Queensland Country Bank Visa Credit Card

On Queensland Country Bank's website

Queensland Country Bank Visa Credit Card

Balance transfer

N/A

Purchase rate

14.45% p.a. ongoing

Interest-free days

55 days

Annual fee

$39.00 p.a. ongoing

Highlights

  • Avail a modest $39 annual fee.
  • Benefit from the same low-interest rate of 14.45% per annum on both cash advances and purchases.
  • Enjoy the perk of free additional cardholders.

Pros and cons

Pros

  • Low annual fee.
  • Additional cardholders at no extra cost.
  • Up to 55 days interest-free on purchases.
  • Access to Visa Entertainment exclusive offers.

Cons

  • No introductory balance transfer rate at the moment.
  • No rewards program.
  • No complimentary travel insurance.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
No

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
2
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$500.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
14.45% p.a.
Cash Advance Fee
$0.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
14.45% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$39.00
Dishonour Fee
$20.00
Duplicate Statement Fee
$10.00
Foreign Exchange Fee Percentage
3.65%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

The basics

  • Additional cardholders. This card allows you to add additional cardholders at no extra cost. You will be responsible for the account's management if you do add additional cardholders.
  • Digital wallets. This card supports Apple Pay an Google Pay.
  • Gambling transactions. Gambling transactions are not allowed on the Queensland Country Bank Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The Queensland Country Bank Visa Credit Card has no complimentary international travel insurance policy.
  • Concierge services. The Queensland Country Bank Visa Credit Card does not offer a concierge service.
  • Insurances. This card does not offer any insurance benefits for cardholders.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. There is no signup bonus for this card at this time.

Rates and fees

  • Annual fee. The annual fee for this card is $39.
  • Balance transfers. There is no current balance transfer offer available for this card.
  • Cash advances. Cash advances made with the Queensland Country Bank Visa Credit Card will be charged interest at the rate of 14.45% p.a. Accrued interest will begin immediately from the day of the transaction. Cash advances made with this card will incur a one-off fee.
  • Foreign exchange fee. Purchases made while overseas or with online stores based overseas will incur a 3.65% foreign transaction fee.
  • Interest-free period. With the Queensland Country Bank Visa Credit Card, you can get up to 55 days interest-free on purchases (except cash advances) when you make the minimum required payments or pay off your balance in full.
  • Purchases. With no introductory offer on purchases, purchases made with this card will be charged interest of 14.45% p.a.

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