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 Credit Card

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Queensland Country Bank Visa credit card
Terms and conditions apply
Purchase rate
14.45% p.a.
Annual fee
$39 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

A no-frills credit card that offers a low 14.45% p.a. interest rate for purchases and a $39 annual fee.

The Queensland Country Bank Visa Credit Card's interest rate and annual fee are competitive with other low-cost credit cards. Its other features are relatively simple and include Visa Offers + Perks and mobile payments through Apple Pay and Google Pay. You can also share the account with your partner by getting an additional card at no extra cost.

Pros

  • Same low 14.45% p.a. interest rate on purchases and cash advances
  • A low $39 annual fee
  • Up to 55 days interest-free on purchases

Cons

  • Does not have complimentary travel insurance
  • Does not earn rewards for spending

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 Credit Card has a $39 annual fee and a 14.45% p.a. variable interest rate for both purchases and cash advances. While this interest rate is not as low as some other cards in the market, it's still much lower than the average credit card interest rate, which is around 20% according to Reserve Bank of Australia data.

Details

Product details

Product Name Queensland Country Bank Visa credit card
Purchase rate p.a. 14.45%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 14.45%
Min credit limit $500
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $39
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 Credit Card online when you meet the eligibility criteria.

Eligibility criteria

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

Card benefits

  • Competitive interest rate. The Queensland Country Bank Visa Credit Card has a variable interest rate of 14.45% p.a. for purchases and cash advances. To put this in perspective, credit card interest rates in Australia typically range from around 8% to 24%, making this card a low rate option.
  • Visa perks. You can use this card in over 200 countries and regions globally, wherever Visa is accepted. You'll also access exclusive shopping offers and pre-sale tickets to events with Visa Offers + Perks.

Rates & fees

  • Annual fee. This card charges a $39 annual fee.
  • Interest-free days. If you pay your balance in full by the statement due date, you can get up to 55 interest-free days on purchases.

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Amy Finder

Editor

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