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.
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.
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.
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.
12.95% p.a.
none
No current offer
none
12.95% p.a.
55
$39.00
none
none
none
$40.00
$1.00
1.50%
$1.00
$35.00
$0.00
$20.00
3.0
yes - free
none
Apple Pay
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.
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 reviewWe 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.
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 reviewMy 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.
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.
Promoted
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11.99% p.a.
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19.99% p.a.
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$0
Qantas Frequent Flyer
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20.74% p.a.
No current offer
$395
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$0
No current offer
0.75 points uncapped
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Qantas Premier Platinum
Qantas Frequent Flyer
$299 $199 in the first year
80,000
1 point up to $10,000/month, then
0.5 points uncapped
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Platinum Edge Credit Card
Membership Rewards
$195
No current offer
1 point uncapped
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American Express
Explorer Credit Card
Membership Rewards
$395
50,000
2 points uncapped
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Platinum Credit Card
Life Rich Rewards
$149 $0 in the first year
No current offer
1 point up to 100,000 points/year
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Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
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American Express Card
Membership Rewards
$99
15,000
1 point uncapped
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American Express Platinum Card
Membership Rewards
$295
30,000
1 point uncapped
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Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
19.99% p.a.
$299 $199 in the first year
Qantas Frequent Flyer
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Bankwest
Zero Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
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CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Life Rich Rewards
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Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
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Bank First
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0% p.a. for 6 months and then 12.54% p.a.
0% p.a. for 6 months then 12.54% p.a.
$0
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20.74% p.a.
$129
Suncorp Rewards
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0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
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11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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0% p.a. for 6 months then 9.99% p.a.
0% p.a. for 6 months and then 9.99% p.a.
$0
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0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
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10.49% p.a.
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11.99% p.a.
0% p.a. for 6 months and then 11.99% p.a.
$89
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11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Credit Union SA
Education Community Credit Card
0% p.a. for 6 months then 9.99% p.a.
0% p.a. for 6 months and then 9.99% p.a.
$0
Promoted
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Low Rate Mastercard
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
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10.49% p.a.
0% p.a. for 6 months and then 10.49% p.a.
$39
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11.99% p.a.
0% p.a. for 6 months and then 11.99% p.a.
$89
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Bank First
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0% p.a. for 6 months then 12.54% p.a.
0% p.a. for 6 months and then 12.54% p.a.
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Virgin Money
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0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year