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Quay Credit Union Credit Cards

Comparing the credit union where bank employees go for lower interest rates and personalised service.

Quay Credit Union has been providing banking services to its members for more than 42 years, offering a high level of service and a range of great value products. A customer-owned credit union, their members are largely financial services professionals, including senior bank management, after a merger of AMP Credit Union and GIO Staff Credit Union.

They offer most of the services found at major banks, but with the difference that Quay Credit Union exists solely to support its members. Profits are reinvested to provide members with even better rates and products, lower fees and more personalised service.

From 1 September 2016, Quay Credit Union will merge with G&C Mutual Bank. Quay Credit Union will no longer offer new products and all existing customers will become members of G&C Mutual Bank. The information on this page has been kept for the benefit of existing customers and for those who are interested.Please visit our Low Rate Credit Card comparison guide for more options.

Types of credit cards from Quay Credit Union Visa

  • Low rate credit cards

These credit cards come with various benefits, the main one being the access you have to low interest credit. Quay Credit Union’s Visa Credit Card also offers additional features, including a competitive balance transfer offer, up to 55 days interest-free on purchases and $0 annual fee for the first year.

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info

Learn more about Low Rate Credit Cards

The benefits of banking with Quay Credit Union

Banking with Quay CU comes with various benefits.

  • Save with competitive rates and fees

Quay Credit Union credit cards offer competitive rates all round. Cardholders enjoy a 7.99% p.a. ongoing rate on purchases as well as a low balance transfer rate of 0% p.a. for 6 months. There is also a waived annual fee for the first year, which changes to a low $36 for every year following.

  • Convenient banking

Quay CU gives you convenient ways to pay with your card, and convenient ways to bank with their range of banking products and services. Make repayments via payroll deduction, bank transfer or external bank transfer. You also have access to your account via phone banking, mobile banking and Internet banking services.

  • Visa benefits

Paying with Visa payWave allows you to wave and go for transactions under $100, saving you valuable time. Your Quay Credit Union credit card also gives you access to the Verified by Visa service, that offers you more security when you shop online. Exclusive offers are on the table as well with the Visa Entertainment Service.

How to apply for a Quay Credit Union Visa Credit Card

Applying is easy. An online application only usually takes around 15 to 20 minutes to complete and conditional approval can usually be given within 24 hours.

Eligibility criteria

  • You must be over the age of 18
  • You must be a permanent resident of Australia and be employed for more than 20 hours a week.

Required documents

  • Your personal details.
  • Proof of income
  • Details of any loans, credit cards and expenses you may have
  • Information regarding any assets that you own

Frequently asked questions

The following are some of the most frequently asked questions about Quay Credit Union Visa Credit Cards. If you can’t see an answer to your question here, just send us a query using the form at the bottom of this page.

What is the Visa Entertainment Service?

The Visa Entertainment Service is a service provided to Visa cardholders offering unique and exclusive entertainment discounts in partnership with organisations such as Disney, Sony and Ticketek.

Do I have to be a member to take out a Quay Credit Union Visa Credit Card?

Yes, you’ll need to be a member in order to be issued a Quay Credit Union card.

How do I increase my credit limit on my Quay Credit Union Visa Credit Card?

Just download and complete a new credit card application or complete it and send it to Quay Credit Union online.

Can I assign an additional cardholder?

Yes. They don’t have to be a member of Quay Credit Union, but they must be over 18 years of age and an additional cardholder fee will apply.

How much will the minimum monthly repayments be on my Quay Credit Union Visa Credit Card?

The minimum monthly payment is 5% of the outstanding balance or $20.00, whichever is greater. 

What happens if I forget my PIN number?

If you forget your PIN number you will need to get in contact with Quay CU to organise a replacement card. This is because your card and PIN are tied, so a new PIN and card will need to be issued together. A replacement card fee will apply.

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Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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