Queensland Country Bank
Visa Credit My Rewards
Our Visa My Rewards Credit Card comes with a competitive low interest rate, rewards program, 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 23 Sept 2026
At a glance
- Purchase rate
- 14.74%
- Cash advance
- 14.74%
- Interest-free days
- 55
- Annual fee
- $89
- Foreign transaction fee
- 3.65%
- Balance transfer
- 14.74%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | — | — | — | 14.74% | — | — |
| Cash advance | — | — | — | 14.74% | — | — |
| Purchase | — | — | — | 14.74% | — | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Insuff. Funds | Dishonour | $8 | — | — |
| Arrears Letter - Second Arrears Letter | Event | $40 | — | — |
| Arrears Letter Fee - Default Notice prior to Enforcement | Event | $70 | — | — |
| DE Mistaken Payment Return Req | Event | $50 | — | — |
| Direct Entry Recall of Funds | Event | $40 | — | Applies to Direct Debit, Direct Credit and OSKO payments |
| Disputed Transaction Fee | Event | $35 | — | — |
| Honour Charge | Event | $8 | — | — |
| Overlimit Fee | Event | $30 | — | 100% waived when the Overlimit amount <= $50.000000 |
| RTGS Payment Received Fee | Event | $7.20 | — | — |
| Transaction Investigation Fee | Event | $15 | — | — |
| Other Service Fees | Other | Varies | — | Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges |
| Visa Annual Fee | Periodic | $89 | Every 1 yr | Annual Visa Card fee is waived under our Ultimate Home Loan Package |
| Overseas Purchase Fee | Transaction | 3.65% of transaction | — | Charged as a percentage of the foreign currency transaction value |
§ 03 — Features
Digital bankingUnlimited transactionsBalance transfers55 interest-free daysAPPLE PAYGOOGLE PAYSAMSUNG PAY
- · A low competitive interest rate on both purchases and cash advances
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to individuals
- · Amount $500 to $60,000
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Queensland Country Bank under the Consumer Data Right, last changed by them on 23 Sept 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.