Visa Credit Card card image

Queensland Country Bank Visa Credit Card

Advertiser disclosure
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: 12 April 2021.

binocular icon
What's hot
  • 12.95% p.a. 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. 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.

key icon
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% 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.

snapshot
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.


question icon
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 15 May 2021 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
8.8/10
Price
6.9/10
Features
7.6/10
Customer service
8.9/10
Convenience
8.9/10
Trust
8.9/10

Latest reviews of Queensland Country Bank Visa Credit Card

Thumbnail icon for 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.

See Queensland Country Bank credit cards

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$49 $0 in the first year

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for Citi

Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Thumbnail icon for HSBC

HSBC

Platinum Credit Card

19.99% p.a.

0% p.a. for 36 months and then 21.99% p.a.

$129 $29 in the first year

Rewards Plus

Thumbnail icon for American Express

American Express

Cashback Credit Card

20.74% p.a.

No current offer

$120

Cashback Rewards

Thumbnail icon for St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

Thumbnail icon for American Express

American Express

Cashback Credit Card

Cashback Rewards

$120

No current offer

1 point uncapped

Thumbnail icon for Westpac

Westpac

Altitude Platinum

Altitude Rewards

$150 $99 in the first year

80,000

1 point uncapped

Thumbnail icon for American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB

NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

110,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for St.George

St.George

Amplify Rewards Signature

Rewards

$279

200,000

1.5 points uncapped

Thumbnail icon for American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Thumbnail icon for St.George

St.George

Amplify Rewards Platinum

Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

Thumbnail icon for St.George

St.George

Vertigo

0% p.a. for 28 months and then 21.49% p.a.

13.99% p.a.

$55

Thumbnail icon for Westpac

Westpac

Low Rate

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59 $0 in the first year

Thumbnail icon for HSBC

HSBC

Platinum Credit Card

0% p.a. for 36 months and then 21.99% p.a.

19.99% p.a.

$129 $29 in the first year

Rewards Plus

Thumbnail icon for Bankwest

Bankwest

Zero Mastercard

0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)

14.99% p.a.

$0

Thumbnail icon for St.George

St.George

Amplify Rewards Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Rewards

Thumbnail icon for Bankwest

Bankwest

Zero Platinum Mastercard

0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)

14.99% p.a.

$0

Thumbnail icon for NAB

NAB

Low Rate Card

0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59 $0 in the first year

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Citi

Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Thumbnail icon for St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for Citi

Citi

Rewards Credit Card

21.49% p.a.

0% p.a. for 30 months and then 22.24% p.a.

$149 $49 in the first year

Thumbnail icon for ING

ING

Orange One Low Rate Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$49 $0 in the first year

Thumbnail icon for Citi

Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$69 $0 in the first year

Thumbnail icon for St.George

St.George

No Annual Fee

0% p.a. for 12 months then 20.74% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$0

Thumbnail icon for ING

ING

Orange One Low Rate Credit Card

11.99% p.a.

No current offer

$0