People’s Choice Credit Union Credit Cards

People’s Choice Credit Union is a provider of credit cards, home loans, personal loans, savings and transaction accounts, life insurance, home insurance, car insurance, and travel insurance.
People's Choice CU

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If you’re considering a People’s Choice Credit Union credit card, check out what’s available in our comparison table below, based on a monthly spend of $2,000.

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Types of People’s Choice Credit Union credit cards

People’s Choice Credit Union has one credit card to choose from at the time of writing: the People’s Choice Credit Union Visa Credit Card.

Learn about the different types of credit cards here.

People’s Choice Credit Union Visa Credit Card


  • Card type: Visa
  • Interest-free days: Up to 62 days
  • Minimum credit limit: $1,000
  • Contactless: Contactless payments enabled via Visa payWave
  • Digital wallets: Card is enabled for Android Pay and Apple Pay digital wallets
  • Rewards: Access to Visa Entertainment, including pre-sale tickets for concerts and shows

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Eligibility to apply for People’s Choice Credit Union credit cards

To apply for the People’s Choice Credit Union credit card, you must be able to satisfy the following criteria:

  • Australian permanent resident
  • Over 18 years of age
  • In paid employment
  • Not have been bankrupt or had any judgements in the last 5 years
  • Agree to a credit check

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How to apply for a People’s Choice Credit Union credit card

If you satisfy all of the above criteria, then you can apply for a People’s Choice Credit Union credit card after comparing credit cards on the Canstar website. You can apply online, by visiting a local branch, or by calling People’s Choice on 13 11 82.

You will need the usual documentation to apply for a credit card, including:

  1. Your Australian driver’s licence details or your passport details
  2. Your employment details
  3. Your annual income
  4. Your usual living expenses
  5. Details about assets you own such as a home, car, other belongings, or savings
  6. Any debts you currently owe on other credit cards, loans, or overdrafts

Read our checklist on applying for a credit card for a more detailed explanation of how the process works.

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People's Choice Credit Union FAQs

If your application is approved, you’ll need to activate your People’s Choice Credit Union credit card before you can use it. You can activate your card using online banking, or by calling People’s Choice on 13 11 82. You can also visit one of their branches.

You can manage your People’s Choice Credit Union credit card through online banking or by using the mobile banking app. By using the People’s Choice Credit Union online banking service, you can activate your card, view your recent transaction history, view your balance, and more, all from the convenience of your computer of smartphone.

When interest is charged

On a People’s Choice credit card, interest is calculated daily whenever you carry a balance on your card, and this interest is charged monthly on the last calendar day.

When interest is not charged

Up to 62 interest-free days apply with a People’s Choice credit card. To qualify for these interest-free days, you must pay off the current and previous month’s statement by 5pm on the last calendar day of the month. For more information about interest-free days,?check out our article on how they work.

Your credit limit for a People’s Choice Credit Union credit card will be determined based on the information you provide in your application, above the minimum credit limit (see above). Find out more about how credit limits are determined here.

You can ask People’s Choice to increase your credit limit at any time, and they may approve or reject this request based on their lending criteria. You can submit the request by the website direct mail service or by calling 13 11 82.

You can close your People’s Choice Credit Union credit card account at any time by sending a written request to your nearest branch. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling because you are dissatisfied with your current card, then you might want to consider checking out what other credit cards are on the market by comparing with the Canstar website:

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About People’s Choice Credit Union

People’s Choice Credit Union prides itself on being one of Australia’s largest credit unions, boasting 353,000 members across SA, NT, Victoria, WA, and the ACT.

Initially founded in 1949, it took on the name of People’s Choice Credit Union through a merger between Australian Central and Savings & Loans in December 2009, People’s Choice now employs over 1,100 people.

People’s Choice has partnered with a number of non-profit organisations in order to benefit the wider community, including:

  • Cancer Council SA
  • The Big Issue
  • Life Without Barriers
  • Riding for the Disabled
  • HeartKids

Source: People’s Choice Credit Union

Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

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People's Choice Visa Credit Card

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Award: Outstanding Value Credit Cards

Written by: Regina Collins | Last updated: