People First Bank Visa Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free61
- Balance transfer55
- Low rate65
Customer reviews
Based on 5 reviews
Reviewers were split on fees and customer service.
Not really comfortable using it
Use it online and it is supposed to make life easier. I’m not sure this is true because you’re hit with fees and there is always the chance other people maybe able to access your account. I only have a card because this is the way it is now.
Ease to use and secure
This card is easy to use as it has a payWave option and a security chip to protect fraudulent use. The People’s Choice Credit Union alerts you to any unauthorised use, and then blocks the transaction from processing, along with cancelling the card to prohibit any further use…
Not too bad
Very cheap and easy to maintain and fees are low. Their customer service is outstanding and they link it to my personal banking account for easy use. It can be used at any ATM with no charge other than the odd $2.50 charge.I’ve never had issues with them ever and would highly…
Very happy with my card
Great card and service, staff are all knowledgeable and friendly. Opening hours include Saturday morning. Online banking is easy and user friendly. Phone banking is a little more difficult to get through, but the staff are really helpful at every stage.I cannot praise the staff…
I saved alot of money with this card
This was my childhood bank and now I’ve got what I dreamed of. My mother has the same branch as I have. She was a member ever since she opened an account when she first started work at school. I loved the bright red card when I first saw it and I wanted the same as hers.
Pros & cons
What's good
- The 12.95% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- Up to 62 interest-free days on purchases, longer than most cards.
- 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
- $1,000 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 12.95% p.a.
- Purchases
- 12.95% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $59 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $0
Repayments
- Interest-free period
- Up to 62 days on purchases
- Minimum repayment
- 3% of the closing balance or $10, whichever is greater
Balance transfers
- Can't transfer from
- Heritage Bank, People First Bank
- Limit
- Up to your available credit limit
- Period
- 6 months
- Promotional rate
- 2.99% p.a.
- Revert rate
- 12.95% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
- Intro purchase period
- 6 months
- Intro purchase rate
- 2.99% p.a.
- Reverts to
- 12.95% p.a.
The intro rate applies to new purchases for the period shown, then reverts to the standard purchase rate.
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.
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- People First Bank