Queensland Police Credit Union Credit Cards

QCPU

Are you looking for a low rate credit card or one that rewards spending? Queensland Police Credit Union offers both kinds.

Queensland Police Credit Union (QPCU) began operations in 1964, and it offers membership to employees from Queensland police, ambulance, fire, nursing, emergency services, and public sector as well as their family members. Its head office is in Brisbane, and it has branches in Kedron and Oxley. This credit union offers its members an array of financial services and products, which include transaction accounts, savings accounts, term deposits, credit cards, home loans, personal loans, and insurance solutions.

Rates last updated May 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Queensland Police Credit Union Bluey Visa Credit Card
No annual fee card with low ongoing interest rate on purchases.
13.24% p.a. $0 p.a. More info
Queensland Police Credit Union Bluey Rewarder Credit Card
Receive access to a five star Rewarder program, low annual fee and up to 55 days interest free.
17.24% p.a. 48 p.a. More info

Types of credit cards that Queensland Police Credit Union offers

QPCU offers two Visa credit cards and while one comes with a low interest rate the other comes linked to a rewards program.

  • Low rate credit cards

    A low rate credit card comes with the distinct advantage of a low interest rate but might not offer much else in the form of features. The Bluey Visa Credit Card that you can get through QPCU does not attract any annual fee and you can get up to 55 interest-free days on purchases.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Queensland Police Credit Union Bluey Visa Credit Card
13.24% p.a.
Up to 55 days on purchases
$0 p.a.
No annual fee card with low ongoing interest rate on purchases.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

Learn more about Low Rate Credit Cards

  • Rewards credit cards

    When you use a rewards credit card, you can expect to earn reward points in accordance to how much you spend. The Bluey Rewarder Visa Credit Card that QPCU offers comes linked to a rewards program with a difference, offering cardholders great freedom when it comes to redeeming reward points. This card gives you the ability to avail of up to 55 interest-free days on purchases, and it attracts a nominal annual fee.

Rates last updated May 29th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Queensland Police Credit Union Bluey Rewarder Credit Card
Receive access to a five star Rewarder program, low annual fee and up to 55 days interest free.
1 0 48 p.a. More info
Rates last updated May 29th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75 0 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info

Learn more about Rewards Credit Cards

Benefits of using Queensland Police Credit Union credit cards

When you bank with Queensland Police Credit Union, you can look forward to paying reduced fees and charges as well as competitive interest rates, given that, like other credit unions, QPCU diverts its profits into its own functioning. Getting a credit card through QPCU comes with various benefits, which include the following.

  • Easy access to funds

You can use both QPCU credit cards to make in-store purchases as well as for shopping over the phone or online. Millions of merchants across 200 countries accept Visa as a form of payment, so you can use these cards globally. For cash advances, you can turn to any ATM that displays the Visa logo.

  • Rewards with a difference

While most rewards programs give you a limited number of reward options from which to choose, with some even being rather restrictive, Bluey Rewarder Visa Credit Card gives you access to a Rewarder program that comes with almost no restrictions. Your rewarder points accumulate in your rewarder account, and you can redeem these points to make regular purchases at any EFTPOS outlet in Australia.

  • Card security

Queensland Police Credit Union credit card users can look forward to enhanced security because these cards receive additional security protection through ORION, QPCU’s locally based fraud management service provider. ORION monitors suspicious transactions, and should one occur, you receive a phone call immediately. ‘Verified by Visa’ is in place to work as an additional layer of security when you use your card to shop via the Internet.

How to apply for a Queensland Police Credit Union credit card?

You can visit a QPCU branch to apply or you can initiate the process over the phone. To download an application or to apply online, simply click on the ‘Go to Site’ button next to the credit card of your choice. Make sure you meet the following eligibility criteria before you begin with the application.

  • You are a government employee and reside in Queensland
  • Your job involves justice and protection of life and property
  • You are a relative of a QPCU member

The credit card application requires you to part with a host of information which includes the following.

  • Personal details. Start by providing your name, date of birth, marital status, number of dependents, phone number, email address, residential address, and mailing address.
  • Income. This section requires details about income from all sources.
  • Assets. Provide details about assets like real estate, vehicles, savings, and investments.
  • Expenses. Examples of expenses include utility bills, fuel, food, and school fees.
  • Liabilities. You have to provide details about existing loans, credit cards, store cards, and any other form of credit.

What happens next?

If Queensland Police Credit Union requires any additional information after you submit your application a QPCU rep will contact you. You can expect QPCU to make an income verification call to your employer. You’ll have to become a QPCU member before you receive your card, that is, if you’re not an existing member. In this scenario, you’ll also have to go through a legally required identity verification process.

Frequently asked questions

Here, you’ll find answers to frequently asked questions about Queensland Police Credit Union credit cards, and you can leave a question using the form at the end of this page.

The online application should take around 10 to 15 minutes to complete, as long as you have all the required information at hand when you start. You have the option of saving your application in between, and you can access it again for up to 60 days.

Yes, you can check your application’s status online or by calling QPCU on 13 77 28.

You, as a primary cardholder, can ask QPCU to issue an additional for any individual over the age of 16 years. QPCU does not have to oblige to your request, and it may impose certain conditions when it comes to using the additional card.

The minimum and maximum credit limits of these Visa credit cards are $1,000 and $25,000, respectively. You can apply for an increase in your card’s credit limit but QPCU does not have to agree. If QPCU feels your existing financial condition does not justify an increase, it will decline your request.

You can make payments towards your credit card using QPCU internet or mobile banking platforms, at any time. You can call QPCU on 13 77 28 at any time and make payments by transferring funds from a QPCU account. You can set up automatic repayments using a nominated QPCU savings account, and if your pay credits to a QPCU savings account you can also set up automatic payroll deduction. You can make payments by visiting any Westpac branch and you can make payments via Bank@Post. You also have the option of mailing cheques.

No, enrolment into this program is free for Bluey Rewarder Visa cardholders.

Your credit card statement tells you how many points you have and you can also turn to the Rewarder website to check.

These points don’t expire as long as an account is active and in good standing.

You earn reward points when you use your Bluey Rewarder credit card to make purchases, and this includes purchases made in foreign currency.

The points that accumulate in your rewarder account convert into dollar value. You can use your rewarder card to make purchases at any merchant in Australia who accepts payments via EFTPOS.

While you can use your reward points at EFTPOS terminals for making purchases, you cannot get cash out, and you cannot withdraw your reward points using ATMs.

To report a lost or stolen credit card during business hours call QPCU on 13 77 28. Outside business hours you should call the Visa hotline on 1800 621 199. If you call the Visa hotline, inform QPCU of the same as soon as possible.

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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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