A Newcastle Permanent Visa Debit card offers you convenient and secure access to your own money anywhere where Visa is accepted worldwide. You can use a Visa Debit card in your digital wallet to complete mobile payments online, overseas, over the phone, and through ATMs, eftpos and Visa contactless payments.

A Visa Debit card lets you spend your own money, while a Visa Credit card lets you borrow money up to the approved credit limit and pay it back later. Both offer the convenience and security of the Visa network, but they serve different financial needs and may have different fees, charges and repayment obligations.

You can use your Newcastle Permanent Visa Debit card at any Newcastle Permanent, Greater Bank, atmx and participating Big 4 bank ATMs for free.^Δ

Some independent ATMs may charge a fee, but will always ask you to accept this charge before completing the transaction.

A Visa Debit card allows you to access your money wherever Visa is accepted worldwide, including making purchases using mobile payments, online and over the phone, as well as providing access to your money overseas. In addition, you also have the added convenience of Visa contactless payments and the security of Visa’s Zero Liability policy^~.

A Cashcard can only be used through ATMs and eftpos within Australia.

A Newcastle Permanent Visa Debit card or Value+ Credit Card^# allows you to access your money anywhere Visa is accepted worldwide including in your digital wallet, online, through ATMs and in-store purchases. When using an ATM or making a purchase overseas, ensure you press ‘credit’ to complete the transaction. Fees and charges may apply.

A Cashcard can only be used in Australia. If you are travelling overseas, it is important that you upgrade to a Visa Debit card at least 4 weeks before your departure.

If you intend to use your card while you’re overseas, we recommend letting us know in advance so we can ensure you don’t experience any disruptions.

You will be issued a replacement card within four to six weeks of the card expiring. Your current card will continue to work right up to the last day of the month of its expiration. If you have not received your replacement card within two weeks of its expiry, please call us on 13 19 87.

If you have set up your recurring payment from your digital wallet, no action is required. Otherwise, if your card number has changed, you will need to contact the merchant directly to advise them of your new account number and expiry date for your reoccurring payments to continue.

Due to recent industry changes, merchants have the ability to decide how contactless transactions will be processed. When a merchant chooses to process the transaction via eftpos, you may be subject to an eftpos transaction fee if you have exceeded the number of free ‘everyday transactions’ allowed on your account (refer to your Product Schedule). If you are unsure how your transaction will be processed, you can insert your card into the terminal and select the ‘credit’ option for Visa or the ‘cheque’ or ‘savings’ option for eftpos.

Sometimes a merchant will place a hold on funds in your account to confirm you have sufficient funds to cover the costs of the goods or services (e.g. A hotel may do this at the commencement of your stay). You will not be able to access these funds until the hold is removed, and a transaction for this amount is processed. If you have decided to settle the account by another means or the final transaction amount differed from the initial amount held, the hold may remain on your account for up to 14 days unless cancelled by the merchant.

To have the hold removed earlier, you will need to contact the merchant directly.

There are a number of reasons you may not have received a replacement for your expired card, designed to protect your account security, including:

• You have not used the card in the previous 3 years.

• We do not have a current valid address for you.

• Your card has been frozen or reported as compromised.

If you have any questions or need a replacement card, please call us on 13 19 87

Sometimes an online card payment may decline or not be completed for several reasons, including:

• Insufficient funds
• Card expired or blocked
• Transaction limits
• Security checks

Additional security checks may apply to some online transactions to help protect your account and reduce fraud.

Security reminder: If you receive a One Time Password (OTP) to verify a purchase, never share it with anyone, including us. We will never ask for your OTP. You should also check whether the message has come from a verified Sender ID. If it's marked 'Unverified', take extra care and verify it's legitimate before taking any action.

Will these checks affect all card payments?

No. These checks are generally used for online, in-app or phone purchases where the physical card isn't present. They don't apply to in-store tap-and-go purchases where the card or device is present.

If your payment doesn’t go through, you can try:

• Confirming your card details have been entered correctly
• Ensuring there are sufficient funds available
• Checking that your card hasn't expired and is not blocked
• Trying the transaction again later

If the issue continues, contact us on 13 19 87 for support.

