Newcastle Permanent
Value Plus Credit Card
Newcastle Permanent · cred and chrg cards
Provider last updated this product 2026-08-25.
Go to provider
You'll complete your application on
Newcastle Permanent's website. Confirm the rate and fees with them
before applying.
A personal credit card with up to 55 days interest free on purchases, a low annual fee and competitive interest rate.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| BALANCE TRANSFER | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| CASH ADVANCE | 11.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Credit Card Replacement Fee Overseas | REPLACEMENT | $100 | Applies for each replacement card you or an additional cardholder requests overseas |
| Credit Card Replacement Fee within Australia | REPLACEMENT | $20 | Applies for each replacement card you or an additional cardholder requests within Australia |
| Replacement Statement Fee | REPLACEMENT | $10 | Payable on reissue of a statement |
| Annual Fee | PERIODIC | $49 | Payable in advance on your first transaction and then on each anniversary date thereafter. |
| Foreign Currency Conversion Fee | PURCHASE | 3.00% | Applies when a card is used to perform a transaction overseas or where a merchant processes the payment overseas. |
| Direct Debit Dishonour Fee | DISHONOUR | $9 | A direct debit may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly completed or because the credit card account has been closed. |
| Cash Advance Fee | CASH_ADVANCE | 2.00% | Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. Minimum of $2.50. |
| Late Payment Fee | LATE_PAYMENT | $5 | Payable for each statement period that the minimum payment amount is not processed to your credit card account |
| Payment Dishonour Fee | DISHONOUR | $9 | A payment may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly completed or because the credit card account has been closed |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 11.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min income - 20000.00
- min age - 18Minimum additional cardholder age is 16 years.
- residency status - Available to permanent Australian Residents
- natural person
- employment status - Fulltime, Part time, Casual, Contract, Self Employed
Limits
- min limit - 500.00
- max balance - 20000.00
- max limit - 20000.00
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: 2026-08-25T00:00:00+10:00 · Product ID: CC_valuepluscc