Newcastle Permanent Value+ Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free60
- Balance transfer39
- First timer76
- Low rate68
Customer reviews
Based on 1 review
My card, my lifesaver
Finding permanent work was very difficult, resulting in me taking a lot of casual work. As a result my cashflow was not always regular and providing my son with quality meals consistently would have proven difficult without the use of this card. Few institutions would help due…
Pros & cons
What's good
- The 11.99% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $500 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Membership
- Not yet verified
- Minimum age
- 18 years old
- Minimum income
- $20,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 11.99% p.a.
- Purchases
- 11.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $49 p.a.
- Cash advance fee
- 2% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $5
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
- Limit
- Up to your available credit limit
- Period
- 0 months
- Promotional rate
- 11.99% p.a.
- Revert rate
- 0.00% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- Newcastle Permanent Value+ Credit CardvsBank of us Visa Credit Card
- Newcastle Permanent Value+ Credit CardvsBankSA Vertigo
Browse by card type
Compare the Newcastle Permanent Value+ Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Newcastle Permanent