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Queenslanders Credit Union Business Visa Credit Card
Queenslanders Credit Union Business Visa Credit Card

Queenslanders Credit Union Business Visa Credit Card

Updated 29 October 2019

Purchase Rate (p.a)

13.20%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$90

$0 over 0 months

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Pros and cons

  • Multiple cardholders, all with individual limits
  • Low interest rate
  • Up to 55 days interest free on purchases
  • Free additional cards for business partners or staff

  • Basic business credit card

Creditcard.com.au review

Editor Review

Queenslanders Credit Union Business Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Queenslanders Credit Union Business Visa Credit Card

Offering small business owners the opportunity to manage their cash flow more effectively, the Queenslanders Credit Union Business Visa Credit Card provides up to 55 days interest free on purchases, with a low annual fee and low purchase rate. Accountholders can apply for multiple cards set with individual limits, to then earn points on the Rewarder Business program.

What we love...

Keeping things nice and simple, the Queenslanders Credit Union Business Visa Credit Card can be a great tool for small business owners looking to streamline their finances. Instead of dipping into petty cash – or worse, using a personal credit card – this option allows business owners to easily track and manage business spending day to day.

For a low annual fee, accountholders can apply for multiple cards, to then set individual spending limits for each cardholder. Keeping track of cardholder spending is made easy with detailed statements provided for both the business and for each individual’s cardholder spending.

One of the most appealing aspects of this card may be its interest free feature. With up to 55 days interest free on purchases, this can help accountholders to manage their spending, easing cash flow while keeping interest costs at zero. Note, to take advantage of this feature, you will need to clear the balance by the due date each month. If you are unable to do this, you can work on keeping costs down with the card’s low interest rate.

But of course, there is more to this card than just money saving. As an accountholder, you will be automatically signed up for the Rewarder Business program at no additional cost. This allows you to earn points on all cardholder spending, which is then accumulated and can be spent anywhere in Australia that accepts EFTPOS.

What’s not so great...

There wasn’t much information available regarding the Rewarder Business program. While Queenslanders directs applicants to check out the program brochure, this was nowhere to be found. If you want to apply for this card, it would be wise to find out the earn rate on this card, and what points earned convert to in terms of dollar value.

Why should you choose this card?

If you want a fairly simple business rewards card, the Queenslanders Credit Union Business Visa Credit Card could be well worth a second look. While there are other business cards out there offering more in the way of features, if simple is all you need, there’s not much point paying extra for those extras.

If you tend to carry a balance, this card could help you keep costs down with its low purchase rate, When you do clear your balance, you can work on keeping interest costs at zero by taking advantage of the card’s interest free feature. As for those rewards, they seem pretty simple, and could provide a great way to reward yourself, your team or your business.

Overall Rating

A basic business card option, the Queenslanders Credit Union Business Visa Credit Card offers up to 55 days interest free on purchases, a low annual fee and interest rate, and the opportunity to earn rewards on cardholder spending.

User reviews

Queenslanders Credit Union Business Visa Credit Card ( based on 1 Creditcard.com.au user review )

43% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 13.20% p.a.

Cash advance rate 13.20% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $90 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Queenslanders Credit Union Business Visa Credit Card

Key features

  • Multiple cardholders, all with individual limits
  • Low interest rate
  • $90 annual fee
  • Up to 55 days interest free on purchases
  • Free additional cards for business partners or staff

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or New Zealand Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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