QBANK Credit Cards

Comparison of QBANK Credit Cards

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Name	Product	Purchase rate (p.a.)	Interest Free Period	Annual fee	Balance transfer rate	Balance transfer rate
QBANK Bluey Visa Credit Card		11.99% p.a.	Up to 55 days on purchases	$0 p.a.	0% p.a. for 12 months	0% p.a. for 12 months	Available to select QLD employees, receive a 0% p.a. for up to 12 months on balance transfers and a $0 annual fee.	More Info	Compare	loading Fetching your data...

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Types of credit cards that QBANK offers

QBANK offers one Visa credit card, with features including low interest rates, no annual fee, and a balance transfer offer.

• Low rate credit cards

A low rate credit card comes with the distinct advantage of a low interest rate but might not offer much else in the form of features. The QBANK Bluey Visa Credit Card does not attract any annual fee and also offers you up to 55 interest-free days on purchases when you pay the account balance in full by the due date on your statement. When you deposit a salary credit of at least $1,500 per month, you can also take advantage of a balance transfer offer.

Benefits of using a QBANK credit card

When you bank with QBANK, you can look forward to paying reduced fees and charges as well as competitive interest rates, given that, like other credit unions, QBANK diverts its profits into its own functioning. Getting a credit card through QBANK comes with various benefits, which include the following.

• Easy access to funds

You can use a QBANK credit card to make in-store purchases as well as for shopping over the phone or online. Millions of merchants across 200 countries accept Visa as a form of payment, so you can use these cards globally. For cash advances, you can turn to any ATM that displays the Visa logo.

• Visa benefits

QBANK credit cards come with Visa payWave functionality so you can make contactless payments at the checkout. You can also get added security online through Verified by Visa and enjoy exclusive entertainment, travel and lifestyle offers through Visa Entertainment.

• Contactless payments

You can link your credit card with Google Pay or Apple Pay to make contactless payments using your qualifying device at the checkout.

How to apply for a QBANK credit card?

You can apply for a QBANK credit card online in a few minutes. Before you get started, make sure you meet the following eligibility requirements and have all the relevant documents and details on hand.

Eligibility requirements

• Are you over 18 years old? You must be at leats 18 years of age to apply for a credit card.
• Do you meet the employment requirements? You can apply for a QBANK credit card if you're a current or former government employee living in Queensland, if your job involves justice and protection of life and property or if you are a relative of a QBANK member.

Documents and details

During the application process, you'll need to provide a range of details that could include the following:

• Personal details. Start by providing your name, date of birth, marital status, number of dependents, phone number, email address, residential address, and mailing address.
• Income. This section requires details about income from all sources.
• Assets. Provide details about assets like real estate, vehicles, savings, and investments.
• Expenses. Examples of expenses include utility bills, fuel, food, and school fees.
• Liabilities. You have to provide details about existing loans, credit cards, store cards, and any other form of credit.

QBANK credit cards offer competitive rates and fees and other Visa benefits. Remember to compare these cards to others on the market so that you can find one that suits your needs.

Frequently asked questions

Here, you’ll find answers to frequently asked questions about QBANK credit cards. If you want to know more or have a specific question, you can also get in touch with us using the form below.

• Can you tell me more about QBANK?

  QBANK was established as the Queensland Police Credit Union (QPCU) when it began operations in 1964. It offers membership to employees from Queensland police, ambulance, fire, nursing, emergency services, and public sector as well as their family members. Its head office is in Brisbane, and it has branches in Kedron and Oxley. This credit union offers its members an array of financial services and products, which include transaction accounts, savings accounts, term deposits, credit cards, home loans, personal loans, and insurance solutions.

• How quickly can I complete the online application?

  The online application should take around 10 to 15 minutes to complete, as long as you have all the required information at hand when you start. You have the option of saving your application in between, and you can access it again for up to 60 days.

• Can I check the status of my application?

  Yes, you can check your application’s status online or by calling QBANK at 13 77 28.

• Can I get an additional card?

  You, as a primary cardholder, can ask QBANK to issue an additional for any individual over the age of 16 years. QBANK does not have to oblige to your request, and it may impose certain conditions when it comes to using the additional card.

• What is the credit limit and can I apply for an increase?

  The minimum and maximum credit limits of these Visa credit cards are $1,000 and $25,000, respectively. You can apply for an increase in your card’s credit limit but QBANK does not have to agree. If QBANK feels your existing financial condition does not justify an increase, it will decline your request.

• How can I make repayments?

  You can make payments towards your credit card using QBANK Internet or mobile banking platforms, at any time. You can call QBANK on 13 77 28 at any time and make payments by transferring funds from a QBANK account. You can set up automatic repayments using a nominated QBANK savings account, and if your pay credits to a QBANK savings account you can also set up automatic payroll deduction. You can make payments by visiting any Westpac branch and you can make payments via Bank@Post. You also have the option of mailing cheques.

• What should I do if I lose my card?

  To report a lost or stolen credit card during business hours call QBANK on 13 77 28. Outside business hours you should call the Visa hotline on 1800 621 199. If you call the Visa hotline, inform QBANK of the same as soon as possible.