Cards
Your Visa Debit or Credit Card should arrive between 7 to 10 business days after you order a card. If you have not received your card after this time, please get in touch.
On your physical card, all of your important information such as your member number, card number and card expiry date can be found on the back of your card.
Our Visa Debit and Credit Cards have new accessible features, including a high contrast visibility strip, a braille “P” for People First Bank, tactile dots to indicate whether the card is a Visa Debit Card (1 dot) or Visa Credit Card (2 dots), notches and larger print for card information.
Customers can temporarily lock and unlock their card via Digital Banking:
People First Bank App and Online Banking:
- Navigate to the cards via the homepage.
- From there you can lock or unlock your card via the toggle. A locked card is reflected by a green toggle and the card image will also be updated to reflect this.
- To unlock a card, simply swipe the toggle back to grey. Allow a couple of minutes for the unlock to become effective.
When you receive your new card (if lost, stolen or captured) it will not be active. To activate your card, follow the steps below.
In the People First Bank App:
- Open the People First Bank App and select the 'Cards’ tab (next to Dashboard at the top of the screen).
- Swipe across to the card you want to activate.
- Click ‘Activate now’.
In Online Banking:
- Log in to Online Banking and select 'Self service’ from the menu bar, then ‘Manage cards’.
- Navigate to the card you want to activate and select ‘Manage’ to view the self-service options.
- Click ‘Activate card’.
Once you’ve done these three steps, follow the final prompts in the App or Online Banking to complete your card activation. Remember to sign the back of your card before you use it.
If you've tried activating your card with the steps above and still need help, call our Customer hub on 13 11 82 or visit your local branch. For help at a branch, you'll be asked to provide appropriate ID.
A credit limit is the maximum amount that People First Bank has approved for you to borrow.
Credit limits should be carefully monitored to ensure that you do not exceed your designated amount. To ensure that you do not exceed your limit, you may find it helpful to keep a pocket notebook with you to write down your purchases. You can also check balances regularly via Phone Banking or Digital Banking, noting sometimes there may be purchases still to be processed to your account.
To increase your credit limit on your card, you’ll need to make an application. Call us on 13 11 82 or visit your nearest branch and we’ll help you get started.
The estimated time to process your application and receive an outcome is 3-5 days.
If your card is lost or stolen in Australia, call our 24/7 Customer hub on 13 11 82 or visit your nearest branch as soon as possible.
If you're overseas, please contact us on +61 8 7078 4200 and visit the Visa website to find the contact details for each country to request a new Visa card be issued to you.
You will need to contact us to arrange for a new card, as captured cards are not returned to People First Bank.
There may be a fee for ordering a replacement card. Refer to our Fees & Charges document for more details.
You can use this website to request the following:
- a reduction in your credit limit to an amount that equals or exceeds the minimum credit limit for your Visa Credit Card or Overdraft facility; or
- to request to terminate your Visa Credit Card or Overdraft facility.
To do this, please access Online Banking, where you can contact us by sending us a message. Alternatively, you can complete our Credit Limit Decrease Request form, visit your local branch or contact us on 13 11 82.
Follow the steps below to activate your new card using either the People First Bank App or Online Banking.
In the People First Bank App:
- Open the People First Bank App and select the 'Cards’ tab (next to Dashboard at the top of the screen).
- Swipe across to the card you want to activate.
- Click ‘Activate now’.
In Online Banking:
- Log in to Online Banking and select 'Self service’ from the menu bar, then ‘Manage cards’.
- Navigate to the card you want to activate and select ‘Manage’ to view the self-service options.
- Click ‘Activate card’.
Once you’ve done these three steps, follow the final prompts in the App or Online Banking to complete your card activation. Remember to sign the back of your card before using it.
If you need help, please call our Customer hub on 13 11 82 or visit your local branch. To complete card activation at a branch, you'll be asked to provide appropriate ID.
The interest free period applies to purchases only providing that both the closing balance on the statement immediately preceding the purchase is paid in full by the due date and the closing balance of the statement recording the purchase is paid in full by the due date; otherwise interest will apply from the date of the purchase.
