Visa Credit Card card image

Queensland Country Bank Visa Credit Card

Advertiser disclosure
Purchase rate
14.45% 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: 31 August 2023

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What's hot
  • 14.45% p.a. purchase rate
  • $39 annual fee
  • Optional rewards program available
What's not
  • $40 late payment fee
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. 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. 

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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 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.

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Who is it good for

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.


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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. 

Details

Rates and fees information correct as at 29 March 2024 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

14.45% p.a.

none

No current offer

none

14.45% p.a.

55

Fees

$39.00

none

none

none

$40.00

$1.00

3.65%

$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
Price
Features
Customer service
Convenience
Trust

Latest reviews of Queensland Country Bank Visa Credit Card

About Queensland Country Bank

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$59 $0 in the first year

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$195 $0 in the first year

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19.99% p.a.

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23.99% p.a.

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23.99% p.a.

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$395

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Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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Low Rate Credit Card

10.99% p.a.

No current offer

$0

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

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G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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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

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American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

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

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NAB

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

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Citi

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

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Bank of Queensland

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

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Virgin Money

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

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Bankwest

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

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NAB

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

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

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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

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NAB

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

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

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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

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Bank of Queensland

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

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Westpac

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.

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NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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