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Queensland Country Visa Business Credit Card
Queensland Country Visa Business Credit Card

Queensland Country Bank

Queensland Country Visa Business Credit Card

Updated 29 September 2021

Streamline your business finances with Queensland Country Visa Business credit card. This card comes with a low annual fee and low purchase rate plus, up to 55 days interest free on purchases. Accountholders can apply for multiple cards set with individual limits and earn points on the Rewarder Business program. T&Cs apply.

Purchase Rate (p.a)

12.95%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$90

$0 over 0 months

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Pros and cons

  • Multiple cardholders, all with individual limits
  • Low interest rate
  • Up to 55 days interest free on purchases
  • Free additional cards for business partners or staff

  • Basic business credit card

Creditcard.com.au review

Editor Review

Queensland Country Visa Business Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt about this card.

The Queensland Country Visa Business Credit Card

Offering small business owners the opportunity to manage their cash flow more effectively, the Queensland Country Visa Business Credit Card provides up to 55 days interest free on purchases, with a low annual fee and low purchase rate. Accountholders can apply for multiple cards set with individual limits, to then earn points on the Rewarder Business program.

What we love...

Keeping things nice and simple, the Queensland Country Visa Business Credit Card can be a great tool for small business owners looking to streamline their finances. Instead of dipping into petty cash – or worse, using a personal credit card – this option allows business owners to easily track and manage business spending day to day.

For a low annual fee, accountholders can apply for multiple cards, to then set individual spending limits for each cardholder. Keeping track of cardholder spending is made easy with detailed statements provided for both the business and for each individual’s cardholder spending.

One of the most appealing aspects of this card may be its interest free feature. With up to 55 days interest free on purchases, this can help accountholders to manage their spending, easing cash flow while keeping interest costs at zero. Note, to take advantage of this feature, you will need to clear the balance by the due date each month. If you are unable to do this, you can work on keeping costs down with the card’s low interest rate.

But of course, there is more to this card than just money saving. As an accountholder, you will be automatically signed up for the Rewarder Business program at no additional cost. This allows you to earn points on all cardholder spending, which is then accumulated and can be spent anywhere in Australia that accepts EFTPOS.

What’s not so great...

There wasn’t much information available regarding the Rewarder Business program. While Queensland Country directs applicants to check out the program brochure, this was nowhere to be found. If you want to apply for this card, it would be wise to find out the earn rate on this card, and what points earned convert to in terms of dollar value.

Why should you choose this card?

If you want a fairly simple business rewards card, the Queensland Country Visa Business Credit Card could be well worth a second look. While there are other business cards out there offering more in the way of features, if simple is all you need, there’s not much point paying extra for those extras.

If you tend to carry a balance, this card could help you keep costs down with its low purchase rate, When you do clear your balance, you can work on keeping interest costs at zero by taking advantage of the card’s interest free feature. As for those rewards, they seem pretty simple, and could provide a great way to reward yourself, your team or your business.

Overall Rating

A basic business card option, the Queensland Country Visa Business Credit Card offers up to 55 days interest free on purchases, a low annual fee and interest rate, and the opportunity to earn rewards on cardholder spending.

User reviews

Queensland Country Visa Business Credit Card ( based on 1 Creditcard.com.au user review )

54% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 12.95% p.a.

Cash advance rate 12.95% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $90 p.a.

Additional cardholder fee N/A

Foreign transaction fee 1.5%

Minimum repayment 3% or $20 whichever is greater

Cash advance fee Domestic Free; International $4

Late payment fee N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Queensland Country Visa Business Credit Card

Key features

  • Multiple cardholders, all with individual limits
  • Low interest rate
  • $90 annual fee
  • Up to 55 days interest free on purchases
  • Free additional cards for business partners or staff

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or New Zealand Citizen

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

2 questions (showing the latest 10 Q&As)

Simon

Simon

3 February 2021
I've found more info on the "Queensland Country Visa Business Credit Card" rewards program. It's not a flight rewards thing, it's their own one. You earn 1 point per $1 which is added to a separate EFTPOS-type card, and you can spend it like an EFTPOS card. The redemption rate is 150 points for $1, so effectively for every $150 you spend you get $1 back
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 February 2021
    Hey Simon, Thank you so much for your comment. I appreciate you digging around for the info as well. Unfortunately, the Rewarder information you've posted is for the personal credit cards, not the business one. Cheers!
Dan

Dan

27 March 2020
How do I go about getting a buisness credit card but my personal credit score is poor
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 March 2020
    Hi Dan, they will look at your personal credit for approving your business card. Therefore its unlikely that you will get approval if your credit is really bad.

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