Police Credit Union Extralite Credit Card

The basics

• Additional cardholders. You can add one additional cardholder to your account for a fee of $10 in the initial year. The main cardholder is responsible for managing the account and making timely repayments.
• Digital wallets. This card can be added to all major digital wallets, including Apple Pay, Google Pay, or Samsung Pay.
• Gambling transactions. Gambling transactions will not be allowed.

Rewards and benefits

• Complimentary travel insurance. The Police Credit Union Extralite Credit Card does not provide complimentary international travel insurance.
• Concierge services. There is no concierge service available.
• Insurances. This card comes with fraud protection, but you won't get any of the complimentary insurances available with some other cards.
• Rewards points. This credit card does not have a rewards program, which is typical of a cheap credit card like this.
• Sign up bonus. Police Credit Union do not offer any sign up bonus for new customers, just low ongoing rates and fees.

Rates and fees

• Annual fee. This card does not have an annual fee. It doesn't get any cheaper than that.
• Balance transfers. This credit card does not offer an introductory interest-free balance transfer offer.
• Cash advances. Cash advances made using the Police Credit Union Extralite Credit Card will be charged interest at the rate of 13.99% p.a. Interest will begin to accrue from the transaction date. Police Credit Union will charge a one-off fee in addition to interest. This is one of the cheaper cash advance cards.
• Foreign exchange fee. All purchases made in a foreign currency — whether overseas or online — will incur a 3% foreign transaction fee.
• Interest-free period. Get up to 44 days of interest-free on purchases (except cash advances) if your balance is paid off in full or the minimum repayment has been made. This is a few days shorter than the typical period of interest-free days.
• Purchases. There is no introductory offer on purchases. The standard ongoing interest rate — currently 13.99% p.a. — will be applied to any purchases not paid off in full.