Visa Credit Card - low rate card image

People's Choice Visa Credit Card

Advertiser disclosure
The details shown below are for a card without rewards
The details shown below are for a card without rewards

Choose the version of this credit card that suits you best

Name Rewards program
Visa Credit Card - low rate n/a
Visa Credit Card n/a
  • Visa Credit Card - low rate
    Rewards: n/a
  • Visa Credit Card
    Rewards: n/a
Purchase rate
2.99% p.a. for 6 months then 12.95% p.a.
Balance transfer rate
2.99% p.a. for 6 months and then 12.95% p.a.
Annual fees
$59 No annual fee if you hold an active home loan account, a One to One relationship or hold an existing Activate Account or existing Financial Planning relationship.
Interest free days on purchases
62
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 No annual fee if you hold an active home loan account, a One to One relationship or hold an existing Activate Account or existing Financial Planning relationship.
Interest free days on purchases
62

Mozo editorial review People's Choice Visa Credit Card - last updated: 8 April 2022

binocular icon
What's hot
  • 2.99% p.a. purchase rate for 6 months (15.75% p.a. 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 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. 

key icon
Key features

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.

snapshot
Who is it good for

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.

question icon
Any catches

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.

Details

Rates and fees information correct as at 25 June 2024 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

12.95% p.a.

2.99% p.a. for 6 months

2.99% p.a. for 6 months and then 12.95% p.a.

no

12.95% 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 Wallet, Samsung Pay

Other benefits

Ability to link a credit card account to a payID for Fast Payments and Access to Visa Entertainment

Details

Rates and fees information correct as at 25 June 2024 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 Wallet, Samsung Pay

Other benefits

Ability to link a credit card account to a payID for Fast Payments and Access to Visa Entertainment

Customer Reviews

How are People's Choice credit cards rated by the Mozo community?

Overall
8.0/10
Price
7.4/10
Features
6.6/10
Customer service
7.8/10
Convenience
7.9/10
Trust
8.0/10
Based on 139 People's Choice credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of People's Choice Visa Credit Card

About People's Choice

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23.99% p.a.

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Membership Rewards

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Velocity Platinum Card

23.99% p.a.

No current offer

$375

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Qantas Discovery Card

23.99% p.a.

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10.99% p.a.

No current offer

$0

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Qantas Ultimate Card

Qantas Frequent Flyer

$450

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1.25 points up to 100,000 points/year, then
1 point uncapped

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Platinum Visa Credit Card

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$299

30,000

1 point up to 20,000 points/month

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Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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Qantas Premium Card

Qantas Frequent Flyer

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20,000

1 point uncapped

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Rewards Signature Card

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$295 $145 in the first year

160,000

1.25 points uncapped

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0.75 points uncapped

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Velocity Escape Card

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0.75 points uncapped

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Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
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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

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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

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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.

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Q Rewards

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$149 $0 in the first year

Velocity Frequent Flyer

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More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

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0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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Low Rate Credit Card

10.99% p.a.

No current offer

$0

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12.99% p.a.

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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No current offer

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0% p.a. for 6 months and then 8.99% p.a.

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Bank of Queensland

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

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No current offer

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n/a

No current offer

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n/a

No current offer

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