You may have been charged interest for the following reasons:
- A cash advance has been made
- An electronic transfer has been debited from the account
- An overseas cash withdrawal was done
- There was a late payment made to the account
- The full end of the month balance was not paid.
To reduce interest charges, try paying more than your minimum repayment each month. The more you pay off your balance, the less interest you will be charged. If you pay off your whole balance by the due date, you won't be charged any interest at all on eligible transactions.
Interest is calculated on the daily balances but not charged until the last calendar day of the month.
Yes, the smart chip provides the highest level of protection against counterfeiting, card skimming and other fraudulent use as the microchip is virtually impossible to copy.
One way to access your accounts overseas is to use your Visa Debit or Credit Card with a PIN at an ATM or Merchant facility.
There may be fees applicable. Refer to our Fees & Charges document for more details.
All our Visa Debit and Visa Credit Cards come embedded with a smart chip, making cards virtually impossible to copy and offering a level of security against counterfeiting, card skimming and other fraudulent use.
If you are travelling overseas, make sure you're signed up for Online Banking so you can keep track of your accounts while you're away.
A chip card is a Visa Credit or Debit Card with an embedded smart chip. It appears as a gold square on the left-hand side of the card. Like the magnetic stripe on the back of current credit and debit cards, the embedded microchip securely stores account details - account name, number and account expiry date. But unlike the magnetic strip, the microchip is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use.
In most instances you will only require one card. Your card will provide you access to all of your accounts in our branches or agencies, even those that you are signatory to. In addition, you can link up to three transactional accounts to your card for access at ATMs and Bank@Post. Our Visa Credit Card also allows up to two additional transactional accounts to be linked to access via EFTPOS and ATMs.
Call us immediately on 13 11 82, contact us via the website, or go to your nearest branch and speak with a consultant.
A cash advance is an option cardholders can use to withdraw cash against their approved credit limit on their Visa Credit Card. Receiving a cash advance can simply be a matter of using their credit card at the nearest ATM.
Please note that there are no interest free days that apply on cash advances, interest charges are incurred from day one. Fees and charges apply to a cash advance. Refer to our Fees & Charges document for more details.
Purchases and cash withdrawals are directly deducted from your transaction account, so there are no interest charges unless you're using an overdraft option. This means you can monitor your account balance and see exactly how much money you have left to spend. Visa Debit also has the convenience of international access to your accounts and the ability to make purchases online – still accessing your own funds. All purchases, including payWave transactions, are covered by Visa's Zero Liability policy, you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information. This means you can use your card to shop with total confidence, as you will always be protected against unauthorised use.
The following clip provides a great description of Visa Debit functionality and its uses.
All our Visa Debit cards have the latest smart chip technology which is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use. Our cards are also covered by Visa Secure and Eftpos Secure, which adds another level of protection when buying online from participating merchants. People First Bank also provide a fraud protection service to customers free of charge which monitors transactions to detect unusual activity, suspicious transactions and block the card if necessary.
In addition, all Visa cardholders have admittance to Visa Entertainment providing access to concert and theatre ticket presales, film promotions and exclusive offers.
An outstanding authorisation is when the amount of a purchase (e.g., Hotel stay) has been held on your account to allow the merchant to process the transaction.
It can also be used as a security measure for transactions such as Hotel stay or Car rental deposit.
In most cases, the hold remains in your account for up to 5 days, or until the merchant completes the processing. However, some merchants can request a longer hold for up to 30 days. If the merchant does not complete the transaction, the amount automatically drops off the system after the requested period ends.
Whilst the authorisation is in place your available credit balance is reduced by that amount, but not the balance owing on the card.
PIN
You can update your PIN through our People First Bank App or online using Online Banking.
Alternatively, you can change your PIN at any People First Bank ATM.
We are also here to assist with PIN changes at your local branch, or call 13 11 82. To complete this process, you will be asked to provide appropriate ID.
Visa has allowed Visa payWave retailers and merchants to ability to waive the need for collecting a signature or PIN for certain purchases, to ensure that using Visa payWave is a convenient way to shop in store. Purchases over a certain amount will still require a PIN or signature to complete a transaction.
The vast majority of PIN pads on point-of-sale terminals have a tactile feature that includes a raised dot on the middle ‘5’ button. This layout will be familiar to most people with vision impairments, and should therefore be easier to use. The primary ‘function’ keys are coloured coded for ease of visibility.
