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.
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.
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
$59.00
none
none
none
$25.00
$5.00
3.00%
$10.00
$30.00
none
$10.00
3.0
no
none
Apple Pay, Google Pay, Samsung Pay
This 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.
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.
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.
People's Choice 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, People's Choice has more than 350,000 members Australia wide. At People's Choice, its customers are its owners so everything they do is designed to benefit their members.
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
HSBC
Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
Rewards Plus
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
65,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Zero Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
American Express
Qantas Ultimate Card
No current offer
20.74% p.a.
$450
Qantas Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bankwest
Zero Platinum Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bankwest
Zero Mastercard
14.99% p.a.
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
$0
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$69 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
