Queenslanders Credit Union Credit Cards

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Compare feature packed low rate and platinum MasterCards for Queenslanders

Queenslanders Credit Union is a popular and trusted name in Queensland banking. This financial institution is owned by its members — the customers. Apply and get approved for a Queenslanders Credit Union credit card and not only do you get a MasterCard credit card, you also get a share of the business and a say in how the credit union is run.

Credit cards, insurance, accounts, loans and more, Queenslanders Credit Union is a full service credit union. Choose between two credit cards: a low rate and a platinum MasterCard. Both cards offer a lot for what they charge. The low rate MasterCard comes with a couple of purchase insurances to protect items you buy with your MasterCard. This is a welcome but unusual inclusion for a type of product that is usually seen as just a cheap way to make purchases. We’ve put Queenslanders Credit Union credit cards side by side with credit cards from other providers so you can compare offers to find yourself the card that matches your needs.

Comparison of Queenslanders Credit Cards

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Queenslanders Credit Union Low Rate MasterCard
A low rate card with a low interest rate of 12.99% p.a. on purchases.
12.99% p.a. 0% p.a. for 9 months $49 p.a. More info
Queenslanders Credit Union Platinum MasterCard
Earn reward points per $1 spent and enjoy generous credit limits.
20.24% p.a. 0% p.a. for 14 months $159 p.a. More info

What are the types of Queenslanders Credit Union credit cards?

Queenslanders Credit Union offer two credit cards. The low rate credit card gives you an inexpensive way to make card purchases, the platinum credit card offers rewards and insurance. Compare Queenslanders Credit Union credit cards by card type to see how their low rate and platinum credit card stack up against the rest of the market.

  • Low rate credit cards

Ideal if you end up carrying a balance from month to month, compare low rate credit cards by the annual fee and the number of interest free days on offer. Interest free days don’t apply if you’re carrying a balance — like if you took up the 0% p.a. for 9 month balance transfer offer on the Queenslanders Credit Union Low Rate MasterCard for example — interest is charged right away. Low rate credit cards are cheap to use compared to a platinum or frequent flyer credit card. If interest is charged, you won’t pay as much.

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Queenslanders Credit Union Low Rate MasterCard
A low rate card with a low interest rate of 12.99% p.a. on purchases.
12.99% p.a. 0% p.a. for 9 months $49 p.a. Up to 55 days on purchases More info
Rates last updated December 11th, 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.
12.99% 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

  • Platinum credit cards

Do you want a little extra and don’t mind paying for it? Compare platinum credit cards. Although you’ll find the interest rates and annual fee are higher than other products, these cards usually reward you with points when you spend as have the full suite of insurance covers. The annual fee is the main consideration. Platinum credit cards also generally come with interest free days, you can avoid paying the purchase rate if you clear your balance at the end of the month. These cards works well if you’re disciplined about how you use your card.

Rates last updated December 11th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Queenslanders Credit Union Platinum MasterCard
Earn reward points per $1 spent and enjoy generous credit limits.
20,000 bonus points VISA/MC: 1 AMEX: 0 20.24% p.a. 0% p.a. for 14 months $159 p.a. More info
Rates last updated December 11th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
75,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
60,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. $199 p.a. 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.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. 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.
VISA/MC: 0 AMEX: 0 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info

Learn more about platinum credit cards

The benefits of banking with  Queenslanders Credit Union

There are some pretty good reasons to bank with the Queenslanders Credit Union.

  • Queenslanders Credit Union NetBanking

Queensland is a big state, don’t waste your time driving to a branch. Make payments, view statements and keep track of your finances from the comfort of your home by using Queenslanders Credit Union NetBanking. Manage your Queenslanders Credit Union credit card at the touch of a button anytime of the day from anywhere in the world.

  • Free ATM withdrawals — rediATM network

Use your Queenslanders Credit Union MasterCard at any rediATM in Australia for free. There are over 3,000 rediATMs across Australia, rediATM are one of the nation’s largest ATM networks.

  • The credit union difference

Queenslanders Credit Union really is a financial institution for Queenslanders owned by Queenslanders. Because the credit union is owned by its customers not shareholders, any profit comes back to members in the form of products with lower rates and fees and more value adding features.

How to apply for a  Queenslanders Credit Union credit card

Apply for a Queenslanders Credit Union credit card online or in person by visiting a branch. The online application is a simple process that only takes about 10-15 minutes to complete. You will need payslips and a valid form of identification like a driver’s licence to complete the online application; however, you can also verify your identity after the application has been submitted.

Information needed for a Queenslanders Credit Union credit card application

As well as identification and payslips, you’ll need to provide information about the following to complete the online application.

  • Personal details. Basic personal information is required to complete a Queenslanders Credit Union credit card application. You have the option of providing your driver’s licence number to verify your identity when you apply. If you don’t enter it, or you don’t have a driver’s licence, you’ll need to verify your identity using another form of I.D after you submit the application (see what happens next). You will also need to give information about a friend who is not living with you to help Queenslanders Credit Union find you if you can’t be contacted after submitting the application. If you wish to apply for an additional cardholder, have the details of the supplementary cardholder on hand as well.
  • Financial information. Select your occupation and your industry and enter your employer’s contact information. Also having information about your income and personal expenses on hand. There’s space to list your gross salary and other gross income as well as your share of ongoing expenses, like food and rent for example. If you want to take up the Queenslanders Credit Union balance transfer offer, have the details of the account(s) you wish to transfer from ready. If you have other loans, you will need to enter the outstanding balance and your monthly repayments too.

