In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Queensland Country Bank Visa My Rewards Credit Card

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Queensland Country Bank Visa My Rewards Credit Card
Terms and conditions apply
Purchase rate
14.45% p.a.
Reward point per $ spent
1
Annual fee
$89 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers a simple rewards program with an equivalent of 0.66% cashback on eligible spending, and an $89 annual fee.

The Queensland Country Bank Visa My Rewards Credit Card offers both rewards and a relatively low variable interest rate of 14.45% p.a. for purchases and cash advances. It earns 1 rewards dollar for every $150 of eligible spending, which is credited to your account each month. Both its interest rate and annual fee are competitive with low-cost credit cards. But other rewards credit cards may also offer other perks such as complimentary insurance and airport lounge passes that can help justify higher rates and fees if they’re features you’ll use.

Pros

  • Earns 1 My Rewards dollar for every of eligible spending
  • 14.45% p.a. interest rate
  • Apple Pay and Google Pay

Cons

  • $89 annual fee
  • 3.65% international transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Queensland Country Bank Visa My Rewards Credit Card combines low-cost features with rewards, offering an equivalent to 0.66% cashback on eligible spending. You can add it to Apple Pay and Google Pay for mobile payments and get access to exclusive offers on shopping, dining, travel and entertainment through Visa Offers + Perks. You can also share the account with your partner by getting an additional card at no extra cost.

Details

Product details

Product Name Queensland Country Bank Visa My Rewards Credit Card
Purchase rate p.a. 14.45%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 14.45%
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A
Rewards points per $ spent 1

Fees

Annual fee $89
Minimum monthly repayment 3% of the closing balance or $20, whichever is greater
Foreign currency conversion fee 3.65%
Overseas ATM withdrawal fee $4
Additional cardholder fee $0

How to apply

You can apply for the Queensland Country Bank Visa My Rewards Credit Card online when you meet the eligibility criteria.

Eligibility criteria

  • Age. You must be at least 18 years of age to apply.
  • Residency. This card is only available to Australian citizens and permanent Australian residents.

Card benefits

  • Cashback rewards. This card offers 1 rewards dollar for every $150 of eligible spending, which is equivalent to 0.66% cashback. The rewards dollars are credited back to your account each month, with no need to redeem them as you typically would with other rewards cards.
  • Interest-free days. You'll get up to 55 days interest-free on purchases if you pay the total account balance listed on your statement by the due date.

Rates & fees

  • Interest rate. This card's 14.45% p.a. variable interest rate applies to both purchases and cash advances and is competitive with other low rate credit cards.
  • Annual fee. This card has an $89 annual fee.

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Amy Finder

Editor

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