Queensland Country Credit Union Credit Cards

QCCU

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 August 19th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Queensland Country Credit Union Visa Credit Card
13.20% p.a.
$39 p.a.
Receive up to 55 days interest-free on purchases, access to the Great Rewarder program and the ability to pay with payWave.

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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.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.

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

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

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).

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.

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.

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

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.

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

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

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