People’s Choice Credit Union have branches all over Australia, except in NSW and QLD and around 345,000 members Australia wide. Check out the credit card on offer from People’s Choice Credit Union below to see if it’s the right addition to your wallet. It might be called People’s Choice - but is it your choice?
Rates and fees verified as correct at 20 February, 2020. Other information correct at the time of writing.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 2.99% p.a. for 6 months then 15.75% p.a. | 2.99% p.a. for 6 months and then 15.75% p.a. | $59 | 62 |
With a People's Choice Credit Union credit card in your pocket, you’ll get a slightly longer than average time period in which to pay off your purchases interest free. From the beginning of your statement cycle, you’ll have 62 days to pay off any balances before being charged interest.
But remember, if you make a purchase after the beginning of your statement cycle, you’ll have less than 62 days. So to make the most of your interest free period, hit the shops early in the month!
When you open your People’s Choice Credit Union credit card account, you’ll be charged the annual fee, which is charged each year on the anniversary of your account opening. However, if you’re under 25 and have an Activate Account or if you have an active home loan with People’s Choice Credit Union then the annual fee will be waived.
You should also take into consideration the foreign exchange margin for if you’ll be spending overseas, and the reasonably hefty cash advance fee.
We’re going to let you in on a secret - the best way to use your credit card is to keep up with monthly payments and pay off your entire balance. Not only does it stop the interest piling up, but it means you get to keep your interest free days.
But if you’re struggling with meeting payments, a short term solution might be to just make the minimum repayments each month. On a People’s Choice Credit Union credit card, this would be either $10 or 3% of your closing balance - whichever is the larger amount.
As a no-frills option, the People’s Choice Credit Union credit card doesn’t actually come with a rewards program attached.
If you’re looking for a card with some rewards earning power so you can cash in on all the freebies and perks on offer, check out these great rewards card options instead.
Good news: You can use your People’s Choice credit Union credit card for a balance transfer and manage your previous credit card debts by paying one low interest rate.
Bad news: Unlike many other balance transfer offers, you won’t get a zero interest period on this transferred balance. Plus, the low rate you do pay will revert back to the higher regular rate after a short introductory period.
The verdict: A People’s Choice Credit Union credit card is probably not the best option around for a balance transfer. Having said that - if you’re paying a huge amount of interest on your current card, a balance transfer could be well worth the effort!
You’ve seen the VISA ads, right? You can use your People’s Choice Credit Union card anywhere in the world that VISA is accepted - which is most places these days.
PayWave is a VISA scheme that allows you to make contactless payments for purchases under $100. Because your People’s Choice Credit Card is a VISA card, you can use it to make payments via payWave.
When you use your People’s Choice Credit Union credit card to shop online, you’ll be protected by Verified by Visa. What that means, is that any online transactions made on your card will be analysed for risk. If one is deemed risky, you’ll be asked for some secure details to verify that it is you using your card, and not scammers.
Why might a transaction be deemed risky?
It is for a high dollar amount
You’re shopping with an online retailer you haven’t shopped with before
What details will I be asked for to confirm my identity?
The name on your card
Date of birth
Member number
Mozo users have rated People’s Choice Credit Union credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
Innovative approach to banking that the others are starting to achieve. Always staff on hand if I need face to face time but their online facilities are exceptional and it is only because I am older and used to be unsure online that I have needed...
Innovative approach to banking that the others are starting to achieve. Always staff on hand if I need face to face time but their online facilities are exceptional and it is only because I am older and used to be unsure online that I have needed personal attention that was freely and happily given. Well done.
Greg, South Australia, reviewed about 4 hours ago
Does what it needs to. I'm happy with the product.
Does what it needs to. I'm happy with the product.
Peter, South Australia, reviewed 2 months ago
I have been with the PCCU for many years, originally joining because had no luck with all banks when trying to get a home lone as a single female. Have always had been dealt with in a friendly competent and efficient way.
I have been with the PCCU for many years, originally joining because had no luck with all banks when trying to get a home lone as a single female. Have always had been dealt with in a friendly competent and efficient way.
Jean, South Australia, reviewed 3 months ago
Always helpful whatever the problem. For example, about 20 years ago $10,000 went missing from my account, long story short they found how it was done and I was reimbursed. They were also very helpful in setting up internet banking.
Always helpful whatever the problem. For example, about 20 years ago $10,000 went missing from my account, long story short they found how it was done and I was reimbursed. They were also very helpful in setting up internet banking.
Ray, Victoria, reviewed over 1 year ago
They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.
They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.
Betty, South Australia, reviewed about 1 year ago
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If you’re applying for a People’s Choice Credit Card you should be:
You’ll also need to provide details of your income, assets and liabilities. For more on applying for a credit card, check out our handy guide.
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