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Get value wherever you go with our Value+ Credit Card

Value+ Credit Card

Get value wherever you go with our Value+ Credit Card.

11.99 % p.a.
Purchase rate

Our great low-rate Value+ Credit card

You are in safe hands with our low-rate credit card. Apply online in just 15 minutes.

 

 

  • Low-rate card - feel secure knowing you have one of the lowest rates in market.
  • Interest-free period - enjoy up to 55 days interest-free on purchases.
  • Spend with confidence - you are protected from unauthorised transactions by Visa Zero Liability. (35)
  • Balance transfer - consolidate your debt with our balance transfer option.
  • Control at your fingertips - manage your money with our award-winning app.
Apply for a credit card
Rates are effective as at 9am Tuesday 10/06/2025 and are subject to change without prior notice.
Value Plus Credit Card 37 Interest rate 36
Purchase Rate 11.99% p.a.
Balance Transfer Rate 11.99% p.a.
Cash Advance Rate 11.99% p.a.

Fees

Annual fee $49
Foreign currency conversion fee 3.00% of foreign currency amount
Cash advance fee Greater of 2.00% or $2.50

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.

Your credit card questions answered

You can apply for a Value+ Credit Card if you:

  • Are 18 years or older
  • Earn over $20,000 p.a.
  • Are an Australian citizen or permanent resident

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 (or other acceptable identification when 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.

Interest is calculated daily based on the balance owing on your account and is charged once a month. Different interest rates may apply for different types of transactions, such as purchases, balance transfers and cash advances. An interest-free period may apply on some purchases where you pay the closing balance in full by the due date.

Download our Interest facts for Value+ Credit Card PDF for more information.

To change your facility limit or a card limit for Business+ Credit Cards, contact us, visit your local branch, or contact your Business Relationship Manager.

To change your facility limit or a card limit for Business+ Credit Cards, contact us, visit your local branch, or contact your Business Relationship Manager.

To cancel and close your Value+ Credit Card:

  • Log onto internet banking
  • Click “Services” from the top menu
  • Under Card Services, click “Manage Credit Cards”
  • Or you can contact us or visit your local branch

To cancel and close your Business+ Credit Card, contact us, visit your local branch, or contact your Business Relationship Manager.

All card FAQs

Make the most of your credit card

Get in touch

Speak to a local

Our friendly Newcastle Permanent contact centre are here to help.

Call 13 19 87

Make an enquiry

Get in touch with us online, and we'll get back to you as soon as possible.

Make an enquiry

Visit your branch

Find the Newcastle Permanent branch that's closest to you.

Find your local branch

35Visa’s Zero Liability policy generally does not apply to ATM transactions or transactions not processed by Visa (other protections outside the Visa Zero Liability policy may apply, refer to the relevant Terms & Conditions). You must notify us promptly of any unauthorised transactions or card use. Please contact us on 13 19 87 for additional details.

36Receive up to 55 days interest free on your purchases, if you pay the closing balance each month (including any accrued interest, fees and charges) on each statement in full by the due date. There is no interest free period for balance transfers and cash advances. Interest is calculated on these items from the day of the transaction.

37Terms, conditions, fees, charges and credit criteria apply. Before making a decision read the Terms and Conditions and consider if the product is right for you. For more information, view a copy of the Key Facts Sheet.

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