“Your Choice” is a credit card issued and developed by New England Credit Union to cater specifically to your needs. We have focused on providing you with a “55 days interest free” credit card with a low annual fee, a low interest rate and a special bonus for members who have a mortgage with New England Credit Union. Add to this the unrivalled access to over 24 million merchants and almost one million ATM’s in over 150 countries that is provided through our affiliation with Visa International, and “Your Choice” becomes the only choice when selecting a credit card!



Up to 55 days interest free...

Most of us have heard the phrase “55 days interest free”, but what does it really mean, and how does it benefit you?

Here’s how it works……

You will receive a statement for the “Your Choice” Visa credit card each month. Each statement will show a payment due date, which will be at least 24 days from the end of the month in which your transactions were made. Any purchases on this statement will not be charged interest until after this due date . This means that you get to use New England Credit Union’s money for at least 24 days before you are charged any interest, and if you make your purchase early in the month, up to 55 days interest free.

Acceptance of Visa around the corner or around the world...

Our affiliation with Visa International gives you the assurance that the “Your Choice” credit card will be widely accepted both in Australia and overseas.
“Your Choice” is the right choice for low annual fees and interest rates

Annual Fee: $30 charged annually
Interest Rate: 13.20%p.a.
Those members who apply for a “Your Choice” Visa credit card that already have or take out a mortgage with New England Credit Union will receive a further interest rate reduction of
3.00%p.a. off the already low credit card interest rate. This reduces the interest rate you pay on the “Your Choice” card to only 10.20%p.a, and is a reward for using us for both your home loan and credit card needs.

Transfer your existing credit card balance and start saving immediately!

Do you have a credit card at another financial institution? If so, what interest rate are you paying?
By transferring the current balance of any other existing credit card you can start paying the low “Your Choice” Visa Credit Card interest rate on the outstanding balance immediately.
Why pay up to 17% interest (or more) when you can transfer your current credit card balance to a “Your Choice” Visa and pay only 13.20% (or 10.20% if you have a mortgage with New England Credit Union)?
And the great news is that the sooner you make the change to “Your Choice”, the sooner you will start saving!

Credit cards are part of everyday life for most Australians, however most of us have heard stories about how incorrect use of a credit card can cause financial difficulty for the user. It is important to remember that the “Your Choice” Visa credit card is not an alternative to a loan. It is designed to provide you with short term finance and a convenient way to make purchases locally, internationally, over the telephone and on the internet. While the minimum monthly repayment on the “Your Choice” Visa is 2.5% or $20, whichever is greater, you can minimise the interest charged by paying more than this amount.

Important Note:

Credit cards are part of everyday life for most Australians, however most of us have heard stories about how incorrect use of a credit card can cause financial difficulty for the user. It is important to remember that the “Your Choice” Visa credit card is not an alternative to a loan. It is designed to provide you with short term finance and a convenient way to make purchases locally, internationally, over the telephone and on the internet. While the minimum monthly repayment on the “Your Choice” Visa is 2.5% or $20, whichever is greater, you can minimise the interest charged by paying more than this amount.


How do I Apply?

It’s easy, simply call 132 067 or visit any branch to discuss how New England Credit Union can meet your financial needs.

To use this facility you must be a member of New England Credit Union. Membership can be obtained by purchasing one $10 share which is refundable on resignation. Call 132067 for more information.

For a list of current interest rates


Product Brochure (2.1mb)

Disclaimer

Terms and conditions apply. Fees and charges apply. Normal New England Credit Union Ltd lending criteria applies.

Terms and Conditions

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