Queensland Country Bank is a member-owned bank that's been operating since 1971. It offers a choice of Visa credit cards with low-cost features, including one for business spending.
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The Queensland Country Bank Visa credit card has a 14.45% p.a. interest rate for purchases and cash advances, which is competitive with other low rate credit cards. It also has a low annual fee of $39. With this card, you also have the option of earning cashback rewards for an additional annual rewards fee of
Cashback credit card
The Queensland Country Bank Visa My Rewards Credit Card gives you a way to get cash back through the Rewarder program. With this program, you earn 1 reward dollar for every $150 of eligible spending. The reward dollars are credited to your card, giving you an equivalent to around 0.66% cashback. This card also offers a 14.45% p.a. interest rate for purchases and cash advances, which is competitive for a cashback credit card.
Business credit card
The Queensland Country Bank Business Visa credit card has a low interest rate of 14.45% p.a. and interest-free days on purchases if you pay the balance in full each month. It also offers free additional cards for employees or business partners and automatic enrollment in the Rewarder cashback rewards program. The annual fee for this card is $85, which is competitive with other business credit cards.
The benefits of banking with Queensland Country Bank
Visa benefits
You can use a Queensland Country Bank credit card in-store, online, over the phone or at ATMs that show a Visa logo. If you're shopping in person, you can make contactless payments and won't have to enter a PIN for purchases of less than $100. You also get access to shopping, dining, entertainment and travel deals through Visa Offers + Perks.
Mobile wallets
Queensland Country Bank credit cards can be added to Apple Pay and Google Pay accounts so that you can make payments straight from your mobile device (instead of pulling out your card every time you shop).
Security
Queensland Country Bank credit cards have the protection of Visa's Zero Liability Policy for any fraudulent transactions. The bank also has a 24-hour fraud monitoring service to help detect suspicious transactions and keep your account safe. Plus, you can report your card as lost or stolen at any time through Internet or mobile banking.
How to apply
You can apply for a personal Queensland Country Bank Visa credit card online by filling in a secure application form on the bank's website. If you want a Business Visa, you can fill in an enquiry form on the bank's website instead.
As part of the application, you'll need to make sure you meet the eligibility requirements and have all the documents and details needed. These vary between the cards but include the following:
Eligibility criteria
Australian residency status. You must be an Australian citizen or permanent resident.
Credit history. You should not have any bankruptcy listings on your credit report.
Age. You must be at least 18 years of age.
Employment. You must currently have paid employment if you're applying for a Queensland Country Bank Visa credit card for personal use.
Business requirements. If you're applying for a Queensland Country Bank Business Visa, you need to provide details of your business including the ABN, years in operation and annual income or revenue.
Membership. If you're already a member of Queensland Country Bank, you can provide your details when you apply. If you're new, you can become a member if your application is approved.
Documents and details
Personal details. This includes your full name, date of birth, residential address, email address, phone number and a valid form of ID, such as your driver's licence.
Employment details. As well as your salary, this includes your occupation, length of employment and your employer's contact details. You may also need to provide recent payslips, tax assessment notices or bank statements to help verify your financial details.
Business details. If you're applying for a business credit card or are self-employed, you'll need to include details of your business including its name, address, contact number and financial details. You may also need to provide your accountant's details or recent tax assessment notices to help verify these details.
Financial details. This covers any other forms of income, savings and other assets, as well as existing credit cards, loans, debts or other liabilities. You also need to include details of your regular household spending on essentials such as rent or mortgage payments, utility bills and groceries.
If you have any questions about the application, you can call Queensland Country Bank on 1800 075 078 or visit a branch.
Credit card brands similar to Queensland Country Bank
If you want credit card from a bank with a regional focus, here are 3 other credit card providers you could compare with Queensland Country Bank:
You can report your card as lost or stolen at any time through Internet banking or the Queensland Country Bank mobile app. You can also call Queensland Country Bank on 1800 075 078 during office hours. After hours, you can call Queensland Country Bank's third-party card and bank security service on 1800 621 199 or +612 9959 7686.
With the Queensland Country Bank Visa My Rewards Credit Card, the reward dollars are automatically transferred onto your credit card account each month.
Queensland Country Bank is a member-owned financial institution and subscribes to the Customer Owned Banking Code of Practice. Its entity details are: ABN 77 087 651 027, AFSL/Australian Credit Licence 244 533.
Contact details and related links
Queensland Country Bank phone number: 1800 075 078
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
The Queensland Country Bank Visa My Rewards Credit Card offers ways to get value through spending or saving on account costs, with cash rewards and relatively low rates and fees.
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