People's Choice Low Rate Visa Credit Card

People's Choice Low Rate Visa Credit Card


  • 2.99% p.a. for 6 months on balance transfers.
  • 2.99% p.a. for 6 months on purchases.
  • Up to 62 days interest-free days on purchases.

Pros and cons


  • 2.99% p.a. for 6 months on balance transfers, purchases and cash advances (reverts to 12.95% p.a. thereafter).
  • 62 days interest-free days on purchases, which is among the longest.
  • Supports Apple Pay, Google Pay, and Samsung Pay.


  • No rewards program or travel benefits.
  • Relatively high annual fee for a low rate credit card (but this may be waived if eligible).

Our review


Customer service

Rates and fees



The basics

  • Additional cardholders. Unfortunately, this card does not support additional cardholders.
  • Digital wallets. You can add this card to your phone with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. People's Choice Credit Union have blocked all gambling-related purchases with their Low Rate Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. This feature is not available.
  • Concierge services. The People's Choice Low Rate Visa Credit Card does not come with a concierge service.
  • Insurances. This card provides fraud protection, but does not come with extended warranty insurance, price protection insurance, purchase protection insurance or transport accident insurance.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. There is no sign up bonus for new customers.

Rates and fees

  • Annual fee. The annual fee for this card is $59 p.a. This will be waived for those with an active account, are under 25 years of age, and have an active Home Loan or have a One to One relationship or Financial Planning relationship with People's Choice.
  • Balance transfers. Transfer debt from non-People's Choice CU credit and store cards for 6 months at 2.99% p.a., reverting to 12.95% p.a.
  • Cash advances. Cash advances with this card are subject to an interest rate of 12.95% p.a., which will begin accruing immediately. There is a one-off fee in addition to the interest rate charged.
  • Foreign exchange fee. Any purchases made online or while overseas in a foreign currency will incur a 2.5% fee.
  • Interest-free period. This card offers up to 62 days interest-free on purchases (except cash advances) when you pay your previous balance in full or make the minimum required payment. This is one of the longest interest-free periods available.
  • Purchases. Enjoy 6 months at the introductory rate of 2.99% p.a. on purchases, reverting to 12.95% p.a. after the introductory offer expires.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees



I saved alot of money with this card

Reviewed by Cynthia

This was my childhood bank and now I’ve got what I dreamed of. My mother has the same branch as I have. She was a member ever since she opened an account when she first started work at school. I loved the bright red card when I first saw it and I wanted the same as hers.

Very happy with my card

Reviewed by Gail

Great card and service, staff are all knowledgeable and friendly. Opening hours include Saturday morning. Online banking is easy and user friendly. Phone banking is a little more difficult to get through, but the staff are really helpful at every stage.

I cannot praise the staff enough, plus it puts people first.

Not too bad

Reviewed by Wesley

Very cheap and easy to maintain and fees are low. Their customer service is outstanding and they link it to my personal banking account for easy use. It can be used at any ATM with no charge other than the odd $2.50 charge.

I’ve never had issues with them ever and would highly recommend them to anybody.


Ease to use and secure

Reviewed by Donna

This card is easy to use as it has a payWave option and a security chip to protect fraudulent use. The People’s Choice Credit Union alerts you to any unauthorised use, and then blocks the transaction from processing, along with cancelling the card to prohibit any further use from occurring.

Not really comfortable using it

Reviewed by Debbie

It’s just a tool used to access your money. Use it online and it is supposed to make life easier. I’m not sure this is true because you’re hit with fees and there is always the chance other people maybe able to access your account. I only have a card because this is the way it is now.

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