- Low interest rate of 12.95% p.a. on purchases and cash advances
- $39 annual card fee
- Up to 55 days interest free on purchases
- Additional cardholders for free
- Option to join the Great Rewarder program for a $58 annual fee. Lets you earn points per dollar spend and get money in return
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Bendigo Bank Low Rate Credit Card
0% on Purchases & Balance Transfers*
For 12 months. T&Cs apply. Reverts to 11.99% p.a. $45 Annual Fee
Queensland Country Bank
Queensland Country Visa Credit Card
Updated 13 August 2021
The Queensland Country Visa Credit Card features the same low rate of 12.95% 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. Comes with a rewards program which you can earn points for every dollar you spend (optional program).
Purchase Rate (p.a)
12.95%
Balance Transfer (p.a)
N/A
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
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland 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 12.95% 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 12.95% 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 This card 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. If you choose to earn points for every dollar you spend and receive cashbacks, you can apply for its rewards program with a $58 Rewarder annual fee.
Overall Rating
A low cost card that acts as a real money-saver, providing the same low rate of 12.95% 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 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 $500
Maximum credit limit N/A
Fees & repayments
Annual fee $39 p.a.
Additional cardholder fee N/A
Foreign transaction fee 3.65%
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
Extras
Option to apply for the rewards program for $58 p.a.
Overview
Queensland Country Visa Credit Card
The Queensland Country Visa Credit card has a great low interest rate on purchases and cash advances at 12.95% p.a. and a low annual fee of $39. You have the option to sign up for Queensland Country’s own Rewarder program for $58 per year, which lets you earn points for every dollar you spend – which are then returned to you in real money.
Key features
- Low interest rate of 12.95% p.a. on purchases and cash advances
- $39 annual card fee
- Up to 55 days interest free on purchases
- Additional cardholders for free
- Option to join the Great Rewarder program for a $58 annual fee. Lets you earn points per dollar spend and get money in return
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Resident or citizen of Australia
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
Recently Asked Questions
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