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 12.95% 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.
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% 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 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 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. 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.
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12.95% p.a. |
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none |
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No current offer |
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none |
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12.95% p.a. |
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55 |
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$39.00 |
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none |
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none |
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none |
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$40.00 |
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$1.00 |
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1.50% |
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$1.00 |
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$35.00 |
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$0.00 |
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$20.00 |
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3.0 |
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yes - free |
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none |
Apple 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.
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13.74% p.a.
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$250 $99 in the first year
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0.5 points uncapped
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$120
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1 point uncapped
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HSBC
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0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
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0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
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6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
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$279
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13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bendigo Bank
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0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 20 months then 11.99% p.a.
0% p.a. for 20 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
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No current offer
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NAB
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No current offer
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BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
No current offer
$0
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
