Save with a low purchase interest rate and earn points as you spend.
The Queensland Country Credit Union Visa credit card is suited to cardholders who want to reward their spending while saving on interest rates and annual fees. If you opt to join the Great Rewarder program, you'll earn points per $1 spent which you can then redeem for cashback to your account.
| Product Name | Queensland Country Credit Union Visa Credit Card |
|---|---|
| Rewards Program | Rewarder Rewards Program |
| Purchase rate (p.a.) | 13.20% p.a. |
| Annual fee | $39 p.a. |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 13.20% p.a. |
| Min credit limit This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure. | $500 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (VISA) Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 1.5% of transaction value |
| Complimentary Travel Insurance | No |
| Minimum Age | 18 years of age |
|---|---|
| Available To Temporary Residents | No |
| Joint Application | No |
| Annual fee | $39 p.a. |
|---|---|
| Minimum Monthly Repayment | 3% of the outstanding balance or $20, whichever is greater |
| Foreign Currency Conversion Fee (VISA) Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 1.5% of transaction value |
| Overseas ATM Withdrawal Fee | $4 |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 |
| Rewards Program | Rewarder Rewards Program |
|---|---|
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | 10,000 |
| Rewards Points per $ spent (AMEX) | 0 |
Benefits of the Queensland Country Credit Union Visa Credit Card
- Competitive purchase rate. This card charges a low variable 13.2% p.a. purchase interest rate.
- Rewards program. You'll earn 1 per $1 spent on eligible transactions up to 10,000 points per month. Your points are automatically credited to your Rewarder account on a monthly basis and then converted into a dollar amount. As an example, if you accumulated 24,000 Rewarder Points over 12 months, you would then have $160 to spend using your Rewarder Loyalty card.
- Cowboys NRL card design. You can show your NRL pride every time you spend with a limited edition North Queensland Cowboys card design available.
- Visa perks. You can use your card at over 1.4 million ATMs and 29 million merchants wherever Visa is accepted. You'll also access exclusive offers and pre-sale tickets to events with Visa Entertainment.
Rates, fees and other features
- Annual fee. This card charges a $39 annual fee. Remember that an additional annual fee applies if you sign up for the rewards program.
- Cash advances. If you use your card to make a cash advance, such as an ATM withdrawal, you'll be charged the 13.2% p.a. cash advance interest rate.
- Interest-free days. If you pay your balance in full by the statement due date, you can take advantage of up to 55 interest-free days on purchases.
- Additional cards. You can manage family spending or earn more points when you link additional cards to the account at no extra cost.
- Security. Your account is protected from fraudulent transactions thanks to Visa Zero Liability.
How to apply
You can apply for the Queensland Country Credit Union Visa Credit Card online in 20 to 30 minutes, as long as you meet the eligibility criteria.
Eligibility criteria
- Age. You must be at least 18 years old to apply.
- Residency. This card is only available to Australian citizens and permanent Australian residents.
- Employment. You must currently be in paid employment.
- Credit history. You'll need a good credit history with no evidence of bankruptcy.
Necessary information and documents
- Personal details. This includes your full name, residential address, contact details, marital status and number of financial dependents.
- Identification. You'll need to verify your identity by supplying copies of your driver's licence, passport or Medicare card.
- Employment. Confirm your current place of employment and annual after-tax income. You may need to confirm this with recent payslips or bank statements.
- Finances. You'll also need to include information regarding any assets or liabilities you may have.
