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BSB 650 000

Credit Cards

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

Apply now

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.

Lost or stolen card?

13 19 87

If you're overseas call: +61 2 4907 6501. This service is open 24 hours

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

Review from Mozo.com.au
Brooke
New South Wales

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

Important Information

  • How long will my application take?

    How long will my application take?

    The online application should only take 10 – 15 minutes, and we should be able to process your application within 5 working days once we have received your documentation.

    You may also need to provide some identification, by either visiting one of our branches or any Australia Post office by downloading and completing the identification form and providing acceptable identification documents.

  • Who Can Apply?

    Who can apply?

    You can apply for a Value+ Credit Card if you can say yes to the following questions:

    • Are you 18 years of age or over?
    • Do you earn over $20,000 p.a.?
    • Are you a permanent Australian citizen and currently reside in Australia?

    If you answered ‘yes’ to all three questions, here is the information we will need from you to complete your application:

    • Your Australian Driver’s licence (if applicable)
    • Employment details
    • Details of your income, assets and liabilities
    • Information about any additional cardholders (if applicable)

    You will also need to provide a copy of your most recent payslip, or if you are self-employed, your financial statements and personal tax returns for the last 2 years. Other evidence of income or additional documentation may be required.

  • Compare your credit card benefits

    Compare your credit card benefits

    Our Value+ Credit Card offers great value. Download a copy of our Value+ Key Facts Sheet so you can compare it with other credit cards on the market.

    There may also be other fees and charges payable, so please refer to the Value+ Credit Card fees and charges.

    Please read the Terms and Conditions that contain important information to help you make an informed decision.


Get in touch

  • Contact us Call 13 19 87

  • Enquiry Make an enquiry

    One of our friendly Financial Advisers will respond to your enquiry within one business day (Monday to Friday).

    All information is required unless otherwise stated as optional.

    We will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Home Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

    One of our friendly Personal Loan Experts will respond to your enquiry within one business day.

    All information is required unless otherwise stated as optional.

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    Please be aware to borrow this amount you will be required to provide security. You may continue with your online enquiry, providing security where requested, or you can contact our Member Support Centre on 13 19 87 to discuss our security requirements prior to completing your enquiry.

    Security against Loan

    The car should be less then eight years old and for personal use only.

    The motorcycle should be less then seven years old at the end of the loan term. Please note that only on-road and dual purpose motorcycles are accepted as security for a Personal Loan.

    To be used as security this account must be held with the Newcastle Permanent. If you would like to transfer your Term Deposit to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    If the property is mortgaged, the mortgage must be held with the Newcastle Permanent to be accepted as security. If you would like to transfer your Mortgage to the Newcastle Permanent please contact our Member Support Centre on 13 19 87.

    Financial statements for the past two financial years will be required to support your application.

    Please note that unemployment benefits are not accepted as eligible income to apply for a Personal Loan. You may contact our Member Support Centre directly on 13 19 87 for further clarification on acceptable sources of income.

    Acceptable Pension type: Aged, Disability, Veterans Affairs and Carers. If you are receiving any other type of pension you may not be eligible for a Personal Loan. Please contact our Member Support Centre on 13 19 87 to discuss your eligibility.

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    Here’s some information for you: Terms and conditions apply and will be included with our loan offer.

    Here’s some information for you: Newcastle Permanent Building Society AFSL 238273.

    Here’s some information for you : Applications for finance are subject to Newcastle Permanent's normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable. Loans for commercial purposes are excluded.

    Here's some more information for you: This enquiry does not constitute a loan or pre-approval. Applications for credit are subject to Newcastle Permanents normal credit approval process. Full terms and conditions will be included with our loan offer. Fees and charges are payable.

    Here’s some information for you: Applications for finance are subject to Newcastle Permanent's normal credit approval process.

  • Locate us Find a local branch

    Find a local branch or ATM

    Find a Newcastle Permanent Branch or ATM* by typing in the suburb or postcode below:

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Here’s some information for you:
*Competition opened 01/12/2018 and closed 31/01/2019.
Competition Terms & Conditions of Entry are available here (PDF)
Prize will be drawn 12/02/2019. Prize is one (1) MY19 Hyundai Accent Sport 1.6L 6 speed automatic 4 door hatch in Chalk White. Prize includes on road costs, third party insurance, 12 months registration, dealer delivery charges and stamp duty. NSW Permit No. LTPS/18/29866.
Interest rates effective as of 16/02/2019 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 www.visa.com.au 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.