Up to 55 days interest free
Low annual fee
Same low rate on purchases & cash advances

A credit card is a great way to make purchases, and if used effectively, can even be a good way of managing your budget. We've loaded all the great features you're looking for onto one card - a low purchase rate, a low cash advance rate with no cash advance fee (something you don't often see!), and a low annual fee.

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Online Application

Internet Lending Privacy Collection Notice

Queensland Country Bank collects your personal information to assess your application, verify your identity, manage any products or services you hold with us, and comply with our legal and regulatory obligations (including under the Privacy Act 1988 (Cth), Privacy (Credit Reporting) Code and Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006)

Our Privacy and Credit Reporting Policy explains how we manage your personal information, how you can access or correct it, and how to make a privacy or credit reporting complaint. Our Privacy and Credit Reporting Notification outlines how Queensland Country responsibly handles the collection, use, storage, and disclosure of your personal information, including credit-related details and credit reporting (including the credit reporting bodies we deal with).

Our Electronic Identity Verification Collection Notice explains how we will manage your personal information if you consent to us verifying your identity documents (e.g., Australian drivers licence) electronically using the Attorney-General’s Department’s Document Verification Service (DVS). You do not have to agree to verify your identity documents electronically. If you prefer not to provide your identity information online, you will be able to choose to verify your identity in person at a Queensland Country branch using your identity documents.

 

Consent

By continuing with your application, you:

 

Products issued by Queensland Country Bank Limited ABN 77 087 651 027 AFSL/Australian Credit Licence 244 533 are subject to applicable conditions, fees and charges, which may vary or be introduced over time. Further information and terms and conditions are available upon request. Approval of credit products is subject to our lending criteria. The information provided is general and does not consider your individual objectives, financial circumstances or needs. Before acting, assess whether the product is suitable for you. Please review the relevant disclosure documents, before making any decision. Target Market Determinations for our products can be accessed at any time.

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Features

  • Up to 55 days interest free on purchases
  • Low $39 annual fee
  • Additional cardholders for free
  • Visa payWave
  • Easy payments through Apple Pay and Google Pay
  • Access to exclusive offers through Visa Entertainment
  • Security and peace of mind under the Visa Zero Liability protection
  • The same rates for purchases and cash advances
  • Access to over 2 million ATMs in more than 200 countries

Grey or orange, the choice is yours!

Choose the colour of your visa credit card

Rates & Fees

Purchase rate 14.49Interest rate
Fees
Annual fee $39

Interest rate from

14.49 Percent per annum

Apply online

Information you need to know

Rates are subject to change: Variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Credit approval and terms: Normal lending criteria, terms and conditions apply and will be included in our Offer and Loan Contract.

No interest free period applies on cash advances. Normal lending criteria applies to credit cards. Members must be 18 years or over, permanent residents of Australia and currently live in Australia. Additional card holders must be 16 years or over.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Financial Services Guide; Target Market Determination; Credit Card brochure; Credit Guide; Fees and Charges brochure; Account and Access Facility Conditions of Use; Personal Loan & Credit Card Interest Rate Schedule and Visa Credit Card Conditions of Use.

Rates and fees effective: 13th April 2026

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