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Queenslanders Credit Union Ltd, How can we HELP you?




Wednesday, June 15, 2023
Rates & FeesOnline Forms


SmartCash is the fast, convenient and easy way to have ready access to money when you need it, whether its an emergency, or if you just feel like spoiling yourself. There’s no need to wait around for personal loans to be approved when you require extra cash.

With SmartCash you’ll also receive a Queenslanders’ Visa Debit card so that you access your SmartCash facility or you can use your own money without paying any interest. Visa is accepted at more than 22 million merchants around the world and is your passport to shopping in store, over the phone, or via the internet. And if you press the "Credit" button when making an EFTPOS purchase, you’ll pay NO transaction fees.

Our SmartCash interest rate is lower than most credit cards – to view our SmartCash Rates and Fees* click here.

How does SmartCash work?

Let’s say you have a balance of $2,000 in your Queenslanders Account and a SmartCash limit of $3,000. That means you have access to $5,000 in total.

A few days later you see that big screen TV on sale for $3,500. You use your Visa Debit card to buy the TV, using $2,000 of your own money from our account and $1,500 of your SmartCash. Interest is then charged on the $1,500 SmartCash amount you’ve accessed and this interest is debited from your account at the end of the month.

A week later, your pay is deposited into your account. Interest will cease to be charged on your SmartCash facility if the outstanding balance has been repaid and your account is again in credit. If you’re not using your SmartCash facility, you’re not being charged any interest.

To apply for Smartcash click here, your application will be assessed within 24 hours of being received at our office.

*Interest rates subject to change. Fees & charges may apply. Lending conditions apply. Full terms & conditions available on request. Offer not available on existing overdrafts.