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Queensland Country Visa Credit Card
Queensland Country Visa Credit Card

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

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Pros and cons

  • 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

  • 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 8 years in money, budgeting and property reporting under her belt 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

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

60% 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 $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

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

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