Queenslanders Credit Union Credit Cards

You will have to activate the card when it arrives before you are able to use that card. Activate the card using the mobile banking app, online banking, or by calling Queenslanders Credit Union on 1300 363 130.

You can manage your Queenslanders Credit Union credit card using the mobile banking app or through the online banking portal on their website. Online banking with Queenslanders Credit Union lets you manage your transaction history, view account balances, activate and deactivate new cards, and more.

When interest is charged

Interest is charged when you carry a balance on your Queenslanders Credit Union credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer (fees and charges apply).

When interest is not charged

Up to 55 interest-free days apply to Queenslanders Credit Union credit cards. These interest-free days are available when you pay your balance off in full for two consecutive months. For more information about interest-free days, check out our article on how they work.

Your credit limit for a Queenslanders Credit Union credit card will be determined based on the information you provide in your application, keeping in mind the minimum credit limits on the card (see above).

You can apply to change your credit limit at any time by contacting them. They may approve or reject requests for increases at their discretion, based on their lending criteria. Find out more about how credit limits are determined here.

You can close your Queenslanders Credit Union credit card at any time by contacting them, but your account will not officially be closed until 3 months after this date. You can ask them to reactivate your account at any time during this period at no cost to yourself.

Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, rather than cancelling your card you can contact the Queenslanders Credit Union financial hardship assistance team on 07 3218 7239 to find potential solutions.

If however, you’re cancelling because of dissatisfaction with what your current card offers, then why not compare other credit cards using the Canstar website:

Compare Credit Cards

Queenslanders Credit Union is a credit union and is therefore 100% owned by its customers.

It was initially founded in 1963 in Ipswich as the Queensland Public Service Employees Co-op Credit Union, sponsored by the State Service Union to serve the coal mining industry. After several mergers, they changed their name to Queenslanders Credit Union in 1996.

Queenslanders Credit Union has received several Canstar 5-star ratings for their products over the years. You can compare their products on the Canstar website, including home loans, personal loans, savings and transaction accounts, term deposits, life insurance, home insurance, car insurance, and travel insurance.

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