Key benefits

$0 application fee
Up to 62 days interest free
Six month low introduction rate

Rates

Check out our latest rates for credit cards and personal overdrafts.
Introductory interest rate
A starting interest rate (usually lower) for a limited period of time.
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
Classic Visa credit card
This card is no longer available to new business.
Introductory interest rate
A starting interest rate (usually lower) for a limited period of time.
% p.a.
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Visa credit card - low rate
Introductory interest rate
A starting interest rate (usually lower) for a limited period of time.
% p.a.
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Visa credit card - standard rate
Introductory interest rate
A starting interest rate (usually lower) for a limited period of time.
% p.a.
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.
Personal overdraft
Introductory interest rate
A starting interest rate (usually lower) for a limited period of time.
% p.a.
Interest rate
An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
% p.a.

Product overview

  • A low introductory rate of 2.99% p.a. for the first six months

    Available across all balance transfers, cash advances and purchases

  • Interest free period on purchases

    Up to 62 days 
  • Worldwide acceptance

    Use your card overseas

  • Quick assessment process

    Apply online, by calling 13 11 82 or by visiting your local branch

  • No application fees

    No fee to apply

  • Easy balance transfer process

    Transfer balance easily

  • The latest in security measures

    Microchips, payWave, a free fraud protection service and Verified by Visa for online purchases
  • Competitive interest rates

    And interest free period

  • Mobile wallet payments

    Supported in Apple Pay, Samsung Pay and Google Pay

Fees

Ongoing fees
Annual Visa credit card fee

$59 per account

- Charged within a month of the account opening and then annually on the anniversary of the account opening month.
- This fee is waived if you have an Activate Account and are under 25 years of age, an active Home Loan, a One to One relationship or Financial Planning relationship with us.

Disclosure documents
Fees and charges brochureClick here to download

Related articles

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Exclusive perks

Exclusive to Visa cardholders is the new digital wallet service, Visa Checkout – a secure and flexible way to conveniently pay online. Additionally, Visa cardholders get access to a range of exclusive perks and offers, including pre-sale tickets for some of the biggest concerts and live events.$(Visa Entertainment) Sign up for Visa Offers + Perks

Important information

It's important for you to look at our Credit Guide if you're thinking about applying for a card to understand how we can help you.

Produce and print a Key Facts Sheet for this credit card, or call 13 11 82 or visit your nearest branch to find out more and apply.

A number of regulatory reforms have recently been introduced, click here to view a FAQ on how these reforms may affect you and what People’s Choice has done to address them.

You can use this website to request a reduction in your credit limit to an amount that equals or exceeds the minimum credit limit for your credit card or overdraft or to request to terminate your credit card or overdraft contract.  To do this, please click here to lodge a SecureMail request via Internet Banking. Alternatively, enter the information and follow the instructions on the web form request via this website by clicking herevisit your local branch or contact us on 13 11 82.