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One great low rate credit card

  • Competitive low interest rate
  • Up to 55 days interest free on purchases
  • Convenience of payWave~
  • Security of Visa’s Zero Liability-
  • Worldwide Visa access**
  • Up to 3 additional cards at no extra charge

We have one simple low rate credit card with great features and benefits that really stacks up against the competitors.

Value + Credit Card Overview

Our Value+ Credit Card# combines all the benefits of Visa with a competitive, low interest rate.

Purchase Rate 11.99%p.a.
Cash Advance Rate 11.99%p.a.
Balance Transfer Rate 11.99%p.a.
Annual Fee $49
Foreign Currency Conversion Fee 3.00% of foreign currency amount
Cash Advance Fee Greater of 2.00% or $2.50

Worldwide Visa access

Security of Visa's Zero Liability

Convenience of Visa payWave 

Convenience of Visa Checkout

Convenience of Online shopping access

 Fees & Charges - PDF 91kb   Key fact sheet - PDF 65kb

Excellent interest rate, no frills, no trying to figure out where the charges are.

Here’s some information for you:
Interest rates effective as of 03/07/2020 and are subject to change without notice.
#Applications for the Value+ Credit Card are subject to Newcastle Permanent's approval. Fees and charges may apply. Full Conditions of Use are available on request and will be included in any loan offer.
~ For more information on Visa payWave, drop into your local branch, visit or call 13 19 87.
Visa’s Zero Liability policy covers Australian and New Zealand issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial credit card transactions. The cardholder must notify their issuer promptly of any unauthorised Visa card use. Please consult your issuer for additional details.
^Newcastle Permanent Visa cards are accepted anywhere where Visa is accepted worldwide.
» The links provided are to websites controlled or offered by third parties (non-Newcastle Permanent). Links to other websites are provided for convenience only and do not represent any endorsement by Newcastle Permanent of the products or services offered by the website owner.