Security reminder: If you receive a One Time Password (OTP) to verify a purchase, never share it with anyone, including us. We will never ask for your OTP. You should also check whether the message has come from a verified Sender ID. If it's marked 'Unverified', take extra care and verify it's legitimate before taking any action.

Visa’s Click to Pay is the new standard in online checkout. It is an easier, faster, more secure and better way to shop online. With Click to Pay, you won’t have to manually enter card details to checkout.

Once you have signed up for Click to Pay:

• Look for the Click to Pay icon ‍‍during checkout

• Enter your email address

• Confirm your identity

• Choose the card to use

• Complete the purchase, that’s it!

For more information on Visa Click to Pay, visit Visa’s website.

To get started, look for the Click to Pay icon ‍‍when you check out at participating online shops and pay with your Visa card, wherever it is accepted.

Alternatively, you can set up your Visa card for Click to Pay by:

1. Looking for and selecting the Click to Pay icon ‍‍at online shops that accept Visa

2. Setting up your Visa card by visiting the Visa Click to Pay consumer portal 

For more information on Visa Click to Pay, visit Visa’s website. 

When you use Click to Pay, Visa may share your personal information with participating card networks, service providers and merchants to facilitate the checkout experience. For more on how Visa collects, protects and shares your personal information, please see their Privacy Notice.

For more information on Visa Click to Pay, visit Visa’s website. 

Our Visa cards are embedded with the latest EMV^* microchip technology and purchases are protected by Visa’s Zero Liability policy^~.

When you use Visa contactless or select ‘credit’ using your Newcastle Permanent Visa card you also get added protection through our fraud detection system.

You should never allow others to use your card and ensure you always keep security information like passwords and PINs secret. Allowing others access to your card and/or PIN may mean you will be held liable for fraudulent or unauthorised transactions on your card.

It is a good idea to regularly review transactions on your account. You can easily do this via the app, internet banking or by contacting us. If you think there might be an unauthorised transaction on your account, contact us immediately.

In Australia:

If your card has been lost or stolen, you can place a temporary block on your card by logging into Internet Banking if you are registered or by calling us on 13 19 87. The temporary block will stop any card related transactions from occurring on the account. If your card is later relocated, the temporary block can be removed. If the card cannot be located or was stolen, you can arrange to have the card cancelled and a new card issued on the account. Your new card will be sent to you via mail and should arrive within 7-10 working days from ordering.

Overseas:

If your Newcastle Permanent Visa card is lost or stolen while you are overseas, contact us immediately to cancel the card by calling +61 2 4907 6501. If required, you may be able to access a replacement card or emergency cash through Visa Global Customer Assistance. These services are 100% discretionary based on your specific circumstances and may not be available in all instances.

To protect yourself when shopping online, visit only trusted merchants and avoid sites which ask you to provide unnecessary information or ask you to send payment information via email. Check to ensure that transactions occur in a secure environment. Any website URL where you enter sensitive payment information should begin with https://.

In the event that you notice any unauthorised transaction on your account, you must notify us immediately by calling 13 19 87 or visiting your local branch. Transactions made using a Visa Debit card or Visa Credit card are protected under Visa’s Zero Liability Policy^~, meaning you are protected if your card is lost, stolen or fraudulently used, online or offline.

Using Visa contactless payments allows you to complete transactions quicker and spend less time at the checkout. Simply use your card (digital or plastic) to tap and pay at the contactless reader. You won’t be required to enter your PIN provided the transaction is below the contactless threshold.

It is not possible for your Visa card to be charged accidentally as an authentic transaction needs to be initiated in a retail store. You remain in control of your card during contactless transactions, which reduces the risk of skimming and counterfeit fraud, making Visa contactless payments a safe and convenient way to shop.

Many companies offer products or services with a free trial period. If you are considering one of these offers, we strongly recommend you read the merchant’s terms and conditions so that you know what you are signing up to. Your participation in the trial means you automatically agree to all the terms and conditions, including the automatic charge of the full cost of the product and/or monthly subscription charges once the trial period ends. This may mean you are not able to recover your funds later on.

