Newcastle Permanent credit cards

Newcastle Permanent
Newcastle Permanent's overall rating for credit cards

(as rated by the Mozo community)

8.3 / 10

based on 56 reviews

As one of the largest building societies in Australia, Newcastle Permanent knows its customers. And what are those customers asking for? An easy to use credit card with low rates, all of the convenience and none of the hassle.

Have Newcastle Permanent delivered? Read on for all the details about the credit card on offer from Newcastle Permanent and judge for yourself.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Newcastle Permanent offer?

Low rate credit cards Low rate credit cards

Well, if you’re after simplicity, you came to the right place. The credit card offering from Newcastle Permanent is a low rate option, which means it’s a great way to keep costs down and use your credit card without getting yourself into trouble. But it’s also pretty basic in terms of rewards or freebies. Check out the details below:

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.99% p.a.

No current offer

$49

55


Hide

Low fee credit cards Low fee credit cards

Simplicity is key here, so don't expect all the bells and whistles of more expensive cards. But if you're looking for a convenient and budget-friendly piece of plastic, then the low fee credit card from Newcastle Permanent is a good bet.

Product Purchase rate Balance transfer rate Annual fees Interest free days

11.99% p.a.

No current offer

$49

55


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Newcastle Permanent credit cards

What interest free period will I get with a Newcastle Permanent credit card?

You’ll have a leisurely 55 interest free days to pay off any purchases on your Newcastle Permanent credit card. But remember that the interest free period doesn’t apply to cash advances.

Although a low rate card means interest might not hit you as hard as it could, you should try to pay off your balance before the interest free period is up. If you don’t, not only will you pay interest, but you’ll lose your interest free days for the next month. It’s all too easy to get behind on payments once you get into the habit of delaying.

What fees might I be charged?

You will be up for some fees on your Newcastle Permanent credit card, including:

The annual fee

Foreign currency conversion fee

Cash advance fees

Can I use my Newcastle Permanent credit card for a balance transfer?

You can apply to do a balance transfer onto your Newcastle Permanent credit card, but there are a few important things to remember when you do:

You need to transfer a minimum balance of $500

Once your agreed balance transfer period is up, you’ll be charged interest at the normal rate

Regular interest free days don’t apply to balance transfers

Can I use paypass with my Newcastle Permanent credit card?

The Newcastle Permanent credit card operates on the VISA network, which means you can use payWave to pay for your small purchases. For anything under $100, you can tap your card, and you’re done! Talk about convenient. 

Can I use my Newcastle Permanent credit card while I’m travelling overseas?

Yep! Another good thing about your Newcastle Permanent credit card working on the VISA network is that you can use it pretty much wherever VISA is accepted, all around the world.

Keep in mind that if you are using your credit card overseas, you’ll have to pay foreign currency conversion fees on all transactions. And, you might not even know exactly what the conversion is, as it can fluctuate a little bit, depending of how quickly VISA processes the payment. So it’s a good idea to keep an eye on the foreign exchange rates when you’re travelling.

When you get your credit card statement at the end of the month, international transaction will be broken down in both Aussie dollars and whatever foreign currency you were using, so you’ll know exactly what you paid. 

What features does the Newcastle Permanent credit card come with?

The Newcastle Permanent credit card offering is designed to keep costs down and make your spending simple. Which means that while it’s got a bunch of cool bits, you’ll miss out on some of the more extravagant features, like rewards programs and complimentary insurances.

If those things are important to you, check out a great rewards credit card, or luxe premium credit card.

Avoiding credit card fraud

While credit card fraud is an unfortunate reality, there are a few simple steps you can and should take toward protecting your money. Mostly, it’s just about being vigilant, and not doing anything silly or that doesn’t seem to be on the up and up. To keep yourself safe:

Don’t write your PIN or card details down anywhere, and especially not together.

Never follow links from an email back to Newcastle Permanent’s website, especially if the email is asking for security details. No bank or building society will ask for those details online.

When you pay via eftpos, don’t let the machine out of your sight. It’s a red flag if a business needs to take your card into another room or even below the counter to process payment.

Check out our guide on avoiding credit card fraud for more helpful tips.

With a Newcastle Permanent credit card, you’re also protected by VISA’s zero liability policy - which means that if someone is using your card fraudulently you will be reimbursed, as long as you’ve practiced good credit card safety, for example, taking the steps above.

How are Newcastle Permanent credit cards rated?

Mozo users have rated Newcastle Permanent credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Newcastle Permanent credit cards

Overall 8.3

Price

Features

Customer service

Convenience

Trust

54 Reviews

Recent Newcastle Permanent credit card reviews Recent Newcastle Permanent credit card reviews

Newcastle Permanent

Newcastle Permanent credit card review

Overall rating   7 / 10

Not good

Fees are expensive.

Full review

Fees are expensive.

    Price   7 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   5 / 10

Less

John, New South Wales, reviewed 24 days ago

Newcastle Permanent

Newcastle Permanent Value+ credit card review

Overall rating   5 / 10

Good provider

It's o.k works great been with them for few years

Full review

It's o.k works great been with them for few years

    Price   9 / 10

Less

Tammy, New South Wales, reviewed over 1 year ago

Newcastle Permanent

Newcastle Permanent Value+ credit card review

Overall rating   8 / 10

Prime customer service

I love dealing with the permanent, always friendly, secure and prompt. Only wish my credit card was attached to a rewards program.

Full review

I love dealing with the permanent, always friendly, secure and prompt. Only wish my credit card was attached to a rewards program.

    Price   9 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Mia, New South Wales, reviewed over 2 years ago

Newcastle Permanent

Newcastle Permanent credit card review

Overall rating   8 / 10

Great

Satisfied and that's all that matters

Full review

Satisfied and that's all that matters

    Price   8 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

Less

Lauren, New South Wales, reviewed almost 3 years ago

Newcastle Permanent

Newcastle Permanent credit card review

Overall rating   10 / 10

Great customer service

Interest rate competitive, the only negative is no reward system.

Full review

Interest rate competitive, the only negative is no reward system.

    Price   8 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Gordon, New South Wales, reviewed about 3 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

What do you need to apply for a Newcastle Permanent credit card? What do you need to apply for a Newcastle Permanent credit card?

To apply for a Newcastle Permanent credit card, you should be over 18 and an Australian resident. You can apply over the phone, online or in your local branch.

Some other things you’ll need are:

  • An Australian mobile number
  • An email address
  • I.D.
  • Financial Details (to apply for a credit card with Newcastle Permanent, you need to be able to prove that you make more than $20,000 a year.)
Hide

More helpful credit card quick links