Newcastle Permanent Credit Cards

Newcastle Permanent offers a low rate Visa credit card with simple features, including contactless payments and the option to transfer a balance from an existing credit card. If you're thinking about getting a credit card from Newcastle Permanent, you can use this guide to learn more about the Value+ card, as well as key features you can get as a member of this mutual building society.

Comparison of Newcastle Permanent Credit Cards

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Name	Product	Purchase rate	Interest-free period	Annual fee	Balance transfer rate
Newcastle Permanent Value+ Credit Card		11.99% p.a.	Up to 55 days on purchases	$49	11.99% p.a.	Save money with up to 55 days interest-free on purchases, a $49 annual fee and a low 11.99% p.a. interest rate on purchases and balance transfers.	More Info	Compare	loading Fetching your data...

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Types of Newcastle Permanent credit cards

• Low rate credit card

The Newcastle Permanent Value+ credit card is a low rate card that offers on purchases, cash advances and balance transfers. You can use it anywhere Visa is accepted and have the option of making contactless payments at the checkout. This card also has an annual fee of $49 that's competitive with other low rate credit cards.

Learn more about Low Rate Credit Cards

Benefits banking with Newcastle Permanent

Some of the key benefits you can get with a credit card from Newcastle Permanent include:

• Worldwide access and other Visa benefits

You can use this card in person, online and over the phone with any business that accepts Visa card payments. If you're shopping in person, you can tap to pay with no need to enter a PIN for purchases under $100. Plus, you can access deals for shopping, dining, entertainment and travel though Visa Offers + Perks.

• Additional cards

The Newcastle Permanent Value+ Credit Card offers up to 3 additional cards for no extra cost.

• Different ways to access account details

You can check your balance and manage your account with Internet banking or the Newcastle Permanent mobile app. You also have the option of banking over the phone by calling 13 19 12, or visiting a branch in NSW.

• Balance transfers

You can use your Value+ Credit Card to transfer balances from existing credit cards or store cards by submitting a completed balance transfer application form (available on the Newcastle Permanent website). Keep in mind that any transferred balances will attract the card's interest rate once the transfer is complete. This is different to balance transfer credit cards that offer a low or 0% interest rate for an introductory period, so it's worth comparing a few options to find one that helps you save on costs.

How to apply for a Newcastle Permanent Credit Card

You can apply for a Newcastle Permanent credit card online by filling in a secure application form on the Newcastle Permanent website. Before you get started, make sure you meet the following eligibility criteria and have all the documents and details you'll need to complete the application.

Eligibility criteria

• Age. You should be at least 18 years old.
• Australian residency status. You must be an Australian citizen or permanent resident.
• Minimum income. Your annual income must be at least $20,000

Documents and details

• Personal details. This includes your name, date of birth, residential address, email address and mobile phone number. You also need to provide a valid form of ID, such as your driver’s licence, passport or Medicare number.
• Employment details. As well as your annual salary, you need to share details of your profession, length of employment and your employer's contact details. You may also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This covers any other sources of income, investments, savings, other assets and your existing cards, loans, debts or other liabilities. You also need to provide an estimate of your share of regular household expenses, such as rent or mortgage payments, bills and groceries.

If you don't have all the required details or want more time, you can save the application and come back to it by entering your phone number and a reference number you'll be provided with when you save it. If you have any questions about your application, you can call Newcastle Permanent on 13 19 87.

Frequently asked questions

• What repayment options do I have?

  Specific repayment details will be shown on your Newcastle Permanent credit card statement each month. This includes the following ways to pay:

  • BPAY from an Australian bank account
  • Automatic payments for the minimum, full amount owed or a fixed amount of your choosing (as long as it's more than the minimum required)
  • Payments by post
  • Payments in person at a Newcastle Permanent branch

  Note that some repayment options, including BPAY and automatic payments, may take a few days to be processed. This means it's ideal to make your repayment a few days before the due date on your statement so that it is processed in time.

• Do Newcastle Permanent credit cards offer reward points or rewards?

  No, this is not currently a feature offered by Newcastle Permanent. If you want to earn rewards as you spend, you can compare a range of rewards credit cards here.

• What should I do if I lose my card?

  If your card is lost or stolen, report it to Newcastle Permanent straight away by calling 13 19 87 when you're in Australia, or +61 2 4907 6501 when you're overseas.

• How can I cancel my card?

  If you want to cancel your credit card, you can fill in a request form on the Newcastle Permanent website, or call 13 19 87. Note that you will need to pay the account's entire balance before you can close it. This guide has more details about closing your credit card account.

Image: Newcastle Permanent