Queensland Country Credit Union Credit Cards


Comparing cards from the customer-owned organisation that helps hardworking regional Queenslanders enjoy a good life

Queensland Country Credit Union is an independent, customer-owned organisation that puts Queenslanders first. A one-stop shop for a full range of financial services including banking and insurance, QCCU has nearly 60,000 members and 23 branches across regional Queensland. Their offices stretch all the way from Weipa in the north to Mount Isa in the west and Stanthorpe in the south, and they pride themselves in helping regional Queenslanders achieve their goals in life. One way they do this is with their Visa Credit Card.

Comparison of QCCU Credit Cards

Rates last updated October 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Queensland Country Credit Union Visa Credit Card
Low interest rate and up to 55 days of interest free plus a low annual fee of $39 p.a.
13.20% p.a. $39 p.a. More info

Types of Country Credit Union credit cards

  • Low rate and rewards credit card

If you’re looking to be rewarded for your credit card spending, then a credit union rewards credit card could be a low cost option to consider. The Queensland Country Visa Credit Card has everything you need in a credit card and more. It offers low interest rate, up to 55 days interest-free and access to a rewards program. It also offers the freedom and security to make purchases over the phone, online or from any retail outlet in any country where Visa is accepted.

Rates last updated October 27th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Queensland Country Credit Union Visa Credit Card
Low interest rate and up to 55 days of interest free plus a low annual fee of $39 p.a.
0 1 $39 p.a. More info
Rates last updated October 27th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Gold Business Card
Keep track of your business expenses with a dedicated business credit card. Your account details can be uploaded in to MYOB, Excel or Quicken to help with BAS reporting.
1 0 10,000 bonus points $169 p.a. Go to site More info

Learn more about gold credit cards

The benefits of banking with QCCU

There are various advantages that come banking with Queensland Country Credit Union. Take a look at what you stand to benefit from:

  • The credit union difference

When you bank with Queensland Country Credit Union, you benefit from knowing that, as a customer-owned bank, their focus is entirely on you. They offer a level of personalised service you won’t find anywhere else and their sole aim is to help regional Queenslanders enjoy a better life. As they reinvest profits back into the organisation, they’re able to offer competitive products and services like the Visa Credit Card.

  • Rewarder

Unlike some rewards programs, Rewarder is a program where you actually benefit from it every day. That’s because every purchase you make on your Queensland Country Visa Credit Card accumulates points that are then converted into real dollars. These are stored on your Rewarder card and can be redeemed at any EFTPOS terminals across Australia and spent on anything you like.

  • Visa benefits

As QCCU offers a Visa card, when you use this card you’ll stand to benefit from various additional features. Visa Entertainment gives you exclusive access to things like presale tickets to concerts and events, while Visa Zero Liability monitors your account for fraudulent use and charges.

How to apply for a Queensland Country Visa Credit Card

Ready to apply for a QCCU Visa Credit Card? You can apply online, at any QCCU branch or by calling the credit union directly. You’ll need the following information for your application:

  • Queensland Country Credit Union membership details (you can join at any branch)
  • Statements of any credit, store or charge cards or other current debts or loans for the last six months
  • Pay slips for the last four weeks or your income tax returns and assessments for the last two years
  • If you’re self-employed, your tax return, profit and loss statements and balance sheets for the last two years will be required.

Frequently asked questions

Here are a few of the most frequently asked questions about Queensland Country Visa Credit Cards. If you can’t find an answer to your question here, simply send us your query using the form at the bottom of this page.

Who is eligible for a Queensland Country Visa Credit Card?

Australian permanent residents over 18 years of age who are currently residing in Australia.

How do I know my information is secure?

Your application is encrypted through the Queensland Country Credit Union website to protect it from unauthorised access.

What is the interest rate charged on a Queensland Country Visa Credit Card?

The current interest rate is a low 13.20% p.a., and that’s for both purchases and cash advances (many banks charge up to 10% more for cash advances).

What does 'up to 55 days interest-free' mean?

It means that if you pay your credit card in full each month and don’t withdraw any cash, you can avoid paying interest on your purchases entirely for that period. The actual amount of days you receive interest-free depends on when you make the purchase during the period.

What does Visa Zero Liability mean?

It means you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information when you use the credit function.

What do I do if my Queensland Country Visa Credit Card is lost or stolen?

Contact your local QCCU branch during business hours. If outside of business hours, call the after hours number provided on the QCCU website.

How does my credit card spending convert into Rewarder dollars?

Every time you make a purchase on your Queensland Country Visa Credit Card, the points are automatically transferred onto your Rewarder card. QCCU then converts your points into a dollar value, which you can spend wherever you like.

How can I spend my Rewarder dollars?

Just purchase something from any merchant in Australia with an EFTPOS terminal (note: you cannot withdraw from an ATM or EFTPOS cash out facility).

How can I tell how many points I have earned?

Simply login into the Rewarder website and enter your card details or contact your local QCCU branch.

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Credit Cards Comparison

Rates last updated October 27th, 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
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
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 3% balance transfer fee $59 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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