People First Bank / Heritage Bank Visa Credit Card

credit card

Visa Credit Card is a credit card from People First Bank / Heritage Bank, as the bank publishes it in its product data. Its purchase rate is 12.95% and its card fee $59 a year. It ranks 29th of 52 issuers for a personal card by lowest purchase rate; and 20th of 22 issuers for a personal card by the length of its balance transfer offer.

What the feed states

Purchase rate

12.95%

Introductory purchase rate

2.99% for the first 6 months

Cash advance rate

12.95%

Interest-free days

up to 62

Card fee

$59 a year

Balance transfer offer

2.99% for 6 months

Digital wallets

The Pays

Credit limit

from $1,000

Minimum age

18

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page ("Annual Visa Credit Card Fee $59 per account"; "Up to 62 days interest free"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read
• 2.99% on purchases for the first 6 months, then the purchase rate
• 2.99% on balance transfers for 6 months
• $59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers
• up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full

Who can apply, in the bank's words

• Terms, conditions, fees, charges and lending criteria apply and are available on application

About this card

The People's Choice Credit Union Visa Credit card offers you the flexibility of more interest free days than most other cards. You can use it for anything from day to day purchases to paying bills or even withdrawing cash.

Data

• People First Bank / Heritage Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-27.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/people-first-and-heritage-bank.json: this issuer's cards as JSON; People First Bank / Heritage Bank's page lists them.
• The bank last updated this record on 2026-05-04; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at People First Bank / Heritage Bank

• Secured Business Visa Credit Card credit card, 10.65%, $45 a year
• Unsecured Business Visa Credit Card credit card, 12.95%, $45 a year