Police Credit Union Extralite Credit Card
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CardIQ
Strong
Overall score, out of 100 · How this works
- First timer76
- Low rate72
- No annual fee66
Customer reviews
Based on 1 review
Very pleased with this card
Rates are competitive with other banks. Customer service are brilliant if there’s ever any trouble, and inform you immediately if there is some discrepancy with this account. I have had this card for awhile and find it the best for our home.
Pros & cons
What's good
- The 14.24% p.a. purchase rate is below the 18.99% p.a. market median.
- No annual fee.
- No fee to add an additional cardholder.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
- Up to 44 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $10,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Membership
- Open to all applicants
- 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
- 14.24% p.a.
- Purchases
- 14.24% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- —
- Foreign transaction fee
- 3%
- Late payment fee
- $15
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 3% of the closing balance or $20, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
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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- Police Credit Union Extralite Credit CardvsANZ Low Rate - Credit Back Offer
- Police Credit Union Extralite Credit CardvsANZ Platinum Credit Card
- Police Credit Union Extralite Credit CardvsAustralian Military Bank Low Rate Visa Credit Card
- Police Credit Union Extralite Credit CardvsAustralian Mutual Bank Credit Card
- Police Credit Union Extralite Credit CardvsBank Australia Low Rate Visa Credit Card
- Police Credit Union Extralite Credit CardvsBank Australia Visa Credit Card
- Police Credit Union Extralite Credit CardvsBank First Visa Classic Credit Card
- Police Credit Union Extralite Credit CardvsBank First Visa Platinum Credit Card
- Police Credit Union Extralite Credit CardvsBank of Melbourne Vertigo Card
Browse by card type
Compare the Police Credit Union Extralite 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
- Police Credit Union