Queensland Country Bank Credit Cards

Queensland Country Bank is a member-owned bank that's been operating since 1971. It offers a choice of Visa credit cards with low-cost features, including one for business spending.

Queensland Country Bank credit cards

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Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Queensland Country Bank Business Visa credit card Rewarder Rewards Program	Purchase rate p.a. 14.45%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $85	ContinueMore Info Compare	A business card with a low 14.45% p.a. interest rate, additional cards for employees and earns 1 point per $1 on everyday spending.
Queensland Country Bank Visa credit card	Purchase rate p.a. 14.45%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $39	ContinueMore Info Compare	Receive up to 55 days interest-free on purchases, a low annual fee and the ability to pay with payWave, Apple Pay and Google Pay.
Queensland Country Bank Visa My Rewards Credit Card My Rewards	Purchase rate p.a. 14.45%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $89	ContinueMore Info Compare	Get 1 My Rewards dollar per $150 of eligible spending (equivalent to 0.66% cashback) and access to Visa Offers + Perks.

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Types of Queensland Country Bank credit cards

• Low rate credit card

The Queensland Country Bank Visa credit card has a 14.45% p.a. interest rate for purchases and cash advances, which is competitive with other low rate credit cards. It also has a low annual fee of $39. With this card, you also have the option of earning cashback rewards for an additional annual rewards fee of

• Cashback credit card

The Queensland Country Bank Visa My Rewards Credit Card gives you a way to get cash back through the Rewarder program. With this program, you earn 1 reward dollar for every $150 of eligible spending. The reward dollars are credited to your card, giving you an equivalent to around 0.66% cashback. This card also offers a 14.45% p.a. interest rate for purchases and cash advances, which is competitive for a cashback credit card.

• Business credit card

The Queensland Country Bank Business Visa credit card has a low interest rate of 14.45% p.a. and interest-free days on purchases if you pay the balance in full each month. It also offers free additional cards for employees or business partners and automatic enrollment in the Rewarder cashback rewards program. The annual fee for this card is $85, which is competitive with other business credit cards.

The benefits of banking with Queensland Country Bank

• Visa benefits

You can use a Queensland Country Bank credit card in-store, online, over the phone or at ATMs that show a Visa logo. If you're shopping in person, you can make contactless payments and won't have to enter a PIN for purchases of less than $100. You also get access to shopping, dining, entertainment and travel deals through Visa Offers + Perks.

• Mobile wallets

Queensland Country Bank credit cards can be added to Apple Pay and Google Pay accounts so that you can make payments straight from your mobile device (instead of pulling out your card every time you shop).

• Security

Queensland Country Bank credit cards have the protection of Visa's Zero Liability Policy for any fraudulent transactions. The bank also has a 24-hour fraud monitoring service to help detect suspicious transactions and keep your account safe. Plus, you can report your card as lost or stolen at any time through Internet or mobile banking.

How to apply

You can apply for a personal Queensland Country Bank Visa credit card online by filling in a secure application form on the bank's website. If you want a Business Visa, you can fill in an enquiry form on the bank's website instead.

As part of the application, you'll need to make sure you meet the eligibility requirements and have all the documents and details needed. These vary between the cards but include the following:

Eligibility criteria

• Australian residency status. You must be an Australian citizen or permanent resident.
• Credit history. You should not have any bankruptcy listings on your credit report.
• Age. You must be at least 18 years of age.
• Employment. You must currently have paid employment if you're applying for a Queensland Country Bank Visa credit card for personal use.
• Business requirements. If you're applying for a Queensland Country Bank Business Visa, you need to provide details of your business including the ABN, years in operation and annual income or revenue.
• Membership. If you're already a member of Queensland Country Bank, you can provide your details when you apply. If you're new, you can become a member if your application is approved.

Documents and details

• Personal details. This includes your full name, date of birth, residential address, email address, phone number and a valid form of ID, such as your driver's licence.
• Employment details. As well as your salary, this includes your occupation, length of employment and your employer's contact details. You may also need to provide recent payslips, tax assessment notices or bank statements to help verify your financial details.
• Business details. If you're applying for a business credit card or are self-employed, you'll need to include details of your business including its name, address, contact number and financial details. You may also need to provide your accountant's details or recent tax assessment notices to help verify these details.
• Financial details. This covers any other forms of income, savings and other assets, as well as existing credit cards, loans, debts or other liabilities. You also need to include details of your regular household spending on essentials such as rent or mortgage payments, utility bills and groceries.

If you have any questions about the application, you can call Queensland Country Bank on 1800 075 078 or visit a branch.

Credit card brands similar to Queensland Country Bank

If you want credit card from a bank with a regional focus, here are 3 other credit card providers you could compare with Queensland Country Bank:

• Bankwest credit cards
• Bank of Queensland credit cards
• Bank of Melbourne credit cards

Frequently asked questions

• What do I do if my Queensland Country Bank credit card is lost or stolen?

  You can report your card as lost or stolen at any time through Internet banking or the Queensland Country Bank mobile app. You can also call Queensland Country Bank on 1800 075 078 during office hours. After hours, you can call Queensland Country Bank's third-party card and bank security service on 1800 621 199 or +612 9959 7686.

• How does my credit card spending convert into cashback rewards?

  With the Queensland Country Bank Visa My Rewards Credit Card, the reward dollars are automatically transferred onto your credit card account each month.

• Who owns Queensland Country Bank

  Queensland Country Bank is a member-owned financial institution and subscribes to the Customer Owned Banking Code of Practice. Its entity details are: ABN 77 087 651 027, AFSL/Australian Credit Licence 244 533.

Contact details and related links

• Queensland Country Bank phone number: 1800 075 078
• Queensland Country Bank home loans

Compare other products from Queensland Country Bank

• Queensland Country Bank home loans

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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