Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union Visa Credit Card

Purchase rate
2.99% p.a. for 6 months then 15.75% p.a.
Balance transfer rate
2.99% p.a. for 6 months and then 15.75% p.a.
Annual fees
$59
Interest free days on purchases
62

Mozo editorial review People's Choice Credit Union Visa Credit Card

Last updated: 7 November 2019.

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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. 

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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.

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Who is it 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.

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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 7 June 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?

Overall customer rating
7.8/10
Price
7.5/10
Features
6.7/10
Customer service
7.8/10
Convenience
7.9/10
Trust
8.1/10

Latest reviews of People's Choice Credit Union Visa Credit Card

  • Overall 9/10
    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 review

    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.

    Price
    7/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Greg, South Australia reviewed 4 months ago
  • Overall 10/10
    Professional.

    Does what it needs to. I'm happy with the product.

    Read full review

    Does what it needs to. I'm happy with the product.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Peter, South Australia reviewed 6 months ago
  • Overall 9/10
    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 review

    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.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Jean, South Australia reviewed 6 months ago
  • Overall 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.

    Read 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 over 1 year ago
  • Overall 10/10
    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 review

    They have a habit of closing down outlying banks with no thought of the members. This leaves customers with a lack of accessible services.

    Price
    3/10
    Features
    3/10
    Customer service
    4/10
    Convenience
    4/10
    Trust
    4/10
    Less
    Betty, South Australia reviewed over 1 year ago
People's Choice Credit Union

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.

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