Compare QBANK credit cards with low rates, no annual fee and reward options.
QBANK credit cards are designed to suit different needs, with one card offering low rates and fees and another offering rewards. QBANK was previously known as Queensland Police Credit Union (QPCU) and these cards are available to current and previous employees from Queensland police, ambulance, fire, nursing, emergency services, and public sector as well as family members. Use this guide to compare QBANK credit cards and learn more about the features and benefits available so that you can decide if a QBANK credit card is right for you.
Types of credit cards that QBANK offers
QBANK offers two Visa credit cards, with features including low interest rates, no annual fee, balance transfers and rewards.
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.
Rewards credit cards
When you use a rewards credit card, you can expect to earn reward points in accordance to how much you spend. The QBANK Bluey Rewarder Visa Credit Card comes linked to a rewards program that offers you cashback for your everyday spending. It also gives you up to 55 interest-free days on purchases when you pay your balance in full by the due date on your statement.
Benefits of QBANK credit cards
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 both QBANK credit cards 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.
Rewards with a difference
The Bluey Rewarder Visa Credit Card gives you access to the Rewarder program, allowing you to collect points per $1 spent. For every 150 Rewarder points you collect, you'll get $1 of value that you can redeem anywhere eftpos is accepted in Australia.
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.
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.
- 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 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, with a cashback rewards option if you want to get something extra for paying with plastic. 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 on 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.
Does the rewarder program attract a fee?
No, enrolment into this program is free for Bluey Rewarder Visa cardholders.
How can I track my reward points?
Your credit card statement tells you how many points you have and you can also turn to the Rewarder website to check.
Do the reward points expire?
These points don’t expire as long as an account is active and in good standing.
How do I earn reward points?
You earn reward points when you use your Bluey Rewarder credit card to make purchases, and this includes purchases made in foreign currency.
How do I redeem reward points?
The points that accumulate in your Rewarder account convert into dollar value. You can use your rewarder card to make purchases at any merchant in Australia who accepts payments via eftpos.
Are these rewards points the same as cash?
While you can use your reward points at eftpos terminals for making purchases, you cannot get cash out, and you cannot withdraw your reward points using ATMs.
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.