---
title: "Value Plus Credit Card — Newcastle Permanent Building Society"
description: "Credit & Charge Cards from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/CC_valuepluscc
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-25T00:00:00+10:00
---

# Value Plus Credit Card — Newcastle Permanent Building Society

> Credit & Charge Cards from Newcastle Permanent Building Society. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Newcastle Permanent**

A personal credit card with up to 55 days interest free on purchases, a low annual fee and competitive interest rate.

## At a glance

- **Purchase rate:** 11.99%
- **Annual fee:** $49.00

## Apply

Applications are handled by the provider: [Apply at Newcastle Permanent Building Society](https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer | 11.99% | — | — |
| Purchase | 11.99% | — | — |
| Cash advance | 11.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 |
| 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 |
| Credit Card Replacement Fee Overseas — Capped at $0.00 · Applies for each replacement card you or an additional cardholder requests overseas | Replacement | $100.00 |
| Replacement Statement Fee — Capped at $0.00 · Payable on reissue of a statement | Replacement | $10.00 |
| 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 |
| Late Payment Fee — Capped at $0.00 · Payable for each statement period that the minimum payment amount is not processed to your credit card account | Late payment | $5.00 |
| Foreign Currency Conversion Fee — Capped at $0.00 · Applies when a card is used to perform a transaction overseas or where a merchant processes the payment overseas. | Purchase | 3% of transaction |
| Cash Advance Fee — Capped at $0.00 · Applies to cash advances performed using the card via ATM, at a branch or other financial institution, or by internet banking. Minimum of $2.50. | Cash advance | 2% of transaction |
| Annual Fee — Charged yearly · Payable in advance on your first transaction and then on each anniversary date thereafter. | Ongoing | $49.00 |

## 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)
- **Digital wallet** — Google Pay (Available for Visa cards only.)

## Eligibility

- **Individuals only**
- **Minimum income** — $20,000.00 p.a.
- **Minimum age** — 18 years (Minimum additional cardholder age is 16 years. )
- **Employment status** — Fulltime, Part time, Casual, Contract, Self Employed 
- **Residency status** — Available to permanent Australian Residents

## Constraints

- **Maximum limit** — $20,000.00
- **Maximum balance** — $20,000.00
- **Minimum limit** — $500.00

## More information from Newcastle Permanent Building Society

- [Overview](https://www.newcastlepermanent.com.au/personal/credit-card)
- [Terms & conditions](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions)
- [Eligibility](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal)
- [Fees & pricing](https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions#Personal)

## Data provenance

- Published by Newcastle Permanent Building Society under the Consumer Data Right
- Product ID: `CC_valuepluscc`
- Last updated by the provider: 24 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/newcastle-permanent-building-society/CC_valuepluscc
- Provider page: https://www.cdrcompare.au/brands/newcastle-permanent-building-society
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000299

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/newcastle-permanent-building-society/products/CC_valuepluscc) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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