Value Plus Credit Card
A personal credit card with up to 55 days interest free on purchases, a low annual fee and competitive interest rate.
- Purchase rate
- 11.99%
- Annual fee
- $49.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 11.99% | — | — |
| Balance transfer | 11.99% | — | — |
| Cash advance | 11.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Payment Dishonour Fee Capped at $0.00 · A payment may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly completed or because the credit card account has been closed | Dishonour | $9.00 |
| Annual Fee Charged yearly · Payable in advance on your first transaction and then on each anniversary date thereafter. | Ongoing | $49.00 |
| Direct Debit Dishonour Fee Capped at $0.00 · A direct debit may be dishonoured for various reasons, including insufficient funds being available in the credit card account at the agreed time the debit is to occur, the request being incorrectly completed or because the credit card account has been closed. | Dishonour | $9.00 |
| Credit Card Replacement Fee within Australia Capped at $0.00 · Applies for each replacement card you or an additional cardholder requests within Australia | Replacement | $20.00 |
| Credit Card Replacement Fee Overseas Capped at $0.00 · Applies for each replacement card you or an additional cardholder requests overseas | Replacement | $100.00 |
Features
- Interest-free period — 55 days
- Bill payment (BPAY) — BPAY View
- Balance transfers
- Transfer store or other credit card balances to your Value plus Credit Card
- Unlimited transactions
- Subject to credit limit
- Additional cards — up to 3
- Up to 3 additional cardholders. No additional cardholder fee.
- Digital wallet — Apple Pay
- Available for Visa cards only.
- Digital banking
- Internet Banking and Mobile Banking
Eligibility
- Individuals only
- Minimum income — $20,000.00 p.a.
- Minimum age — 18 yearsMinimum additional cardholder age is 16 years.
- Employment status — Fulltime, Part time, Casual, Contract, Self Employed
- Residency status — Available to permanent Australian Residents
Constraints
- Minimum limit — $500.00
- Maximum limit — $20,000.00
- Maximum balance — $20,000.00
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID CC_valuepluscc · View on CDR.gov.au