Lenders › People's Choice and Heritage › Visa Credit Card
People's Choice and Heritage · Credit cards
Visa Credit Card
People's Choice and Heritage's Visa Credit Card is a credit card. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate last moved on 9 May 2026, up from 2.99% to 12.95%.
Advertised rate
12.95%
headline tier
Tiers
3
current rate rows
Last moved
+9.96pp
9 May 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Introductory 6 monthsA low introductory rate of 2.99% p.a. | 2.99% |
| Cash advances | 12.95% |
| Purchases | 12.95% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Final Demandwhen it happens: Charged when demand is issued to request payment where no credit limit exists. | $15 |
| Credit Card Monthly Transfer Rejectionwhen it happens: Applies when you have a scheduled monthly balance sweep set up and there are insufficient funds in your account to process a payment. | $5 |
| Over limit Administration Fee 1when it happens: Payable if you exceed your approved credit limit and you fail to pay an amount sufficient to return the balance of the account to less than or equal to the appr | $25 |
| Arrears Administration Fee 1when it happens: Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us | $25 |
| Over limit Administration Fee 2when it happens: Payable if you exceed your approved credit limit and your account balance remains over the approved limit for a period of 20 days or more. | $25 |
| Arrears Administration Fee 2when it happens: Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more. | $25 |
| Visa Cash Advance- Australia and Overseaswhen it happens: Visa Cash Advances are withdrawals using your visa Card at Australian Bank branches, overseas Bank branches, overseas ATMs, National ATMs or Australia Post (us | $5 |
| Conversion Feewhen it happens: Applies when a transaction is performed overseas using a Visa Card. | see lender |
| Annual Visa Credit Card Feeper transaction: Charged within a month of the account opening and then annually on the anniversary of the account opening month. | $59 |
| Balance Transfer (via Corporate Cheque)when it happens | $10 |
| Balance Transfer (via external transfer)when it happens | $1.50 |
| ATM Withdrawalper withdrawal: Cash Advance fee | $5 |
Other People's Choice and Heritage credit cards
Get an email the morning People's Choice and Heritage moves this rate.
Every People's Choice and Heritage rate · every credit card rate compared · other lenders · this product in the explorer.