Many PIN pads are designed to be picked up from their holders, to make it easier and more secure for you to enter your PIN. Merchant staff should always be able to help you through the payment process and answer any queries but you should never disclose your PIN to the staff.
You can update your PIN through our People First Bank App or online using Online Banking.
Alternatively, you can change your PIN at any People First Bank ATM.
We are also here to assist with PIN changes by calling 13 11 82. To complete this process, you might be asked a series of identification questions.
Like most PINs or codes you may have it’s best to avoid choosing a PIN that contains repeating characters (4444) or digits in a sequential order (1234). It’s also safer to choose a PIN that no one could easily guess or numbers that represent publicly researchable information such as DOB, postcode, or similar.
All new cards are issued with a PIN. The PIN is generally sent in a separate envelope to the card. If you have lost or forgotten your PIN, you can update your PIN through our People First Bank App or online using Online Banking.
Alternatively, you can change your PIN at any People First Bank ATM.
We are also here to assist with PIN changes by calling 13 11 82. To complete this process, you might be asked a series of identification questions.
A PIN is not required for transactions performed over the internet, phone or mail.
PIN is only applicable when you are physically present at the point-of-sale during the purchase or withdrawing cash from an ATM. There are some circumstances at the physical point-of-sale terminals when a PIN is not required to authorise a transaction, most commonly at contactless terminals.
There are no circumstances in which you should ever reveal your PIN when making a purchase via internet, phone or mail. For these purchases you will be asked to provide your card details and the security number on the reverse of the card. It is important to remember that the security code or CVV is not your PIN nor should you make it your PIN.
A PIN will be required at all point-of-sale terminals in Australia for purchases of goods and services, as well as cash-out transactions unless you are conducting a contactless transaction through payWave, which may not require a PIN.
Yes. The PIN on your card will be the same for purchases and ATM transactions.
Your PIN letter is a separate letter to the one you receive with your card – this is to keep your account secure. Please store your PIN letter in a safe location until your card letter arrives, as you will need it to set up your People First Bank card.
Retain your PIN letter as you will need it to set up your card when it arrives. If you have lost or misplaced your PIN letter, please get in touch.
Visa Secure
Visa Secure and eftpos Secure provide an extra layer of authentication to your online purchases from participating businesses. Each time you make an online purchase with a participating business, Visa Secure or eftpos Secure will check the transaction. Depending on the risk level of the transaction, you may be required to enter in a Verification Code which will be sent to your mobile phone number.
This additional security benefit is provided to you free of charge.
No. Only merchants and retailers that have signed up to the Visa Secure or eftpos Secure service will have this security facility on online transactions.
Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating Visa Secure and eftpos Secure merchant, you may be required to enter in a Verification Code which will be sent to your mobile phone number you have registered with People First Bank to complete the transaction.
Your Visa Secure and eftpos Secure purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.
As you make a purchase online, Visa Secure and eftpos Secure assesses the risk of the transaction based on several factors. In some instances, you may be asked to enter a Verification Code which will be sent to your mobile phone number registered with People First Bank so the card isn't used without your permission.
No. Your Visa Debit and Credit cards are automatically registered for Visa Secure and eftpos Secure, so you'll be protected.
Protection the Visa Secure and eftpos Secure way is simple because you don’t have to remember usernames and passwords. Eftpos If you hold a Visa Debit or Credit Card, you are automatically registered and protected. You will need to make sure your mobile phone number is up to date on your account so you can receive the Verification Code from us.
Click to Pay
Simply link your Visa card via the Click to Pay website. You will be asked to register your full name and email to set up a Click to Pay account, and from there you can link your card to your Click to Pay profile.
For more information about Click to Pay and customer support enquiries please visit the Click to Pay website.
Click to Pay is a streamlined, secure and flexible way to conveniently shop at your computer or on the go. It eliminates the need for card holders to enter card details manually at checkout.
- Streamlined – save time and effort. No need to re-enter your card number or shipping preferences again
- Secure – pay with confidence. Click to Pay combines secure technology and valuable features with reliable customer service
- Flexible – Click to Pay lets you use any major credit or debit card through a single service
For more information about Click to Pay and customer support enquiries please visit the Click to Pay website.
