QBANK is a member-owned financial institution that has been operating since 1964. It was previously known as Queensland Police Credit Union (QPCU) and offers financial products and services to current and previous employees from Queensland police, ambulance, fire, nursing, emergency services and public sector, as well as their family members. QBANK offers one credit card, the Bluey Visa, which has a low interest rate, balance transfer offer and worldwide acceptance through the Visa card network.
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Types of credit cards from QBANK
Low rate credit card
The QBANK Bluey Visa credit card has a 12.49% variable interest rate, which is competitive with other low rate credit cards. But unlike many other cards in this category, it also offers no annual fee ever. This gives you a way to save on both interest charges and account costs.
Benefits of a QBANK credit card
Visa benefits
You can use a QBANK credit card in over 200 countries around the world, anywhere Visa is accepted. You also get added security online with Visa Secure and access to exclusive entertainment, travel and lifestyle offers through Visa Offers + Perks.
Contactless and mobile payments
You can add your credit card to Apple Pay and Google Pay to make payments straight from your mobile phone or device.
Account management
QBANK offers internet and mobile banking, as well as phone and branch services, so you can access your account details from anywhere.
How to apply
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
Age. You must be at least 18 years of age to apply for a credit card.
Employment and industry. As QBANK is focused on state and government service industries, you can only apply if you live in Queensland and are a current or former government employee (local, state or federal), or if your job involves justice and protection of life and property. This includes if you work for Queensland police, fire and emergency services, the ambulance service, corrective services, health services or if you volunteer for the SES, Rural Fire Service, St John's Ambulance or Surf Life Savers. You can also apply if you are a spouse, sibling, child or parent of a QBANK member (alive or deceased). If you have questions about your eligibility, you can call QBANK on 13 77 28, Mon-Fri between 8:45am and 4:30pm (AEST).
Documents and details
Personal details. This includes your name, date of birth, marital status, number of dependents, phone number, email address and residential address. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare card details.
Employment details. This covers your current job title, salary, length of time in the role and your employer's contact details. You may also be asked for recent payslips or bank statements to help verify these details.
Financial details. As well as your salary, you need to include details of any other forms of income, as well as savings, other assets and existing cards, loans, debts or other liabilities. You also need to provide an estimate of your share of regular household expenses including rent, mortgage payments, utility bills and essentials.
If you have a question about your application, you can call QBANK on 13 77 28.
Credit card brands similar to QBANK
If you want a credit card from a member-owned bank or one based in Queensland, here are 3 other credit card providers you could compare with QBANK:
As a primary cardholder, you can request an additional card for any individual over the age of 16 years. Just keep in mind that you'll be responsible for all repayments and account management.
Your QBANK Bluey Visa credit card statement outlines all the ways you can pay off your balance. This includes:
Direct debit payments from an approved Australian bank account
Cash deposits or electronic transfer of funds
Cheques (allow up to 10 days to process)
Check your credit card statement or call QBANK on 13 77 28 for more details of ways to pay your account.
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, you should also inform QBANK as soon as possible.
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 city. This member-owned bank offers a variety of financial services and products, which include transaction accounts, savings accounts, term deposits, credit cards, home loans, personal loans, and insurance solutions.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
Amy's expertise
Amy has written 543 Finder guides across topics including:
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