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You can apply online, by calling 13 11 82 or by visiting your nearest branch.
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    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.
    Visa credit card
    Apply online
    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
    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.
    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.
    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

    • Accessible Features

      High contrast visibility strip, braille “P” and tactile (2 dots) identifier, notches and easy to read card information.

    • 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

    Need some help? We've got you covered. 

    Get in touch with us and we can help you get the answers you need.

    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. 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 here, visit your local branch or contact us on 13 11 82.