Visa Credit Card
Non interest free withdrawals include:
- Cash withdrawals
- Any transfer from the account
- Corporate cheque withdrawals
Yes. This is still required as the signature on the back of the card will continue to be used for verification in certain situations, such as withdrawing cash at your local branch and travelling abroad to a country where PIN is not available for payment of goods.
You will need to pay the closing balance of your account as it was on the last day of the previous calendar month in full, and once this is done your interest free eligibility will be regained and interest will stop accruing on any purchases that form part of your unpaid daily balance, from the date you make this payment (until your account ceases to be interest free eligible again). This can be done at any time during the month. Interest accrued up until the eligibility is regained will be charged at the end of the month.
Annual Visa Credit Card Fee
$59 per account
- Charged within a month of the account opening and then annually on the anniversary of the account opening month.
- Refer to our Fees & Charges document.
An arrears fee applies to both Credit Card and Overdraft accounts. To avoid this fee, we recommend that you pay your balance owed within 30 days after the previous end of month. If this balance is not paid by this date, 3 days after an SMS is sent in which you have 7 days to pay this outstanding amount, if still in arrears at that point, a fee will be charged.
An overlimit fee is charged where you overdraw your account past an approved credit limit or, if you have no approved limit, overdraw your account. This fee is charged if you remain overdrawn 20 days or more. To avoid this fee, we recommend you monitor your transactions to ensure your account does not become overdrawn and settle any overdrawn balances as soon as possible. Debit interest also applies to overdrawn and overlimit balances. Overlimit fees do not apply to credit card accounts.
A credit limit is the maximum amount that People First Bank has approved for you to borrow.
Credit limits should be carefully monitored to ensure that you do not exceed your designated amount. To ensure that you do not exceed your limit, you may find it helpful to keep a pocket notebook with you to write down your purchases. You can also check balances regularly via Phone Banking or Online Banking, noting sometimes there may be purchases still to be processed to your account.
To increase your credit limit on your card, you’ll need to make an application. Call us on 13 11 82 or visit your nearest branch and we’ll help you get started.
The estimated time to process your application and receive an outcome is 3-5 days.
Visa payWave
Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions without having to swipe or insert the card. You simply wave the Visa card in front of the contactless terminal and go. A PIN may be required at merchant discretion for transactions under $200, and a PIN is required for transactions over $200. It’s that simple.
Yes. The card can still be used, by either swiping or inserting the card and entering a PIN you can complete the transaction. You can still choose to use your PIN if you prefer not to use the payWave functionality if the merchant facility still allows transactions to be made in this way.
There are no fees for setting up or using the payWave feature on your card. However standard fees and charges may apply to our cards or card related transactions. For more information, please refer to our Fees & Charges document.
Yes. Visa payWave is safe:
- You are in control - your contactless card never leaves your hands to make a payment
- No accidental payments - your contactless card must be extremely close to the reader at the checkout to work
- Customers won't be double-charged for the same transaction even if the card touches the reader more than once.
- The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase.
- It is virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.
- You're covered by Visa's Zero Liability policy so you won't be held responsible for fraudulent charges or unauthorised purchases.
It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change.
Contactless payments make small payments as easy as tapping your card.
Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device.
You can keep track of all transactions made using your Visa payWave card by checking your statement or Online Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash. It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more.
All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.
All you need is a Visa card with the payWave feature. People First Bank offers customers a Visa Credit or Debit Card with the payWave feature.
Your Visa Debit or Credit Card should arrive between 7 to 10 business days after you order a card. If you have not received your card after this time, please get in touch.
Merchant Category Controls
Merchant Category Code (MCC) blocking allows customers to restrict usage of a card based on merchant type (at the individual card level).
This allows our customers to easily manage their spending and security options on their cards.
For example, customers can block liquor purchases (bars, pubs, night clubs and liquor stores), or gambling purchases (online gambling, horse & dog racing and other gambling transactions including the purchase of a lottery ticket).
To update your Merchant blocking in your Digital Banking account:
- Click on 'Card controls'
- From there you can select the merchant type to block, using the toggle.
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