- Low interest rate of 14.20% p.a. on purchases and cash advances
- $39 annual card fee
- Up to 55 days interest free on purchases
- Additional cardholders for free
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Queensland Country Bank
Queensland Country Visa Credit Card
Updated 8 July 2025
The Queensland Country Visa Credit Card features the same low rate of 14.20% p.a. on purchases and cash advances, low annual fee and interest free days on purchases. Enjoy up to 55 days interest free on purchases and add extra cardholders at no cost.
Purchase Rate (p.a)
14.20%
Annual Fee (p.a)
$39
Pros and cons
- No balance transfer offer
- No complimentary travel insurance
Creditcard.com.au review
Editor Review
Queensland Country Visa Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Queensland Country Visa Credit Card
With a range of low rate credit card options available in the market, the Queensland Country Visa Credit Card is most definitely a best choice for those who want to cut back on their credit card costs. It features the same low rate of 14.20% p.a. on purchases and cash advances, low annual fee and interest free days on purchases.
What we love...
Low rates and low annual fees don’t always go together except for Queensland Country Visa Credit Card that has these money saving features. In terms of annual fees, you will pay $39 each year, which is pretty modest compared to some of the big boys, which run to $400 or $500 per year. As for interest, this is also super low, both on purchases and cash advances at 14.20% per year. If you want to save on everyday spending, you can take advantage of up to 55 days interest free on purchases. Whether buying big or small, this can help to save some cash as long as you understand how interest free days work.
What’s not so great...
The Queensland Country Visa Credit Card is a simple low rate card so it doesn't come with fancy extras such as complimentary travel insurance and a balance transfer offer. If you have an existing debt you need to move over you should look for a credit card with a 0% balance transfer offer.
Why should you choose this card?
Quite simply, this is a low cost card that can help you save money. With lower interest rates and potentially fewer fees, you'll save money on interest charges and be able to manage your credit balance more effectively.
Overall Rating
A low cost card that acts as a real money-saver, providing the same low rate of 14.20% p.a. on purchases and cash advances, low annual fee and interest free days on purchases.
User reviews
Rates and fees
Interest rates
Purchase rate 14.20% p.a.
Cash advance rate 14.20% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $500
Maximum credit limit N/A
Fees & repayments
Annual fee $39 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3.65%
Minimum repayment 3% or $20 whichever is greater
Cash advance fee Free (domestic); $4 (international)
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 Credit Card
The Queensland Country Visa Credit card has a great low interest rate on purchases and cash advances at 14.20% p.a. and a low annual fee of $39.
Key features
- Low interest rate of 14.20% p.a. on purchases and cash advances
- $39 annual card fee
- Up to 55 days interest free on purchases
- Additional cardholders for free
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 and currently lives in Australia
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 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
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John Cattell
10 December 2021Pauline
14 December 2021