Important disclosure
People's Choice Visa Credit Card
Purchase Rate
Purchase Rate
2.99%
p.a
for up to 6 months, then 12.95%
Balance Transfer Rate
Balance Transfer Rate
2.99%
p.a
for up to 6 months, then 12.95%
Purchase Rate
2.99%
p.a
for up to 6 months, then 12.95%
Balance Transfer Rate
2.99%
p.a
for up to 6 months, then 12.95%
Annual Fee
$59
Promoted credit cards
Promoted
Gold Low Rate
Balance Transfer
0% on Balance Transfers for 12 monthsPurchase Rate
11.80%
p.a
Annual Fee
$0
Pros and cons
For Visa Credit Card
Benefits
- 2.99 p.a. on purchases for 6 months then 12.95 p.a.
- 2.99% p.a on balance transfers for 6 months and then 12.95% p.a.
- Lower than average ongoing variable purchase rate
- Apple Pay, Google Pay and Samsung Pay available
Drawbacks
- No reward program
- Does not offer free supplementary cards
People's Choice Rate Credit card overview
For Visa Credit Card
Details
Card Level Gold | Card Type Visa |
Interest Free Days Interest Free Days 62 | Minimum monthly repayment 3% or $10 |
Minimum credit limit $1k | Maximum credit limit $30k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit People's Choice to view Target Market Determination. |
Fees
Annual Fee Annual Fee $59 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $0 |
Over limit fee $0 | Duplicate statement fee $10 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 2.99% p.a for up to 6 months, then 12.95% |
Cash advance rate 2.99% for 6 months then 12.95% p.a |
Cash advance fee $5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 2.99% p.a for up to 6 months, then 12.95% |
Transfer Limit $30k max card limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age |
Minimum income |
Eligibility conditions |
Residency |
