---
title: "Visa Credit — Queensland Country Bank"
description: "Credit & Charge Cards from Queensland Country Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/queensland-country-bank/products/13
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-29T16:00:25.0639185Z
---

# Visa Credit — Queensland Country Bank

> Credit & Charge Cards from Queensland Country Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Our Visa Credit Card comes with a competitive low interest rate, low annual fee and up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date

## At a glance

- **Purchase rate:** 14.74%
- **Annual fee:** $39.00

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer | 14.74% | — | — |
| Cash advance | 14.74% | — | — |
| Purchase | 14.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Overseas Purchase Fee | Transaction | 3.65% of transaction |
| Disputed Transaction Fee | Event | $35.00 |
| Direct Entry Recall of Funds — Applies to Direct Debit, Direct Credit and OSKO payments | Event | $40.00 |
| DE Mistaken Payment Return Req | Event | $50.00 |
| Honour Charge | Event | $5.00 |
| Dishonour Insuff. Funds | Dishonour | $7.00 |
| RTGS Payment Received Fee | Event | $7.20 |
| Other Service Fees — Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges | Other | Variable |
| Arrears Letter - Second Arrears Letter | Event | $40.00 |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70.00 |
| Overlimit Fee — Discount −100% of fee — 100% waived when the Overlimit amount <= $50.000000 | Event | $30.00 |
| Visa Annual Fee — Charged yearly · Annual Fee charged on commencement and annually on anniversary of the commencement date · Discount −100% of fee — Another eligibility criteria exists as described in the additionalInfo field (eligibility: Other: Annual Visa Card fee is waived under our Ultimate Home Loan Package) | Ongoing | $39.00 |

## Features

- **Additional cards**
- **Card access** — Visa Credit Card
- **Digital banking** (24/7 mobile and internet banking access)
- **Digital wallet** — APPLE PAY (Pay faster, easier and more securely with Apple Pay. Apple Pay eligibility restrictions may apply.)
- **Digital wallet** — GOOGLE PAY (Pay faster, easier and more securely with Google Pay. Google Pay eligibility restrictions may apply.)
- **Digital wallet** — SAMSUNG PAY (Pay faster, easier and more securely with Samsung Pay. Samsung Pay eligibility restrictions may apply.)
- **A low competitive interest rate on both purchases and cash advances**
- **Unlimited transactions**
- **Balance transfers** (Balance transfers can be made to the account)
- **Interest-free period** — 55 days (Up to 55 days interest free on purchases and BPAY if you pay your card in full by the due date)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**

## Constraints

- **Maximum limit** — $60,000.00
- **Minimum limit** — $500.00

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/Banking/credit-cards/Visa-My-Rewards-Credit-Card/)
- [Terms & conditions](https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf)
- [Fees & pricing](https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf)

## Data provenance

- Published by Queensland Country Bank under the Consumer Data Right
- Product ID: `13`
- Last updated by the provider: 29 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/13
- Provider page: https://www.cdrcompare.au/brands/queensland-country-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000123

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/queensland-country-bank/products/13) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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