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Visa Debit Card, Visa Credit Card and Cashcard FAQs

Visa Debit cards FAQs

Our Visa Debit card allows you to access your own money anywhere and anytime worldwide.

A Visa Debit card offers you convenient, secure access to the Visa network worldwide. Providing access to your own money online, overseas, over the phone and through ATMs and EFTPOS, wherever Visa is accepted.

A Visa Debit card allows you to conduct transactions using your own money, while a Visa Credit card provides you with the ability to access to your approved credit limit.

A Visa Debit card allows you to make purchases online and over the phone, as well as providing access to your money overseas. You also have the added convenience of Visa payWave~ and the security of Visa’s Zero Liability policy~.

A Cashcard can only be used at ATMs and EFTPOS within Australia.

Members aged 16 years and over are eligible to apply for a Visa Debit card.

Visa Debit cards can be used online, overseas, and over the phone, as well as through ATMs, EFTPOS and Visa payWave~.

Yes. With a Visa Debit card you have access to your money anywhere Visa is accepted worldwide through ATMs and in-store purchases. Fees and charges apply.  When using an ATM or making in-store purchases ensure you press ‘credit’ to complete the transaction.

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

Yes. Your online purchases are protected by Visa’s Zero Liability policy~ and ‘Verified by Visa’~. You can further protect your online shopping by registering with Visa Checkout~ as well.

Yes. Visa payWave~ is a quick, easy and secure way to pay for purchases under $100.

Simply select a Visa Debit card when you apply for an account online, or visit one our branches or call 13 19 87.

Visa Credit cards FAQs

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

Key fact sheets can help you compare interest rates, common fees, and other basic aspects of different credit cards.

This is the amount you have been approved to spend on your credit card account.

A cash advance is a debit to your credit card account that results in you receiving actual cash. It also includes various other types of transactions (for example, a purchase of cash equivalent items such as gambling chips, traveller's cheques or money orders).

A cash advance attracts a Cash Advance Fee. For further details regarding cash advances please refer to the ‘Important information about Value+ Credit Cards’ booklet.

Balance transfers are an agreed limit transferred from another credit card or store card provider to your Newcastle Permanent Value+ Credit Card.

The amount agreed is subject to our balance transfer interest rate. For further details regarding balance transfers please refer to the ‘Important information about Value+ Credit Cards’ booklet.

We will charge interest on each transaction debited from your credit card account (including on any unpaid fees, charges and previously billed interest contained in the transaction balance), on a daily basis. Different interest rates may apply to different transaction balances.

An interest free period may apply to part or all of the purchases in some circumstances. For full details refer to the ‘Important information about Value+ Credit Cards’ booklet.

You will receive a statement each month and you are required to pay at least 3% of the closing balance of your credit card account statement or $10, whichever is greater.

To avoid paying interest you should pay your total outstanding amount by the due date.

A Government legislation requires Newcastle Permanent, like all credit card issuers, to include a minimum repayment warning on each statement of account to raise awareness of cardholders on the impacts of just paying the minimum repayment required each month and to provide an estimate of how much you might need to repay each month to pay off your closing balance in around 2 years.

Yes. This is a great way of ensuring your credit card payment is made each month. You can choose from paying the full balance owing, the minimum repayment amount or a nominated amount. For further information visit your local branch or call MSC on 13 19 87.

A late payment fee of $5 may apply to your credit card account if you do not pay at least the minimum repayment required by the due date.

Yes. Your Value+ Credit card can be used anywhere in the world that Visa is accepted.

If your account has an interest free period on purchases, you can avoid paying interest on the purchases by always paying the full closing balance shown on each statement by the applicable due date every month.

If you don't pay the full closing balance shown on your statement by the due date, the purchases will attract interest from the original transaction date. You may regain the benefit of interest free periods on purchases by paying the full closing balance shown on two following consecutive statements by each due date. 

Yes. You can apply for a credit limit increase or decrease by visiting your local branch or downloading the Credit limit increase application form from our website or by contacting our Member Service Centre on 13 19 87.

Cashcard FAQs

Cashcards are a traditional option for you to access your money after hours and on weekends through ATMs and EFTPOS.

A Cashcard offers you convenient, secure access to your money via ATMs and EFTPOS within Australia.

Members aged 13 years and over can apply for a Cashcard on any personal statement account.

ATMs and EFTPOS Australia wide.

No. If you are travelling overseas you will need to upgrade to a Visa Debit card or apply for our Value+ Credit card.

Yes. Our Cashcards are embedded with the latest EMV* chip technology.

Simply apply online, visit one our branches or call our Member Service Centre on 13 19 87

Your money on the go

Get fast, easy, secure access with our banking app.

Here’s some more information for you:
You should consider the Terms and Conditions. Fees and charges may apply.
For more information on Visa services such as Visa’s Zero Liability policy, Visa payWave, Visa Checkout and Verified by Visa, visit www.visa.com.au, drop into your local branch or call 13 19 87.
*‘EMV’ stands for ‘Europay, Mastercard and Visa’. EMV chips are a global standard initiative used to help authenticate credit card and debit card transactions conducted through ATMs and EFTPOS systems.