Queensland Country BankLine of Credit
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
- Variable
- 8.94%
- Upfront fee
- $250
- Monthly fee
- $0
How it compares
This overdraft 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.
Lowest advertised rate open to anyone, including lines of credit secured against a home. One dot per institution, at its lowest personal overdraft or line of credit rate anyone can apply for; hover or tap a dot for its name.
| Rate | This overdraft | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal overdraft or line of creditLowest advertised rate open to anyone, including lines of credit secured against a home | 8.94% | 7.49%Police Credit Union Limited's Allegro Line of Credit | 9.25%of 15 institutions | 6th lowest of 15 |
Rates
Every rate Queensland Country Bank publishes for this overdraft, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableLine of Credit - Ultimate Home Loan Package | - | - | - | 8.94% | - | Applicable for Ultimate Home Loan Package holders |
| VariableLine of Credit | - | - | - | 9.44% | - | - |
Fees
19 fees published, grouped by when they're charged.
- When you take it outUp to $2503 fees, each listed below
- While you hold itUp to $3953 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out3
- LOC Establishment Fee
Charging on Origination LOC Establishment Fee
$250 - Mortgage Document Fee
Charging on Origination Mortgage Document Fee
$250 - Val Fee - PropertyHub$50
While you hold it3
- Annual Facility Fee
Ultimate Home Loan Package
$100 a year - Monthly Account FeeNo fee
- Package Fee
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 nomi… Stand-alone Line of Credit Ultimate Home Loan Package
$395 a year
When you make a transaction1
- Overseas Purchase Fee
Charged as a percentage of the foreign currency transaction value
3.65% of transaction
If a payment is late or fails1
- Dishonour Insuff. Funds$8
When particular things happen9
- 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$40
- Disputed Transaction Fee$35
- Honour Charge$8
- Overlimit Fee
On a fee for maintaining a set balance
$30 - RTGS Payment Received Fee$7.20
- Transaction Investigation Fee$15
Other fees2
- Other Credit Fees
Refer to our Fees and Charges brochure for information on other fees and charges which may apply.
Varies - Other Service Fees
Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges
Varies
Features
- Continual credit facility.
Eligibility and limits
None published.
Compare it with others
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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.