Queensland Country Credit Union credit cards

Queensland Country Credit Union
Queensland Country Credit Union's overall rating for credit cards

(as rated by the Mozo community)

8.6 / 10

based on 14 reviews

Want to furnish your wallet with a brand new piece of plastic without paying way too much for the privilege? Check out the low cost, low hassle credit card options from Queensland Country Credit Union.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Queensland Country Credit Union offer?

Low rate credit cards Low rate credit cards

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

13.20% p.a.

No current offer

$97

55

13.20% p.a.

No current offer

$39

55


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Low fee credit cards Low fee credit cards

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

13.20% p.a.

No current offer

$39

55


Hide

Rewards credit cards Rewards credit cards

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

1 point per dollar on Visa, up to 10000 points per month

13.20% p.a.

No current offer

$97


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Queensland Country Credit Union credit cards

What is the interest free period on my Queensland Country Credit Union credit card?

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.

What fees might I be charged?

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!

What’s the minimum repayment amount I must make?

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.

Can I use my Queensland Country Credit Union credit card for a balance transfer?

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.

Can I use my Queensland Country Credit Union credit card while I’m travelling overseas?

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!

Can I use payWave with my Queensland Country Credit Union credit card?

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

What rewards options do I have with my Queensland Country Credit Union credit card?

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!

Avoiding credit card fraud

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

How are Queensland Country Credit Union credit cards rated?

Mozo users have rated Queensland Country Credit Union credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Queensland Country Credit Union credit cards

Overall 8.6

Price

Features

Customer service

Convenience

Trust

14 Reviews

Recent Queensland Country Credit Union credit card reviews Recent Queensland Country Credit Union credit card reviews

Queensland Country Credit Union

Queensland Country Credit Union Visa Credit Card credit card review

Overall rating   10 / 10

Amazing banking.

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.

Full review

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.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Adam, Queensland, reviewed about 3 years ago

Queensland Country Credit Union

Queensland Country Credit Union credit card review

Overall rating   10 / 10

It's cool

It's the best

Full review

It's the best

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Bridie, , reviewed almost 4 years ago

Queensland Country Credit Union

Queensland Country Credit Union Visa Credit Card credit card review

Overall rating   8 / 10

Good customer service

Staff always helpful and product good value if you pay off monthly.

Full review

Staff always helpful and product good value if you pay off monthly.

    Price   5 / 10

    Features   7 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Marian, Queensland, reviewed about 4 years ago

Queensland Country Credit Union

Queensland Country Credit Union Visa Credit Card credit card review

Overall rating   7 / 10

Great customer service

Friendly people, eager to help.

Full review

Friendly people, eager to help.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Michelle, Queensland, reviewed almost 5 years ago

Queensland Country Credit Union

Queensland Country Credit Union Visa Credit Card credit card review

Overall rating   9 / 10

Competitive interest rates, great customer service

We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear...

Full review

We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear from overseas or over a certain dollar amount for confirmation before being debited to my visa account. This gives me peace of mind to know that any transaction that may seem suspicious is authorised by me first.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Annetta, Queensland, reviewed about 5 years ago

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What do you need to apply for a Queensland Country Credit Union credit card? What do you need to apply for a Queensland Country Credit Union credit card?

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:

  • Statements for any other credit or charge cards, or any other debts you have
  • A recent pay slip, or tax returns from the last two years

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.

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