Comparing cards from the customer-owned organisation that helps hardworking regional Queenslanders enjoy a good life
Comparison of QCCU Credit Cards
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.
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.
