Choose the version of this credit card that suits you best
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Visa Credit Card - low rate | n/a |
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Visa Credit Card | n/a |
On the hunt for a budget-friendly credit card? The People’s Choice 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% p.a. 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.
The People’s Choice Visa Credit Card could be a great option for spenders 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% p.a. - although this is still relatively low as far as credit card goes. You'll also need to budget for a $59 annual fee, which is waived if you have an active People’s Choice Home Loan Package, or use its One to One or Financial Planning services, or under 25 years old.
What’s more, the People’s Choice 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 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.
The People’s Choice Visa Credit Card could be 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.
With a foreign exchange margin of 3.00%, you should probably think twice before using your People’s Choice Visa Credit Card to pay for products when overseas or shopping online.
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12.95% p.a. |
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2.99% p.a. for 6 months |
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2.99% p.a. for 6 months and then 12.95% p.a. |
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no |
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12.95% p.a. |
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62 |
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$59.00 |
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none |
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none |
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none |
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$25.00 |
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$5.00 |
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3.00% |
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$10.00 |
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$30.00 |
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none |
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$10.00 |
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3.0 |
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no |
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none |
Apple Pay, Google Wallet, Samsung Pay
Ability to link a credit card account to a payID for Fast Payments and Access to Visa Entertainment
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15.75% p.a. |
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2.99% p.a. for 6 months |
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2.99% p.a. for 6 months and then 15.75% p.a. |
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no |
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15.75% p.a. |
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62 |
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$59.00 |
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none |
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none |
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none |
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$25.00 |
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$5.00 |
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3.00% |
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$10.00 |
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$30.00 |
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none |
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$10.00 |
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3.0 |
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no |
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none |
Apple Pay, Google Wallet, Samsung Pay
Ability to link a credit card account to a payID for Fast Payments and Access to Visa Entertainment
Peoples Choice Fraud squad have been looking out for me in the past due tovmy Visa card being compromised. Now l only have a debit card.
Read full reviewPeoples Choice Fraud squad have been looking out for me in the past due tovmy Visa card being compromised. Now l only have a debit card.
Amazing credit card
Read full reviewThis bank seems to genuinely care about its customers and every time I've visited the branch the employees always try their best to help. No matter what the problem is, it's never my problem, it's our problem and we work it out together. The only con is that there aren't many ATMs or branches around, so it can be inconvenient to get cash out or deposit cash.
Read full reviewThis bank seems to genuinely care about its customers and every time I've visited the branch the employees always try their best to help. No matter what the problem is, it's never my problem, it's our problem and we work it out together. The only con is that there aren't many ATMs or branches around, so it can be inconvenient to get cash out or deposit cash.
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.
Does what it needs to. I'm happy with the product.
Read full reviewDoes what it needs to. I'm happy with the product.
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60,000
1.25 points up to 100,000 points/year, then
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Platinum Visa Credit Card
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$299
50,000
1 point up to 20,000 points/month
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70,000
0.66 points up to $3,000/month, then
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20,000
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NAB Rewards
$295 $145 in the first year
160,000
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Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
n0w Credit Card
n/a
No current offer
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
Platinum Mastercard
0% p.a. for 3 months then 25.80% p.a.
No current offer
$99
