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 April 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Queenslanders Credit Union Low Rate Mastercard
12.99% p.a.
0% p.a. for 12 months
$49 p.a.
Receive up to 55 days interest-free on purchases, complimentary purchase cover insurance and a guaranteed pricing scheme.
Queenslanders Credit Union Platinum Rewards Mastercard
20.24% p.a.
0% p.a. for 14 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn 20,000 bonus reward points when you spend $3,000 in the first 3 months and receive a range of complimentary insurance covers.

Compare up to 4 providers

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 12 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.

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.

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.

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