- 2.99% p.a. on purchases, cash advances and balance transfers for six months
- 12.95% p.a. ongoing variable interest rate for new accounts
- Up to 62 days interest free on purchases
- Eligible with Apple Pay, Samsung Pay and Google Pay
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People First Bank Credit Cards (formerly People’s Choice)
People First Bank Visa Credit Card
Updated 19 October 2026
The People First Bank Visa Credit Card, formerly offered under the People’s Choice name, has an introductory rate of 2.99% p.a. on purchases, cash advances and balance transfers for the first six months, followed by a variable rate of 12.95% p.a. It has a $59 annual fee and offers up to 62 days interest-free on eligible purchases when repayment conditions are met.
Purchase Rate (p.a)
2.99% p.a.
for 6 months. Reverts to 12.95% p.a.
Balance Transfer (p.a)
2.99% for 6 months
No balance transfer fee.
Reverts to 12.95% p.a.
Annual Fee (p.a)
$59
Pros and cons
- Annual fee of $59
Creditcard.com.au review
Editor Review
People First Bank Visa Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The People First Bank Visa Credit Card
Previously offered under the People’s Choice name, this card is now available through People First Bank.
The People First Bank Visa Credit Card, formerly offered under the People’s Choice name, has an introductory rate of 2.99% p.a. on purchases, cash advances and balance transfers for the first six months, followed by a variable rate of 12.95% p.a. It has a $59 annual fee and offers up to 62 days interest-free on eligible purchases when repayment conditions are met.
What we love...
One of the first things you are likely to notice on the People First Bank Visa Credit Card is its introductory offer. Offering a lovely low rate of 2.99% p.a. across purchases, cash advances and balance transfers, this could provide an opportunity to save big on interest, especially if you carry a balance or if you have credit card debt on existing cards.
So, why would you choose a card with this offer? With a super low purchase rate over that introductory six month period, you could save on interest on your card spending. Perhaps you want to go on holiday or buy a big ticket item for the house. Maybe you just want to save on your carried over balance month to month. This card could help you do just that.
Alternatively, you may have a balance on an existing card that you want to pay off. A balance transfer offer such as this could make that a much easier prospect. Instead of paying a much higher rate of interest on that balance, you would pay 2.99% p.a. for the first six months, which could potentially allow you to pay it off faster as you pay less in interest overall.
The card offers up to 62 days interest-free on eligible purchases. To qualify, you must pay both the closing balance on the statement immediately before the purchase and the closing balance on the statement containing the purchase in full by their respective due dates. Cash advances do not qualify for interest-free days.
The annual fee is $59. For new accounts, the current ongoing variable rate is 12.95% p.a. after the six-month introductory period. The Key Facts Sheet distinguishes accounts funded before 28 November 2024, when rates were assessed individually. Existing cardholders should check their contract and statement for the rate that applies to them.
What’s not so great...
Balance transfer fees depend on how the transfer is made. Transfers through online or phone banking are free. A staff-assisted external or Heritage transfer costs $1.50 per transfer, while a corporate cheque costs $10 per cheque.
We might call this a middle-of-the-road card. It doesn’t have a super low annual fee or purchase rate, but it doesn’t have a high annual fee or interest rate either. So, it’s not a true low cost card. If you want a real money saver, you may need to look at other options. However, this card does have that nice intro offer, which could offer real value.
Why should you choose this card?
The introductory offer may help reduce interest costs for six months. After that, new accounts revert to the current variable rate of 12.95% p.a. Compare the $59 annual fee and other charges with how you expect to use the card.
It’s safe to say this card is not abundant in features, but as a classic card, this is what you should expect. For its annual fee, you can benefit from worldwide acceptance through the Visa network, with some nice extras in the form of Click to Pay and Visa Secure, and Apple Pay, Samsung Pay and Google Pay compatibility.
Overall Rating
The People First Bank Visa Credit Card offers 2.99% p.a. on purchases, cash advances and balance transfers for six months, then 12.95% p.a. variable for new accounts. It also offers up to 62 days interest-free on eligible purchases, subject to repayment conditions.
User reviews
Rates and fees
Interest rates
Purchase rate 12.95% p.a.
Introductory purchase rate 2.99% p.a. for 6 months
Cash advance rate 12.95% p.a.
Interest free period on purchases up to 62 days
Balance transfer
Balance transfer rate 2.99% p.a. for 6 months
Balance transfer revert rate 12.95% p.a.
Balance transfer from personal loan N/A
Balance transfer fee No fee
Balance transfer limit N/A
Brands you can't balance transfer from People First Bank (formerly People’s Choice)
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $59 p.a.
Additional cardholder fee N/A
Foreign transaction fee 3%
Minimum repayment 3% or $10, whichever is greater
Cash advance fee $5.00
Late payment fee $25
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Samsung Pay and Google Pay
Overview
People First Bank Visa Credit Card
The People First Bank Visa Credit Card, formerly offered under the People’s Choice name, has an introductory rate of 2.99% p.a. on purchases, cash advances and balance transfers for the first six months, followed by a variable rate of 12.95% p.a. It has a $59 annual fee and offers up to 62 days interest-free on eligible purchases when repayment conditions are met.
Key features
- 2.99% p.a. on purchases, cash advances and balance transfers for six months
- 12.95% p.a. ongoing variable interest rate for new accounts
- Up to 62 days interest free on purchases
- Annual fee of $59
- Eligible with Apple Pay, Samsung Pay and Google Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Resident or Australian Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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