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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 December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 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 3% balance transfer fee $30 p.a. Up to 44 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
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
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. 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
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 16 months $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 18 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 18 months $99 p.a. 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
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 up to 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
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a 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% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 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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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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