Free trial periods often begin on the original order date and are usually for a short window time (around 15 days). This means if the product is coming from overseas, you may only have a small window of opportunity to trial it before your account is charged.

If you notice an unauthorised or suspicious transaction on your account, contact us immediately, as dispute timeframes apply.

You can report the transaction by:

1. Logging on to internet banking

2. Navigating to Accounts > Dispute a transaction

3. Entering your details and following the prompts

Alternatively, call us on 13 19 87 or or visit your local branch.

To help protect your accounts, you can reduce your payment limit or place a temporary block on your card(s). Please note that if you reduce your payment limit to $0 or block your cards, you will need to contact us to increase your limit or remove the block.

If the transaction cannot be resolved directly with the merchant or service provider, we may be able to assist through Visa's dispute process. To investigate the transaction, we may require you to block your card and provide any available information or supporting documentation. Visa dispute processes are subject to specific eligibility requirements, rules and timeframes, and some disputes can take up to 180 days to be resolved.

More information on transaction disputes

If you identify a suspicious / unauthorised transaction on your account, and the dispute cannot be resolved by contacting the merchant or service provider directly, we may be able to help you resolve your dispute through Visa’s dispute processes.

To allow us to help you, you must contact us immediately on 13 19 87 or by visiting your local branch as strict time frames for disputes apply. In order for us to process the dispute, you will need to block your card, and provide us with all the available information and supporting documentation regarding the transaction. It is important to note there are set rules and timeframes for the dispute processes, which can sometimes take up to 180 days to resolve.

More information on transaction disputes

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.

The Value+ Credit card^# offers up to 55 days interest-free on purchases. This means you won't be charged interest on eligible purchases, provided you pay the full closing balance shown on your statement by the payment due date each month.

If you do not pay the full closing balance by the due date, you will lose the benefit of the interest-free period and interest will be charged. Interest will accrue on any outstanding balance from the day after the payment due date and will continue until the balance is repaid in full. Interest will also apply to any new purchases made during this time.

A great way of ensuring your credit card payment is made each month is to set up an automatic payment. You can choose from paying the full balance owing, the minimum repayment amount, or a nominated fixed amount. This can be set up via our internet banking, by calling us on 13 19 87 or by visiting a branch.

You can also make repayments by BPAY^®, just use biller code 756544 and your card number as the reference number.  

Alternatively, you can pay by post or in person at your local branch.

Some payments (including automatic transfers and BPAY) may take a few days to process, so please ensure you have left enough time to meet your payment due date.

Use internet banking to set up an automatic payment from another account to your Value+ Credit Card^#. You can nominate to make:

• The minimum required payment as listed on your statement (including any overdue amounts)
• The full balance outstanding on the credit card at last billing (since statement was generated)
• A fixed payment.

Internet banking:

1. Log on to internet banking
2. Navigate to Payments > Transfers & BPAY^® > Value+ auto payment
3. Enter your details and select Continue to follow the prompts.

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.

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

• Send us an enquiry.
• To change your facility limit or a card limit for Business+ Credit Cards, call us directly on 13 19 87, visit your local branch, or contact your Business Relationship Manager.

A balance transfer involves moving the balance or part of a balance from one or more credit cards over to another. Consolidating your credit card debt can help make it easier to manage by lowering your fees or the interest rate you are being charged.

You can request a balance transfer from another financial institution to Newcastle Permanent. If your application is successful, we'll process your transfer request once you receive and activate your card.

Transfers can take up to 10 business days and you will need to keep making payments to your other account until the transfer is complete. You'll be charged interest on the balance transfer amount from the date it is completed.

Requesting a balance transfer does not cancel your old card. To avoid accruing more debt, consider cancelling your old card by calling your provider once the transfer is complete.

Too much paper? Switch to E-statements now. You can elect to receive statements electronically by calling us on 13 19 87, visiting a branch or sending us a secure message via internet banking. Once registered, you will be notified by email whenever a new statement is available to view in internet banking.

