ECU Credit Cards


Get a low rate Visa credit card from ECU and look forward to using it anywhere in the world.

ECU began operations in 1973, in the form of C.R.E.B. Credit Union Ltd, to service members from the Cairns Regional Electricity Board, and it got its first full-time employee only in 1976.

By 1979 it started offerings its services to North Queensland Electricity Board employees and their families, as well as Queensland Electricity Generating Board employees from the northern region.

In the next decade or so it went on to include Mackay Electricity Board, Capricornia Electricity Board, Wide Bay-Burnett Electricity Board, South West Queensland Electricity Board, and South East Coast Queensland Electricity Board. A 1997 constitutional amendment made it possible for any consumer of electricity to become a member.

This credit union offers its members an array of financial services and products, which include savings, access, and investment accounts; home, car, and personal loans; home, car, and travel insurance; and credit cards.

A Division of Queensland Country Credit Union

ECU is a division of Queensland Country Credit Union. Information about credit cards issued by Queensland Country Credit Union can be found here.

Types of ECU credit cards

ECU offers two VISA cards; one is a debit card, and the other is a low rate credit card. The credit card is one you can use to good effect, at EFTPOS terminals and ATMs alike, without worrying about paying excessive fees or charges.

  • Low rate cards

A number of financial institutions offer credit cards with low interest rates, and these cards don’t normally offer extras like rewards and complimentary insurance covers. By using the ECU Low Rate Visa Credit Card in the right manner you can get up to 55 interest free days on purchases. What also helps is that there is a single low rate for purchases and cash advances.

Learn more about low rate credit cards

Benefits of using ECU credit cards

If you’re not looking for too much in the form of features, you can definitely benefit through ECU credit card’s low interest rate and fees, and there’s more to look forward to as well.

  • Service fee exemption

ECU credit cards attract an annual fee, which you have to pay in monthly instalments, and ECU waives this fee for its home loan members as well as additional card holders. You can also qualify for a service fee exemption if you meet any of the following criteria.

    • You maintain an average monthly credit balance of $500 in a Mortgage Eliminator, Business Flexi, or Everyday Access account.
    • You are an ECU member and have an ECU loan that exceeds $10,000.
    • You are an ECU member and have a ECU term deposit in excess of $10,000.
  • Advantages of Visa

ECU Visa credit cards make use of Visa payWave technology. When you make a purchase of up to $100 at a merchant who supports this technology you don’t have to sign a receipt or enter a pin, you simply wave your card across the terminal and make a contactless payment. Visa's Zero Liability offers peace of mind against misuse of your card, and the Verified by Visa service is in place to work as an additional layer of security for when you use your card to make online purchases.

  • Access account information at any time

While you have the option to walk in to an ECU branch to get information about your credit card account, you also have the option to access just about any kind of information at any time. You can do this through ECU’s eTeller Internet Banking platform or through its Telelink Phone Banking service.

Applying for an ECU credit card

One way to apply for an ECU credit card is to visit a branch, where you can expect a member of its lending team to guide you through the entire process. You can call ECU on 1800 383 791 to complete your application over the phone, and to complete and submit an online application simply click on the ‘Go to Site’ button alongside the description of the credit card. Before you apply establish if you meet the eligibility criteria. You should be an Australian citizen or a permanent resident of Australia, you should be at least 18 years old, you should not have poor creditworthiness, and you should meet minimum income requirements.

The application requires you to part with different kinds of information, so make sure you keep the following information close at hand.

  • Personal details. These include your complete name, residential address, phone number, email address, marital status, number of dependent children, and contact details of a relative who does not live with you.
  • Employment details. This section requires your employer’s name and contact details.
  • Financial information. The income you declare should be from all sources, and you should include a list of your assets like home equity, vehicles, savings, and investments. Your liabilities include home loans, car loans, personal loans, credit cards, store cards, lines of credit, and overdrafts. You also have to provide details about your regular expenses.
  • Additional cardholder information. If you’re applying for an additional card, this is a good time to provide all relevant information.

What happens next?

Once you submit your application, ECU reviews it, and it might get in touch with you if it requires any more information. Employed individuals can do their bit in speeding things along by informing their payroll department of ECU’s impending call to verify income details. Individuals who’re new with ECU have to complete an identity verification process, which is required as per law.

Frequently asked questions

Given below are answers to questions that people commonly ask about ECU credit cards. If you can’t find an answer you’re looking for, use the form at the end of the page to ask your question.

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