The Queensland Country Bank Visa Credit Card has a $39 annual fee and a 14.45% p.a. variable interest rate for both purchases and cash advances. While this interest rate is not as low as some other cards in the market, it's still much lower than the average credit card interest rate, which is around 20% according to Reserve Bank of Australia data.
Queensland Country Bank Visa Credit Card
Terms and conditions apply
- Purchase rate
- 14.45% p.a.
- Annual fee
- $39 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A no-frills credit card that offers a low 14.45% p.a. interest rate for purchases and a $39 annual fee.
The Queensland Country Bank Visa Credit Card's interest rate and annual fee are competitive with other low-cost credit cards. Its other features are relatively simple and include Visa Offers + Perks and mobile payments through Apple Pay and Google Pay. You can also share the account with your partner by getting an additional card at no extra cost.
Pros
-
Same low 14.45% p.a. interest rate on purchases and cash advances
-
A low $39 annual fee
-
Up to 55 days interest-free on purchases
Cons
-
Does not have complimentary travel insurance
-
Does not earn rewards for spending
Details
Product details
| Product Name | Queensland Country Bank Visa credit card |
| Purchase rate p.a. | Purchase rate p.a. 14.45% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 14.45% |
| Min credit limit | $500 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $39 |
| Minimum monthly repayment | 3% of the closing balance or $20, whichever is greater |
| Foreign currency conversion fee | Foreign currency conversion fee 3.65% |
| Overseas ATM withdrawal fee | $4 |
| Additional cardholder fee | $0 |
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Amy Finder
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