Queensland Country Credit Union Rewarder

13.20% p.a.

No current offer


Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,
  • figure out how many flights or gift cards or cashback credits you could get for those points,
  • work out what that's actually worth to you,
  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
  • Shopping rewards are based on $100 gift cards from a major national department store.
  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rewards scheme

  • Earn points that are converted into funds. These funds can be accessed via EFTPOS to make purchases.

Value of rewards points

  • Need to spend $15,000 (Visa)

  • at 10,000 points monthly

  • 24 months

Details behind our 'value of rewards' calculations

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

  • 15000 points buys a $100 credit

* How did we do it? Find out...


  • 13.20% p.a.

  • none

  • No current offer

  • none

  • 13.20% p.a.

  • 55


  • $97.00

  • none

  • none

  • none

  • $0.00

  • $1.00

  • 1.50%

  • $1.00

  • $35.00

  • $0.00

Other financial bits

  • $20.00

  • 3.0


  • yes - free

  • none

  • none

About Queensland Country Credit Union

Queensland Country Credit Union (QCCU) is an independent member owned organisation, providing a full range of financial services to QCCU members. QCCU value its members and show this by offering them with an extensive range of competitive financial products in: savings accounts, home loans, credit cards, debit cards, car loans, personal loans and term deposits, designed for Queenslanders.

How are Queensland Country Credit Union credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust

Based on 5
Queensland Country Credit Union credit cards reviews

8.0 8.4 9.0 9.4 9.4

Read Queensland Country Credit Union credit card reviews by the Mozo community

Latest review of Queensland Country Credit Union Rewarder

Queensland Country Credit Union

Queensland Country Credit Union Rewarder credit card review

Overall rating   7 / 10

Rates could be better and less fees

Easy to use accepted very where I go only thing Im worried about is theft people using my details and stealing my money

Full review

Easy to use accepted very where I go only thing Im worried about is theft people using my details and stealing my money

    Price   5 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10


Robyn (QLD), reviewed about 6 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

**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.

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