The Finance Algorithm
Queensland Country Bank logoQueensland Country Bank

Visa Credit

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

Credit cardsBank updated 15 Oct 2026
Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
14.99%
Cash advance
14.99%
Interest-free days
55
Annual fee
$39
Foreign transaction fee
3.65%
Balance transfer
14.99%
Grey Credit Card

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 14.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers14.99%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions43rd lowest of 51, level with one other
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate Queensland Country Bank publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer---14.99%--
Cash advance---14.99%--
Purchase---14.99%--

Rate changes

3 changes logged, newest first.

DateRateWasNowChange
15 Oct 2026Balance transfer14.74%14.99%up 0.25
15 Oct 2026Cash advance14.74%14.99%up 0.25
14 Oct 2026Purchase14.74%14.99%up 0.25

Each change is logged the night it appears in the rates Queensland Country Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

12 fees published, grouped by when they're charged.

While you hold it1

  • Visa Annual Fee

    Annual Fee charged on commencement and annually on anniversary of the commencement date Another eligibility criteria exists as described in the additionalInfo field

    $39 a year

When you make a transaction1

  • Overseas Purchase Fee
    3.65% of transaction

If a payment is late or fails1

  • Dishonour Insuff. Funds
    $8

When particular things happen8

  • Arrears Letter - Second Arrears Letter
    $40
  • Arrears Letter Fee - Default Notice prior to Enforcement
    $70
  • DE Mistaken Payment Return Req
    $50
  • Direct Entry Recall of Funds

    Applies to Direct Debit, Direct Credit and OSKO payments

    $40
  • Disputed Transaction Fee
    $35
  • Honour Charge
    $8
  • Overlimit Fee

    100% waived when the Overlimit amount <= $50.000000

    $30
  • RTGS Payment Received Fee
    $7.20

Other fees1

  • Other Service Fees

    Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges

    Varies

Features

Digital bankingUnlimited transactionsBalance transfers55 interest-free daysAPPLE PAYGOOGLE PAYSAMSUNG PAY
  • A low competitive interest rate on both purchases and cash advances

Eligibility and limits

  • Minimum age 18
  • Available to individuals
  • Amount $500 to $60,000

Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 15 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.