Visa Credit Silver  Introductory fixed rate of 6.99%pa*(available for the first six months)
No annual fee Ongoing interest rate of 11.95%pa Interest free period of up to 44 days on purchases Credit limit between $1,000 and $10,000 Visa payWave enabled Convenient balance transfer – take advantage of our competitive interest rate and consolidate your cards so that you make only one monthly payment* Schedule regular payments to other service providers 24 hour access through online and telephone banking Safer, more secure online shopping with Verified by Visa.
*Balance transfer option is limited to two credit cards per Visa credit card account.
Visa Credit Card limit increase
If you wish to increase the limit of your existing Credit Card, read our PC Visa Credit Card Terms and Conditions of Use and then do one of the following:  | Download the Visa Credit Card Limit Increase form and mail your completed form back to us at:
Reply Paid 669, Police Credit, PO Box 669, Carlton South, VIC 3053 | | Visit a branch to ask personally about your credit card limit |  | Call Police Credit on 13 63 73 option 4 and speak to our Credit Services staff |
Visa Credit Card limit decreaseIf you wish to decrease the limit of your existing Credit Card, you need only do one of the following:  | Visit a branch to ask personally | | Call Police Credit on 13 63 73 and speak to our Credit Services staff |
We will send you written confirmation of your limit decrease. Visa Credit Card cancellationTo cancel your credit card, we ask that you send a written request to Reply Paid 669, Police Credit, PO Box 669, Carlton South, VIC 3053. Chargeback claimIf you do not recognise a card transaction, you should report the unauthorised transaction immediately and lodge a chargeback claim, call Member Response on 13 63 73 option 3 (8am - 5pm, Monday to Friday). If overseas, call +613 9268 9373. Additional Cardholder/Balance Transfer RequestsIf you wish to have an additional card holder for your Credit Card, or wish to transfer your existing credit card balance to your Visa Credit Card, read our Visa Credit Card Terms and Conditions of Use and then do one of the following: Great ratesPolice Credit offers competitive rates for both the Visa Credit Silver and Visa Credit Gold cards. You can take advantage of the introductory fixed rate of just 6.99%pa, available for the first six months reverting to the ongoing Visa credit card variable interest rate. Has your Card or PIN record been lost, stolen or misused? Has your PIN become known to someone else? Is there an unknown/unauthorised transaction on your card account? contact us NOW
Repayment optionsPayments on your PC credit cards can be made through:
online banking or Rapid Response automatic transfer from PC accounts mail (by cheque) any branch direct credit via salary credit or transfer from another financial institution regular payments
Additional cardsAs a credit card holder, you can apply to have an additional card issued to someone else (who must be over the age of 15). Before doing this, make sure that you trust the person to use the card responsibly. Remember that you will be liable for all the transactions that this person carries out. You are always free to cancel an additional card by giving us written notice. Search our frequently asked questions to find the answer you are looking for. Complete our online feedback form so that we can find the best way to help you.
*Interest rates quoted are current at the time of publication and subject to change. Fees and Charges apply. Information on terms & conditions, interest rates and fees and charges applying to our products and services is available upon application or request. Before you make any decision to acquire any non-cash payment product or insurance product or service you should obtain and consider the relevant Product Disclosure Statement available from any branch of Police Credit or by calling 13 63 73. Police Credit has obtained Visa Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance underwritten by Chubb Insurance Company of Australia Limited ("Chubb") ABN 69 003 710 647 AFSL no.239778 whose registered office address is Citigroup Centre, Level 29, 2 Park Street, Sydney NSW 2000. The terms, conditions and exclusions of Visa Gold Overseas Travel Insurance, Purchase Protection Insurance and Extended Warranty Insurance are available from Police Credit by visiting a branch or calling 13 63 73 and may be amended from time to time.
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