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Queensland Country Bank Visa credit card

Amy Bradney-George
Amy Bradney-George
Last updated:  

Save with a low purchase interest rate and earn points as you spend.

The Queensland Country Bank Visa credit card has a $39 annual fee and a 12.95% p.a. variable interest rate for both purchases and cash advances. If you opt to join the Rewarder program, you'll earn points per $1 spent which you can then redeem for cashback to your account.

12.95% p.a.

Purchase rate

1

Reward point

Per $ spent

$39 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameQueensland Country Bank Visa credit card
Rewards programRewarder Rewards Program
Purchase rate12.95% p.a.
Annual fee$39
Interest-free period55 days
Cash advance rate12.95% p.a.
Min credit limit$500
Card typeVisa
Available to temporary residentsNo
Joint applicationNo

Pros

  • Same low 12.95% p.a. interest rate on purchases and cash advances
  • Earns points per $1 spent
  • Up to 55 days interest-free on purchases

Cons

  • Does not have complimentary travel insurance
Rewards programRewarder Rewards Program
Rewards points per $ spent1
Rewards points cap10,000
Annual fee$39
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Overseas ATM withdrawal fee$4
Additional cardholder fee$0

Expert review

Amy Bradney-George

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Queensland Country Bank Visa is a low-cost credit card with a 12.95% p.a. variable interest rate and a $39 annual fee that makes it competitive with other low rate cards. If you want to earn cashback rewards, you can enrol in the Rewarder program for an extra yearly cost of $58. But, with 150 points equalling $1 worth of cashback, you will need to think about whether the value of the rewards is worth it for you.

How to apply

You can apply for the Queensland Country Bank Visa credit card online in 20 to 30 minutes, as long as 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 purchase rate. This card charges a low variable 12.95% p.a. purchase interest rate.
  • Rewarder program. You'll earn 1 point per $1 spent on eligible transactions up to 10,000 points per month. Your points are automatically credited to your Rewarder account on a monthly basis and then converted into a dollar amount, with 150 points giving you $1 in value. As an example, if you accumulated 24,000 Rewarder Points over 12 months, you would then have $160 to spend using your Rewarder Loyalty card.

Rates & fees

  • Annual fee. This card charges a $39 annual fee. Remember that an additional annual fee of $58 applies if you sign up for the rewards program.
  • Cash advances. If you use your card to make a cash advance, such as an ATM withdrawal, you'll be charged the 12.95% p.a. cash advance interest rate.

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