Queensland Country Bank credit cards

Both credit card options from Queensland Country Credit Union come with 55 interest free days. This means that you’ve got up to 55 days to pay off your credit card balance before being charged interest on it.

Each card also comes with an annual fee - a quite low one for the classic credit card, while a rewards card will pack a slightly bigger punch. You’ll also be up for cash advance fees if you hit the ATM and foreign exchange fees if you carry your Queensland Country Credit Union card with you on your overseas holidays. External transfers will also attract a fee.

The good news with a credit card from Queensland Country Credit Union, is that the cash advance fee won’t seem like such a big hurdle when you consider that the cash advance rate, which is usually very high, is the same as the low purchase rate for both cards. That’s sure to make a trip to the ATM less of a chore!

Each month, your credit card statement will give you the minimum amount you need to pay off. On either Queensland Country Credit Union credit card, it will be the highest of $20 or 3% of your credit card balance. If your balance is less than $20, you’ll have to pay the whole amount.

No. Unfortunately, the credit cards on offer from Queensland Country Credit Union don’t come with the option to do a balance transfer. So, to manage your credit card balance by taking advantage of a great balance transfer offer, check out our balance transfer credit card comparison to find the best one for you.

Yes! Queensland Country Credit Union credit cards work on the VISA network, which is accessible all around the world. Just remember to budget for foreign exchange fees, and keep an eye on foreign exchange rates!

Yep. VISA’s payWave system is designed to let you Tap ‘n’ Go for payments under $100, so you can enjoy quick convenient spending.

The rewards program from Queensland Country Credit Union offers you really great flexibility with redeeming your points - you can use them to buy pretty much anything. You earn one point for every dollar you spend on your shopping, and then points are converted back into money on your credit card - every 150 points equals $1. You can then use these funds like credit to buy anything you like, from any retailer that accepts EFTPOS.

You can earn 10,000 points a month, and they expire every 2 years, so make sure you use them while you can!

Your Queensland Country Credit Union credit card is protected by VISA’s zero liability policy - which means if someone does use your card to make fraudulent or unauthorised purchases, you won’t wind up having to pay for them.  So you can use your credit card without stressing about credit card fraud.

But there are also a few things you can do to keep your card safe, including:

Choose a difficult PIN number and keep it secret

Only use well maintained ATMs in well lit areas - damaged ATMs can be a sign that scammers are using the machine to collect card details

When shopping online, look for the padlock icon in your browser bar, or for websites using Verified by Visa

Review your statement regularly, so if something unusual does pop up, you can let Queensland Country Credit Union know straight away