australia and the Australian Capital Territory. Founded in 1949, People’s Choice Credit Union has grown in both services and membership over its history. People’s Choice Credit Union offers a range of products and services, including credit cards, bank accounts, investment options and insurance.

FAQs

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers: Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

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