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 merged with G&C Mutual Bank. Quay Credit Union no longer offers new products and all existing customers 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.
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.