The below lists the key things you need to know to read your credit card statement.

1. Statement Overview. An overview of your statement including the statement period, closing balance and minimum payment amount.
2. The Due Date.  You need to ensure you have met the minimum payment amount listed by this date to avoid additional interest, fees and charges. Details on how to pay are listed further below. This section will also show any overdue amounts which must be made immediately if you failed to meet the minimum payment on a previous statement.
3. Account Details. Information about your credit card including your approved credit limit. The credit limit is the maximum amount you can spend on your credit card, including purchases and cash advances.
4. Minimum Repayment Warning. This section explains how long it will take you to pay off your outstanding balance including any interest charges. The table compares the time it would take to pay off your balance by paying only the minimum payment to the amount required to pay off in 2 years, including how much it could save you.  
5. How to pay. All the options available to make your credit card payments are listed here.
6. Account Summary. Where your opening and closing balances are displayed. This summary provides an overview of the total credits and debits on your credit card for the statement period.
7. Interest Rates. This section shows the interest rates applicable to your account throughout the statement period for each transaction type. It also breaks it down to a daily rate.   
8. Your Transactions. This section contains an itemised list of all transactions made during the statement period.

Other things to look out for. You may also find messages from us on your statement from time to time to tell you about important changes to your credit card, such as changes to interest rates.

Pay the closing balance on your credit card statement by the due date each month to use the up to 55 day interest free period and avoid paying interest on purchases.

For more information about how the interest free period work, click here.

Having automatic payments set up to pay your credit card ensures that you don’t miss a payment due date and avoid incurring a late fee while also making sure you don’t incur more interest charges.

For more information about how to manage automatic payments, click here.

A cash advance is when you use your credit card to access cash rather than make a purchase. This can include:

• Withdrawing cash from an ATM

• Getting cash over the counter at a financial institution

• Transferring money from your credit card to another account (where permitted)

• Certain transactions that are treated like cash, such as buying foreign currency or gambling-related transactions.

Cash advances can be helpful if you're in a difficult situation and need access to cash quickly. However, they incur a cash advance fee and interest is charged from the day of the cash advance, so use them only when needed and pay them off as soon as possible.

If you can, pay more than the minimum monthly repayment to reduce the amount of interest you pay and help pay off your balance sooner. Even small amounts above the minimum monthly payment can make a big difference over time.

Don’t wait for the due date. The sooner you make a payment, and the more you can pay, the less interest you'll pay over time. Use the Moneysmart Credit card calculator to see how much you can save.

Creating a budget can help you understand where your money is going and make sure you're setting aside enough to cover your repayments and everyday expenses. By planning your spending ahead of time, you may be able to identify areas where you can cut back, avoid relying on credit, and make extra payments towards your balance. Sticking to a budget can help you stay in control of your finances and reduce the amount of interest you pay over time.

Being mindful of your spending helps you stay within your budget, make more informed spending decisions, and keep your credit card balance under control. Regularly checking your transactions can also help you identify opportunities to reduce spending and pay down your balance faster. Use our app or internet banking to regularly check your credit card spending and help reduce your balance.

You must be 11 years or over to apply for a Visa Debit card (applicants between 11-13 years old require parental consent). You can opt to receive a Visa Debit card when opening an eligible new account.

If you wish to upgrade an existing account to a Visa Debit card visit one of our branches or call 13 19 87.

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

• Are 18 years or older

• Are an Australian citizen, permanent resident, or currently reside within Australia

• Have a demonstrated ability to afford repayments.

If you answered yes to all three questions, here is what you’ll need to provide to complete your application:

• Your Australian driver 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.

The online application should only take 10-15 minutes to complete. We should be able to process your application within 5 business days once we have received your documentation.

Once approved, your card should arrive in the mail within 7-10 working days. Your Visa Debit card can be added to your digital wallet as soon as your account is opened. Your Value+ Credit card^# can be added to your digital wallet once your receive and activate your card.

You can activate your card and choose a PIN via the app or internet banking.

If you require a PIN to be mailed to you, please contact us on 13 19 87 or visit a branch.