People's Choice Credit Union Visa Credit Card
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
n/a
People's Choice Credit Union Visa Credit Card
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
n/a
People's Choice Credit Union Visa Credit Card
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
n/a
Mozo Review People's Choice Credit Union Visa Credit Card Review
Last updated: 7 November 2019.
What's hot:
2.99% purchase rate for 6 months (15.75% after that)
Up to 62 interest free days
No late payment fee
What's not:
$59 annual fee
Mozo snapshot:
On the hunt for a budget-friendly credit card? The People’s Choice Credit Union Visa Credit Card may be just what you’re after. The card comes with a very low 2.99% p.a. introductory purchase rate (15.75% afterwards) and up to 62 interest free days on purchases. And with a $0 late payment fee, you won’t ever have to worry about missing the occasional monthly repayment.
Key features:
The People’s Choice Credit Union Visa Credit Card is for users who want the convenience of the plastic without the high price tag. The card has a very low purchase rate of 2.99% p.a. for the first 6 months, and gives you up to 62 interest free days on purchases before you have to pay any interest. But keep in mind the purchase rate soars to 15.75% p.a. after the initial 6 months and the cash advance rate is also higher at 15.75% - although this is still relatively low as far as credit card goes. You will also need to budget for a $59 annual fee, which is waived if you have an active People’s Choice Credit Union Home Loan Package, or use its One to One or Financial Planning services.
What’s more, the People’s Choice Credit Union Visa Credit Card offers the benefit of no late payment fee, which means you can have peace of mind that you won’t be hit with massive fees if you miss a monthly payment or two.
With a low introductory balance transfer rate of 2.99% p.a., the People’s Choice Credit Union Visa Credit Card can temporarily accommodate those hoping to pay off credit card debt. But be wary that after six months, any balance leftover will start to attract interest at the regular 15.75% p.a. and could leave a huge hole in your pocket. So if you’re keen to pay off a big balance, a balance transfer card with a lengthy 0% interest free period might be a better bet.
Who it's good for:
The People’s Choice Credit Union Visa Credit Card is a great option for spenders looking for a credit card that won’t cost them an arm and a leg. Having 62 interest free days on purchases instead of the typical 44 or 55 days also means this one’s a good pick if you think you might need a little extra time to clear your bill each month.
Any catches?
With a foreign exchange margin of 3.00%, you should probably think twice before using your People’s Choice Credit Union Visa Credit Card to pay for products when overseas or shopping online.
Details
Rates and fees information correct as at 24 February 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
15.75% p.a.
-
2.99% p.a. for 6 months
-
2.99% p.a. for 6 months and then 15.75% p.a.
-
no
-
15.75% p.a.
-
62
Fees
-
$59.00
-
none
-
none
-
none
-
$25.00
-
$5.00
-
3.00%
-
$10.00
-
$30.00
-
none
Features
-
$10.00
-
3.0
-
no
-
none
Payment options
Apple Pay, Google Pay, Samsung Pay
Customer Reviews
How are People's Choice Credit Union credit cards rated by the Mozo community?
Latest reviews of People's Choice Credit Union Visa Credit Card
-
Great online and still good walk-in facilities.
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.
Read full reviewInnovative 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.
Price7/10Features8/10Customer service10/10Convenience10/10LessTrust10/10 -
Professional.
Does what it needs to. I'm happy with the product.
Read full reviewDoes what it needs to. I'm happy with the product.
Price10/10Features10/10Customer service10/10Convenience-1/10LessTrust10/10 -
Friendly, competent and efficient.
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.
Read full reviewI 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.
Price9/10Features8/10Customer service10/10Convenience10/10LessTrust9/10 -
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.
Read full reviewAlways 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.
Price10/10Features10/10Customer service10/10Convenience10/10LessTrust10/10 -
Reasonable
They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.
Read full reviewThey have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.
Price3/10Features3/10Customer service4/10Convenience4/10LessTrust4/10
About People's Choice Credit Union
People's Choice Credit Union is a member owned financial institution offering its members a wide range of competitive banking, insurance and investment products and services. Formed through the merger of Savings & Loans and Australian Central, Peoples Choice Credit Union has more than 350,000 members Australia wide. At Peoples Choice Credit Union, its customers are its owners so everything they do is designed to benefit their members.
Promoted
CUA
Low Rate Credit Card
0% p.a. for 18 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Qantas Ultimate Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$450
Promoted
CUA
Platinum Credit Card
0% p.a. for 18 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
12.99% p.a.
$99 $49 in the first year
Promoted
American Express
Velocity Platinum Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$375
Promoted
NAB
Low Rate Card
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
0% p.a. for 6 months then 13.99% p.a.
$59
Promoted
American Express
Qantas Ultimate Card
1.25 points per dollar on Amex, uncapped
20.74% p.a.
$450
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129
Promoted
American Express
Velocity Platinum Card
1.25 points per dollar on Amex, uncapped
20.74% p.a.
$375
Promoted
Heritage Bank
Platinum
0.002 points per dollar on Visa, uncapped
17.49% p.a.
$125 $0 when you spend over $35,000 p.a
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Velocity Escape Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
NAB
Qantas Rewards Signature Card
1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month
19.99% p.a.
$395 $295 in the first year
Promoted
American Express
Qantas Discovery Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months and then 20.99% p.a.
$129
20.74% p.a.
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$99 $49 in the first year
12.99% p.a.
Promoted
American Express
Qantas Discovery Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
0% p.a. for 14 months then 20.74% p.a.
Promoted
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
$0
17.99% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
0% p.a. for 6 months and then 20.99% p.a.
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
$59
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
$49 $0 in the first year
0% p.a. for 18 months and then 21.74% p.a.
Promoted
Bankwest
Breeze Mastercard
12.99% p.a.
$79 $39 in the first year
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
