---
title: "Line of Credit — Queensland Country Bank"
description: "Overdrafts 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/48
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T14:00:25.1767444Z
---

# Line of Credit — Queensland Country Bank

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

**Overdrafts**

Our Line of Credit is an overdraft facility that provides you with the ability to continually draw up to your credit limit at any time for your home, car and other credit requirements, giving you flexibility providing you stay under your approved limit.

## At a glance

- **From:** 8.69% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Line of Credit - Ultimate Home Loan Package · Applicable for Ultimate Home Loan Package holders) | 8.69% | — | — |
| Variable (Line of Credit) | 9.19% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Overseas Purchase Fee — Charged as a percentage of the foreign currency transaction value | Transaction | 3.65% of transaction |
| Disputed Transaction Fee | Event | $35.00 |
| Direct Entry Recall of Funds | 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 |
| LOC Establishment Fee — Charging on Origination · Discount −100% of fee — LOC Establishment Fee (eligibility: Other: LOC Establishment Fee is waived whilst loan is held under the Ultimate Home Loan Package. ) | Upfront | $250.00 |
| Mortgage Document Fee — Charging on Origination · Discount −100% of fee — Mortgage Document Fee (eligibility: Other: Mortgage Documentation Fee is waived whilst loan is held under the Ultimate Home Loan Package ) | Upfront | $250.00 |
| Package Fee — Charged yearly · Package Fee charged on commencement of Ultimate Home Loan Package and annually on anniversary of the commencement date.  If multiple loans are held under the Ultimate Home Loan Package member can nominate applicable loan to be charged. · Discount −100% of fee — Stand-alone Line of Credit (eligibility: Other: The annual package fee is waived whilst the Line of Credit is held as a stand-alone product) · Discount −100% of fee — Ultimate Home Loan Package (eligibility: Other: When multiple loans are held under the Ultimate Home Loan Package, only 1 (one) package fee is charged to the members nominated loan.) | Ongoing | $395.00 |
| Overlimit Fee — Discount −100% of fee — On a fee for maintaining a set balance | Event | $30.00 |
| Annual Facility Fee — Charged yearly · Discount −100% of fee — Ultimate Home Loan Package (eligibility: Other: The Annual Facility Fee is waived whilst the Line of Credit is held under an Ultimate Home Loan Package) | Ongoing | $100.00 |
| Val Fee - PropertyHub | Upfront | $50.00 |
| Other Credit Fees — Refer to our Fees and Charges brochure for information on other fees and charges which may apply. | Other | Variable |
| Monthly Account Fee — Charged monthly | Ongoing | $0.00 |
| Arrears Letter - Second Arrears Letter | Event | $40.00 |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70.00 |
| Transaction Investigation Fee | Event | $15.00 |

## Features

- **Additional cards**
- **Card access** — Visa Debit Card
- **Digital banking**
- **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.)
- **Overdraft available**
- **Unlimited transactions**
- **Continual credit facility.**

## More information from Queensland Country Bank

- [Overview](https://www.queenslandcountry.bank/banking/)
- [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: `48`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/queensland-country-bank/48
- 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/48) — 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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