People's Choice Credit Union credit cards

People's Choice Credit Union
People's Choice Credit Union's overall rating for credit cards

(as rated by the Mozo community)

7.7 / 10

based on 130 reviews

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 22 November, 2018. Other information correct at the time of writing.

What credit cards do People's Choice Credit Union offer?

Low fee credit cards Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days

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


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**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 People's Choice Credit Union credit cards

What is the interest free period on my People’s Choice Credit Union credit card?

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!

What fees might I be charged?

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.

What’s the minimum repayment amount I must make?

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.

What rewards will I earn with my People’s Choice Credit Union credit card?

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.

Can I use my People’s Choice Credit Union credit card for a balance transfer?

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!

Will my People’s Choice Credit Union credit card work overseas?

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.

Can I use payWave with my People’s Choice Credit Union credit card?

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.

How does Verified by Visa protect me from credit card fraud?

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

How are People's Choice Credit Union credit cards rated?

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.

People's Choice Credit Union credit cards

Overall 7.7

Price

Features

Customer service

Convenience

Trust

129 Reviews

Recent People's Choice Credit Union credit card reviews Recent People's Choice Credit Union credit card reviews

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card credit card review

Overall rating   10 / 10

Would not change to another institute

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.

Full review

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.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ray, Victoria, reviewed 15 days ago

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card credit card review

Overall rating   10 / 10

Reasonable

They have a habit of closing down outlying banks with NO THOUGHT OF THE MEMBERS. Leaving customers in lack of services.

Full review

They have a habit of closing down outlying banks with NO THOUGHT OF THE MEMBERS. Leaving customers in lack of services.

    Price   3 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Betty, South Australia, reviewed 15 days ago

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card credit card review

Overall rating   9 / 10

Very competitive loan rates and helpful staff

I’ve been with this credit union for around forty years. They’ve always been helpful and trustworthy.

Full review

I’ve been with this credit union for around forty years. They’ve always been helpful and trustworthy.

    Price   5 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

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John, South Australia, reviewed about 1 month ago

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card credit card review

Overall rating   5 / 10

Customer service is excellent, but would like more

I think it is terrible to have an annual fee on a credit card. They already make money on the card via charges to traders and interest on the customers.

Full review

I think it is terrible to have an annual fee on a credit card. They already make money on the card via charges to traders and interest on the customers.

    Price   3 / 10

    Features   2 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Carmela, South Australia, reviewed over 2 years ago

People's Choice Credit Union

People's Choice Credit Union Visa Credit Card credit card review

Overall rating   9 / 10

Terrific rewards program that is simple to use

As long as I pay off in time I have no added charges which is great, plus a fantastic rewards program that is really easy to use

Full review

As long as I pay off in time I have no added charges which is great, plus a fantastic rewards program that is really easy to use

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Teena, Northern Territory, reviewed almost 3 years ago

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What do you need to apply for a People's Choice Credit Union credit card? What do you need to apply for a People's Choice Credit Union credit card?

If you’re applying for a People’s Choice Credit Card you should be:

  • 18 or over
  • An Australian citizen or permanent resident
  • Willing to have a credit check done
  • Currently employed

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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