Queensland Country Credit Union Visa Credit Card

13.20% p.a.

No current offer

$39

n/a

Queensland Country Credit Union Visa Credit Card

13.20% p.a.

No current offer

$39

n/a

Mozo Review   Queensland Country Credit Union Visa Credit Card Review

Last updated: 9 May 2019.

What's hot:
  • 2019 Mozo Experts Choice Award

  • 13.20% purchase rate

  • $39 annual fee

  • Optional rewards program available

What's not:
  • $40 late payment fee

  • Additional $58 to opt into rewards program

Mozo snapshot:

If you’re a Queenslander looking for a credit card that’s easy to manage and won’t tie you up in fees, look no further than the Queensland Country Credit Union Visa Credit Card - a 2019 Mozo Experts Choice Award winner for best Low Rate Travel Credit Card. With a reasonable 13.20% purchase rate, a low annual fee of $39 and a rewards program that turns your points into cash, this budget-friendly card might be exactly what you’re looking for.

Key features:

The Queensland Country Credit Union Visa Credit Card combines the flexibility of a low rate card with the features of a rewards card. While it’s not the lowest rate on the market, this card comes with a 13.20% purchase and cash advance rate and a low annual fee of $39 and 55 interest-free days, giving you plenty of time to pay off your balance.

But what makes the Queensland Country Credit Union Visa Credit Card a bit different from your standard low rate credit card is the optional Great Rewarder program, which turns your accumulated points into cash. And if you’re a Cowboys fan, you’ll be able to show your support 24/7, thanks to the limited edition Cowboys design.

Keep in mind though, if you do opt into the Great Rewarder program, you will be charged an additional $58 on top of the annual fee.

This credit card also offers a 1.50% foreign exchange margin, making shopping online internationally or travelling a breeze. And if you ever want to add an additional cardholder, you’ll be able to do so for free. However, one thing to keep in mind with the Queensland Country Credit Union Visa Credit Card is the $40 late payment fee.

Who it's good for:

The Queensland Country Credit Union Visa Credit Card is a great choice for Queenslanders who are interested in taking out a credit card with a community-focused institution and want the option to enter into a rewards program.


Any catches?

If you do miss a payment, you will be charged a $40 late payment, so it might be a good idea to set up a direct debit. Another thing to remember is that if you are interested in using the reward program, you will be charged an additional $58 annually to do so.

Details

Rates and fees information correct as at 11 December 2019 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 13.20% p.a.

  • none

  • No current offer

  • none

  • 13.20% p.a.

  • 55

Fees
  • $39.00

  • none

  • none

  • none

  • $40.00

  • $1.00

  • 1.50%

  • $1.00

  • $35.00

  • $0.00

Features
  • $20.00

  • 3.0

  • yes - free

  • none

Payment options

Apple Pay

Customer Reviews

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

Overall customer rating
8.6/10
Price
6.7/10
Features
7.4/10
Customer service
8.9/10
Convenience
8.9/10
Trust
8.9/10

Latest reviews of Queensland Country Credit Union Visa Credit Card

  • Overall
    10/10
    Amazing banking.

    Been with QCCU since I opened a bank account and they have always been amazing. Little to no...

    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

    Adam | Queensland

    reviewed over 4 years ago

  • Overall
    8/10
    Good customer service

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

    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

    Marian | Queensland

    reviewed over 5 years ago

  • Overall
    7/10
    Great customer service

    Friendly people, eager to help.

    Friendly people, eager to help.

    Price
    7/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Michelle | Queensland

    reviewed almost 6 years ago

  • Overall
    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,...

    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

    Annetta | Queensland

    reviewed about 6 years ago

  • Overall
    9/10
    Awesome customer service and reasonable rates.

    My bank is willing to help out anyway they can to maximize the savings on all your accounts and...

    My bank is willing to help out anyway they can to maximize the savings on all your accounts and if there is a way to save money they will help you to do that.

    Price
    6/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10

    Kerri | Queensland

    reviewed over 6 years ago

Queensland Country Credit Union

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.

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