If you’re a Queenslander looking for a credit card that’s easy to manage and won’t tie you up in fees, look no further than the Queensland Country Bank Visa Credit Card. With a reasonable 14.45% p.a. purchase rate, a low annual fee of $39 and a rewards program that turns your points into cash, this budget-friendly card might be exactly what you’re looking for.
Customers earn $1 in rewards points for every $150 they spend on eligible purchases.
This card is a winner of an award in the 2022 Mozo Experts Choice Travel Money Award in the Low Rate Travel Credit Card category.
The Queensland Country Bank Visa Credit Card combines the flexibility of a low rate card with the features of a rewards card. While it’s not the lowest rate on the market, this card comes with a 14.20% p.a. purchase and cash advance rate and a low annual fee of $39 and 55 interest-free days, giving you plenty of time to pay off your balance.
But what makes the Queensland Country Bank Visa Credit Card a bit different from your standard low rate credit card is their rewards program where customers can earn $1 in reward points for every $150 AUD they spend on eligible purchases.
And if you ever want to add an additional cardholder, you’ll be able to do so for free. However, one thing to keep in mind with the Queensland Country Bank Visa Credit Card is the $40 late payment fee.
The Queensland Country Bank Visa Credit Card iscould be a great choice for Queenslanders who are interested in taking out a credit card with a community-focused institution and want the option to enter into a rewards program.
If you do miss a payment, you will be charged a $40 late payment, so it might be a good idea to set up a direct debit.
14.45% p.a. |
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none |
|
No current offer |
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none |
|
14.45% p.a. |
|
55 |
$39.00 |
|
none |
|
none |
|
none |
|
$40.00 |
|
0.0 |
|
3.65% |
|
$1.00 |
|
$35.00 |
|
$0.00 |
$20.00 |
|
3.0 |
|
yes - free |
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none |
Apple Pay, Google Wallet, Samsung Pay
Great customer service, willing to assist you with your needs. Booking in to see someone is super simple and they fit you in even if you haven't booked an appointment.
Read full reviewGreat customer service, willing to assist you with your needs. Booking in to see someone is super simple and they fit you in even if you haven't booked an appointment.
They are the cheapest and best.
Read full reviewThey are the cheapest and best.
Been with QCCU since I opened a bank account and they have always been amazing. Little to no fees, if there are any, they are cheap.
Read full reviewBeen with QCCU since I opened a bank account and they have always been amazing. Little to no fees, if there are any, they are cheap.
Staff always helpful and product good value if you pay off monthly.
Read full reviewStaff always helpful and product good value if you pay off monthly.
Friendly people, eager to help.
Read full reviewFriendly people, eager to help.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
90,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing