Thumbnail icon for Queensland Country Bank

Queensland Country Bank Visa Credit Card

Purchase rate
12.95% p.a.
Balance transfer rate
No current offer
Annual fees
$39
Interest free days on purchases
55

Mozo editorial review Queensland Country Bank Visa Credit Card

Last updated: 6 April 2020.

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What's hot
  • 2019 Mozo Experts Choice Award
  • 12.95% purchase rate
  • $39 annual fee
  • Optional rewards program available
What's not
  • $40 late payment fee
  • Additional $58 to opt into rewards program
Mozo snapshot

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 - a 2019 Mozo Experts Choice Award winner for best Low Rate Travel Credit Card. With a reasonable 12.95% 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.

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Key features

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 12.95% 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 the optional Great Rewarder program, which turns your accumulated points into cash. And if you’re a Cowboys fan, you’ll be able to show your support 24/7, thanks to the limited edition Cowboys design.

Keep in mind though, if you do opt into the Great Rewarder program, you will be charged an additional $58 on top of the annual fee.

This credit card also offers a 1.50% foreign exchange margin, making shopping online internationally or travelling a breeze. 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.

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Who is it good for

The Queensland Country Bank Visa Credit Card is 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.


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Any catches

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. Another thing to remember is that if you are interested in using the reward program, you will be charged an additional $58 annually to do so.

Details

Rates and fees information correct as at 8 August 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 12.95% p.a.

  • none

  • No current offer

  • none

  • 12.95% p.a.

  • 55

Fees
  • $39.00

  • none

  • none

  • none

  • $40.00

  • $1.00

  • 1.50%

  • $1.00

  • $35.00

  • $0.00

Features
  • $20.00

  • 3.0

  • yes - free

  • none

Payment options

Apple Pay

Customer Reviews

How are Queensland Country Bank credit cards rated by the Mozo community?

Overall customer rating
8.6/10
Price
6.7/10
Features
7.4/10
Customer service
8.9/10
Convenience
8.9/10
Trust
8.9/10

Latest reviews of Queensland Country Bank Visa Credit Card

  • Overall 10/10
    Amazing banking.

    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 review

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Adam, Queensland reviewed almost 5 years ago
  • Overall 8/10
    Good customer service

    Staff always helpful and product good value if you pay off monthly.

    Read full review

    Staff always helpful and product good value if you pay off monthly.

    Price
    5/10
    Features
    7/10
    Customer service
    6/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Marian, Queensland reviewed almost 6 years ago
  • Overall 7/10
    Great customer service

    Friendly people, eager to help.

    Read full review

    Friendly people, eager to help.

    Price
    7/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Michelle, Queensland reviewed over 6 years ago
  • Overall 9/10
    Competitive interest rates, great customer service

    We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear from overseas or over a certain dollar amount for confirmation before being debited to my visa account. This gives me peace of mind to know that any transaction that may seem suspicious is authorised by me first.

    Read full review

    We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear from overseas or over a certain dollar amount for confirmation before being debited to my visa account. This gives me peace of mind to know that any transaction that may seem suspicious is authorised by me first.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Annetta, Queensland reviewed almost 7 years ago
  • Overall 9/10
    Awesome customer service and reasonable rates.

    My bank is willing to help out anyway they can to maximize the savings on all your accounts and if there is a way to save money they will help you to do that.

    Read full review

    My bank is willing to help out anyway they can to maximize the savings on all your accounts and if there is a way to save money they will help you to do that.

    Price
    6/10
    Features
    5/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Kerri, Queensland reviewed over 7 years ago
Queensland Country Bank

About Queensland Country Bank

Queensland Country Bank is an independent member owned organisation, providing a full range of financial services to members. Queensland Country Bank value its members and show this by offering them with an extensive range of competitive financial products in: savings accounts, home loans, credit cards, debit cards, car loans, personal loans and term deposits, designed for Queenslanders.

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