People First Bank
Visa Credit Card
People First Bank · cred and chrg cards
Provider last updated this product 2026-05-04.
The People's Choice Credit Union Visa Credit card offers you the flexibility of more interest free days than most other cards. You can use it for anything from day to day purchases to paying bills or even withdrawing cash.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| INTRODUCTORY | 2.99% | - | OTHER | OTHER | 6 months | - | calculated daily, paid monthly |
| A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases | |||||||
| PURCHASE | 12.95% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| The applicable variable interest rate will be determined by the information you provide and the assessment of your application. The interest rate will be confirmed in your loan contract. | |||||||
| CASH ADVANCE | 12.95% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| The applicable variable interest rate will be determined by the information you provide and the assessment of your application. The interest rate will be confirmed in your loan contract. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Final Demand | EVENT | $15 | Charged when demand is issued to request payment where no credit limit exists. |
| Credit Card Monthly Transfer Rejection | EVENT | $5 | Applies when you have a scheduled monthly balance sweep set up and there are insufficient funds in your account to process a payment. |
| Over limit Administration Fee 1 | EVENT | $25 | Payable if you exceed your approved credit limit and you fail to pay an amount sufficient to return the balance of the account to less than or equal to the approved credit limit within 7 days of us notifying you that your account is over its limit. |
| Arrears Administration Fee 1 | EVENT | $25 | Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us notifying you that your account is in arrears. |
| Over limit Administration Fee 2 | EVENT | $25 | Payable if you exceed your approved credit limit and your account balance remains over the approved limit for a period of 20 days or more. |
| Arrears Administration Fee 2 | EVENT | $25 | Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more. |
| Visa Cash Advance- Australia and Overseas | EVENT | $5 | Visa Cash Advances are withdrawals using your visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs or Australia Post (using the credit account selection or accessing a Credit Card account). |
| Conversion Fee | EVENT | 3.00% | Applies when a transaction is performed overseas using a Visa Card. Charged at the time of transaction. |
| Annual Visa Credit Card Fee | TRANSACTION | $59 | Charged within a month of the account opening and then annually on the anniversary of the account opening month. |
| Balance Transfer (via Corporate Cheque) | EVENT | $10 | - |
| Balance Transfer (via external transfer) | EVENT | $1.50 | - |
| ATM Withdrawal | WITHDRAWAL | $5 | Cash Advance fee |
| Visa - Replacement Card Fee | EVENT | $10 | Applies when a lost or damaged Card is replaced (no fee is payable if Card is stolen). Fee is charged when the Card is ordered. |
| Visa - Conversion Fee | EVENT | 3.00% | Applies when a transaction is performed overseas using a Visa Card. Charged at the time of the transaction. |
| Visa Cash Advance – Australia and Overseas | EVENT | $5 | Visa Cash Advances are withdrawals using your Visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs* or Australia Post using the ‘CR’ account selection or accessing a Credit Card Account. |
| Emergency Visa Card Replacement Overseas | EVENT | $300 | Applies when you request an urgent replacement Card to be issued while overseas (for any reason including theft) |
| Emergency Visa Cash Advance Overseas | EVENT | $300 | Applies when you request an emergency cash advance without your Visa Card |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 2.99% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases.
- Visa Credit Card gives you the convenience to make purchases, pay bills or get cash worldwide
- Quick assessment process
- No application fees
- Competitive interest rates
Who can apply
- min age - 1818 years and over
- otherTerms, conditions, fees, charges and lending criteria apply and are available on application
- residency status - Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status.
- natural person - Personal Members Only
Limits
- min limit - 1000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-05-04T14:36:10.727Z · Product ID: ef54bfdb-5db3-4ce7-b678-25492785377a