Queensland Country Credit Union Visa Credit Card

The Queensland Country Credit Union Visa credit card is an excellent choice in credit cards. Because it is attached to the Queensland Country Credit Union, you will have access to excellent rates that are generally more competitive than other rates from traditional banks.

And, since it is a Visa, you will be in the company of over 1.5 billion card members from around the globe. There is no other card that has as many members.

Product NameQueensland Country Credit Union Visa Credit Card
Rewards ProgramRewarder Rewards Program
Purchase rate (p.a.)13.20% p.a.
Annual fee$39 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)13.20% p.a.
Card TypeVisa
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$39 p.a.
Overseas ATM Withdrawal Fee$4
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Rewards ProgramRewarder Rewards Program
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) Cap10,000
Rewards Points per $ spent (AMEX)0

Features of the Queensland Country Credit Union Visa Credit Card

Every credit card is a little different so it is important that you find the card that is going to be most suited to your needs. Here are some highlights of what you will find with this card:

  • You choose your design - Everyone has different tastes and aesthetics. That is why Queensland Country Credit Union lets YOU decide what kind of card you would like. You can choose from several different types of cards. There are Broncos and Cowboys Supporter cards and also cards that feature your favourite team from the NRL.
  • Interest free days - Paying interest is usually not something many consumers are interested in doing so you have up to 55 days to pay off your balance without incurring any interest charges.
  • Low standard rate - Many other cards have an introductory rate to reel you in but when it reverts back to the standard rate you are left high and dry. This standard rate is low and stays low at 13.20% p.a.
  • Low annual fee - You do not have to worry about shelling out hundreds of dollars for an annual fee here. The fee is low at $39 p.a. which is a bargain for all you receive.
  • Rewards program - This is not a bare-bones card with no frills. The rewards program attached to this card is different and puts control back into the hands of the cardholder. The Rewarder program lets you decide how you want to spend your rewards.
  • Additional cards for free - Need an extra card for your spouse or other family members? Not a problem! You can receive additional cards for your use at no extra cost.
  • Balance transfers - Some cards do not allow you to do balance transfers but not this one! You can take your high-interest balances from other cards and consolidate them onto this card and save a lot of money in the interim.
  • Visa Entertainment - Having a Visa card has its benefits. When you are part of the brand, you have exclusive access to services and offers not afforded to other credit card brands. Visa Entertainment will send you notices of special offers and tickets for events and functions in your area and around the world.

The Rewarder Program

Anyone who has had a credit card with a rewards program will understand some of the frustrations that come along with it. You will receive offers to purchase somewhat useless items and you end up feeling a bit cheated. That is not the case with the Rewarder Program. You are finally in control of how you want to reward yourself.

You are earning points each time you use your card and those dollars are converted into cash which is then credited onto your card. You choose what you want to spend those reward dollars on. If you want to go out to dinner, buy an iPad or fill your tank with petrol, the choice is yours!

When you are ready to use your rewards dollars, just be sure that the place that you want to purchase from has an EFTPOS terminal. If there is one then you are set to go!

How To Apply

There are several different ways that you can apply for the card. You can apply online or you can download the application from the website and take it into a local branch. Or, you can fax the application to (07) 4779 2910. If you want to send by post, you can mail it to PO Box 679, Aitkenvale, QLD 4814

A low rate, great rewards program and excellent features are all part of this fantastic credit card.

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Credit Cards Comparison

Rates last updated October 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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