If you’re trying to keep your credit card costs down, then take a look at a low rate option from Queensland Country Credit Union. With a low interest rate and low annual fee, this card is great for spenders who sometimes carry a balance on their credit card.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
14.45% p.a. |
No current offer |
$39 |
55 |
|
14.45% p.a. |
No current offer |
$89 |
55 |
Start out on the right foot by bagging a credit card with a low annual fee. The option on offer from Queensland Country Credit Union is a low rate card as well, so even if you miss a few monthly payments, this card will keep your bill low.
Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
---|---|---|---|---|
14.45% p.a. |
No current offer |
$39 |
55 |
If you’re someone who loves to spend and be rewarded for it, a Queensland Country Credit Union rewards card is probably right up your alley! With this card, points are converted directly into funds on your credit card - so you can spend them anywhere. Take a look at this super flexible rewards option below.
Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
---|---|---|---|---|
0.0067 points per dollar on Visa, up to 70 points per month |
14.45% p.a. |
No current offer |
$89 |
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
Mozo users have rated Queensland Country Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
Great customer service, willing to assist you with your needs. Booking in to see someone is super simple and they fit you in even if you haven't booked an appointment.
Read full reviewGreat customer service, willing to assist you with your needs. Booking in to see someone is super simple and they fit you in even if you haven't booked an appointment.
They are the cheapest and best.
Read full reviewThey are the cheapest and best.
Been with QCCU since I opened a bank account and they have always been amazing. Little to no fees, if there are any, they are cheap.
Read full reviewBeen with QCCU since I opened a bank account and they have always been amazing. Little to no fees, if there are any, they are cheap.
Staff always helpful and product good value if you pay off monthly.
Read full reviewStaff always helpful and product good value if you pay off monthly.
To apply for a credit card with Queensland Country Credit Union, you’ll need to be at least 18 and a permanent resident of Australia. You’ll also have to either be, or become, a member of Queensland Country Credit Union, which will mean a visit to your local branch with your I.D.
As well as I.D., you’ll need to provide:
If you’re self employed, bring your latest tax return, profit and loss statements, plus balance sheets from the past two years
Find out more about applying for a credit card.