Business Visa card image

Queensland Country Bank Business Credit Card

Advertiser disclosure
Purchase rate
12.95% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review Queensland Country Bank Business Credit Card - last updated: 28 October 2021

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What's hot
  • 12.95% p.a. purchase rate
  • 1 point per $1 spent on Visa
  • 2021 Mozo Experts Choice Award winner
What's not
  • Points are capped at 10,000 each month
Mozo snapshot

If you’ve been on the hunt for a rewards credit card that doesn’t come with a hefty price tag, then look no further than the Queensland Country Bank Business Credit Card. This card features a 12.95% p.a. purchase rate and $90 annual fee. And in terms of points, card holders will earn 1 point per $1 spent - it’s no wonder this card took out a 2021 Mozo Experts Choice Award for best Rewards Business Credit Card!

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Key features

With the Queensland Country Bank Business Credit Card business owners can enjoy a relatively low interest rate and the perks of a rewards program. This nifty piece of plastic features all the standard features of a credit card, like a 12.95% p.a. purchase rate, a $90 annual and up to 55 interest-free days. 

But unlike many low rate cards, the Queensland Country Bank Business Credit Card also comes with a rewards program. For every $1 you spend, you’ll earn 1 point, which you can put toward things like free flights, gift cards and even cash! 

However there are a few things to keep in mind, like that your points will be capped at 10,000 each month and expire after 24 months if not used. And while there is a 1.50% foreign exchange fee for any international purchases, it’s worth noting that compared to other offers in the market this is on the lower side. 

Who is it good for

The Queensland Country Bank Business Credit Card could be a great pick for business owners looking for a great value rewards program, without the high interest rate. 

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Any catches

If you are a business owner looking to cash in a range of rewards, just keep in mind that points are capped at 10,000 each month. It’s also worth remembering that your points will expire after 24 months if they’re not used. 

Rewards program details

Rates and fees information correct as at 2 July 2022. 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.
What your points get you

Fly Sydney to London return


Fly Sydney to Melbourne one-way


$100 Giftcard

15,000 points

$100 Cash

15,000 points

Points earning

1 point per dollar on Visa, up to 10000 points per month

Rewards scheme

Earn points that are converted into funds. These funds can be accessed via EFTPOS to make purchases.

Value of rewards points

Spend $15,000 (Visa)

Spend $15,000 (Visa)

at 10,000 points monthly

24 months

How do we calculate these points?
How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.


Rate and fee details


12.95% p.a.


No current offer


12.95% p.a.
















yes - free


Payment options

Apple Pay

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About Queensland Country Bank