What happens next?

Once you’ve completed the Queenslanders Credit Union credit card application you may need to verify your identity if you were unable to provide sufficient identification during the application. This can be done by faxing, uploading scanning and emailing or mailing a copy of your driver’s licence, proof of address (utility bill), passport or medicare card. And you also need to verify your income. Provide your two months payslips or tax returns, your employment contract or your superannuation fund statement. Once these documents have been  received, your application can be processed and you should have your credit card within 7-14 business days.

Frequently asked questions

Do you have a question about Queenslanders Credit Union credit cards? Check out the FAQs for an answer. If you want to get in touch with a finder.com.au team member, ask us a question using the form below.

How do I do a balance transfer?

To take advantage of the money saving balance transfer offer on Queenslander Credit Union credit card, you need to enter the details of the accounts you wish to include in a balance transfer when you first apply for the credit card. You can transfer form up to four non-Queenslander Credit Union store cards, charge cards or credit cards.

There are some things you should be aware of when you transfer a balance. Keep the following in mind:

  • Although you can transfer form up to four non-Queenslanders Credit Union card, the maximum balance transfer amount is up to 80% of your available credit limit of your credit limit on your Queenslanders Credit Union credit card.
  • The order you enter the accounts on to the application is the order they will be processed by the credit union.
  • At the end of the balance transfer promotional period, any balance transfer balance you have not paid back will be charged at the cash advance rate of interest.
  • You don't get any interest free days on purchases if you’re paying back a balance transfer balance over a number of months.
  • It’s your responsibility to close any old accounts once the balance transfer has been processed.

Once your application for a Queenslanders Credit Union credit card has been approved, you balance transfer request will be automatically processed.

What is my credit limit?

The credit limit on your Queenslanders Credit Union credit card is based on how much you earn and the size of your ongoing expenses. When you apply, you can elect to get the maximum credit limit available to you or you can choose a specific credit limit.

You can increase your credit limit by contacting the credit union any time after you’ve activated your credit card. Conditions may apply.

How do I get ‘up to’ Interest free days?

‘Up to’ interest free days is a credit card feature that allows you to make interest free purchases when you pay your balance off in full when your statement is issued. To get interest free days on Queenslander Credit Union credit cards make sure you pay your card balance in full for two consecutive months.

Interest free days do not apply if you carry out a cash transaction like withdrawing cash. And interest free days do not apply if you’re carrying a balance transfer balance on your credit card.

What’s the minimum repayment on my Queenslander Credit Union credit card?

Every credit card has a minimum amount you must pay off your outstanding balance each month. This is known as the minimum monthly repayment. The minimum monthly repayment is displayed on your Queenslanders Credit Union credit card statement. The statement also shows you how long it will take to clear your balance if you only make the minimum repayment — sometimes it can take years to clear your balance.

The minimum repayment is usually a small percentage of your total outstanding balance or a dollar amount. For example 2.00% of your total balance or $30, whichever is greater. If you fail to make the minimum repayment on time, you will be charged a late payment fee and it may impact your credit file.

How can I make a repayment to my Queenslander Credit Union credit card?

Have a look at your Queenslander Credit Union credit card statement for detailed information about how to make a repayment. You can make a payment to your credit card using these methods:

  • At a branch - Pay your credit card in person by visiting a Queenslanders Credit Union branch. There are bricks and mortar locations around Brisbane, Ipswich and Townsville.
  • BPAY - Log on to your non-Queenslanders Credit Union internet banking facility banking and pay your credit card using BPAY. The BPAY biller code is shown on your statement and the customer reference number is the 16 digit Queenslanders Credit Union credit card number.
  • EFT -  You can also carry out a bank to bank transfer if you have a Queenslander Credit Union transaction account. The BSB is 804-059.
  • Bank@Post - You can also pay your credit card at an Australia Post retail outlet using Bank@Post.
  • By cheque - Send a cheque to the Queenslanders Credit Union postal address to make a payment to your credit card. This information is provided on your credit card statement.

How do I get a second card for a family member?

If you would like to get a supplementary Queenslanders Credit Union credit card for a family member, you can add an additional card to your account when you first apply for the credit card. You can also add an additional card to an existing Queenslanders Credit Union account by completing an additional cardholder form.

Remember that the primary cardholder is liable for all spending on the additional cards, and the credit limit is shared between all supplementary cards. The additional cardholder must be over the age of 16.

How do I register for NetBanking?

Online banking is a great way to manage your credit card without actually having to visit a branch. You can make payments, view statements and keep on eye on your account anywhere in the world at any time of the day so long as you’re connected to the internet.

To register your Queenslander Credit Union credit card for NetBanking call the credit union on 1800 177 278 or complete the form for NetBanking registration on the Queenslander Credit Union website.

How do I activate the complimentary insurance on my Queenslander Credit Union Platinum MasterCard?

If you’re a Platinum MasterCard account holder, you’re eligible to receive complimentary international travel insurance when you charge the cost of your overseas travel ticket to your account. You’re also eligible for cover if you purchase your overseas travel ticket through the Card Services Take Flight Program.

Your spouse and dependent children are also eligible for cover if their tickets were purchased using the above methods and they’re travelling with your for the entire length of your journey.

Once the activation requirements have been met, the cover is automatically applied and starts when you depart the country.

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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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