Queenslanders Credit Union Visa Credit Card

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Save with a low interest rate and competitive annual fee with the Queenslanders Credit Union Visa credit card.

The Queenslanders Credit Union Visa credit card combines a low 13.2% purchase interest rate with a $39 annual fee. If you want to reward your spending, you can also opt into the Rewarder program to earn points for a fee. You can also take advantage of exclusive offers through Visa Entertainment and shop with peace of mind thanks to Visa Zero Liability protection.


Product NameQueenslanders 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 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.
Card TypeVisa
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$39 p.a.
Minimum Monthly Repayment3% of the outstanding balance or $20, whichever is greater
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

Benefits of the Queenslanders Credit Union Visa Credit Card

  • Low interest rate. Your purchases and cash advance transactions will attract the 13.2% interest rate.
  • Rewards. You can opt into the Rewarders program for $58 per year. You'll earn 1 Loyalty Point per $1 spent on eligible transactions in Australia and overseas. Your points are capped at 10,000 Loyalty Points per month. You can redeem your Loyalty Points to pay for all or part of your purchase at any merchants that accept the card and offer eftpos facilities. 150 Loyalty Points is worth $1. Considering the monthly points cap, you can $66 off per month.
  • Visa perks. You can use your card at over 1.4 million ATMs and 29 million merchants wherever Visa is accepted. Your purchases will be protected by Visa Zero Liability protection cover. You can also access exclusive offers and pre-sale tickets through Visa Entertainment.

Features of the Queenslanders Credit Union Visa Credit Card

  • Annual fee. This card charges a $39 annual fee.
  • Interest-free days. When you pay your balance in full by the statement due date, you can take advantage of up to 55 interest-free days.
  • Card design. You can showcase your loyalty to the North Queensland Cowboys with a limited edition card design.
  • Additional cardholder. You can request additional cardholders for free. They must be at least 16 years old and the primary cardholder will be liable for all transactions made with the card.

How to apply for the Queenslanders Credit Union Visa Credit Card

You can apply for the Queenslanders Credit Union Visa credit card online, but you'll need to meet the following eligibility requirements and provide the following details to complete the application:

Eligibility criteria

  • Employment. You must currently be in paid employment.
  • Residency. You are an Australian citizen or permanent Australian resident.
  • Credit history. You'll need to have a good credit history with no evidence of bankruptcy.
  • Age. This card is only available to applicants who are at least 18 years of age.

Documents and information to provide

  • Personal information. Including your full name, date of birth, residential status, marital status, number of dependents and contact details.
  • Proof of identification. Such as your Australian drivers licence, Medicare card or passport.
  • Finances. You'll need to include your after tax income, the frequency of your income as well as details regarding any assets or liabilities.
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