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QBANK Bluey Visa Credit Card

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Save money with a competitive interest rate, a $0 annual fee and a 0% balance transfer offer with the QBANK Bluey Visa credit card.

The QBANK Bluey Visa charges a 11.99% p.a. variable interest rate for new purchases. If you have an existing debt to repay, you can take advantage of a 0% interest rate on balance transfers for the first 12 months.

0% p.a.

Balance transfer rate

for 12 months

11.99% p.a.

Purchase rate

$0 p.a.

Annual fee

55 days

Interest free period

Details

Product NameQBANK Bluey Visa Credit Card
Balance transfer rate0% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (11.99% p.a.)
Purchase rate11.99% p.a.
Annual fee$0
Interest-free period55 days
Cash advance rate11.99% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3.65%
Available to temporary residentsNo
Joint applicationYes

Pros

  • 0% interest rate for up to 12 months on balance transfers, with no balance transfer fee
  • Ongoing $0 annual fee
  • A low purchase interest rate of 11.99% p.a.
  • Up to 55 days interest-free on purchases

Cons

  • No rewards program and insurance covers
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$8
Foreign currency conversion fee3.65%
Cash advance fee5%
Overseas cash advance fee5%

Expert review

Amy Bradney-George

Review by


Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

Expert review

The QBANK Bluey Visa is a low-cost credit card that’s available exclusively to Queensland police, emergency service workers, health workers, correctional service officers and government employees. It offers the valuable combination of a $0 annual fee for life and a low interest rate of 11.99% p.a. (variable). In comparison, most other low rate cards charge an annual fee, while most no annual fee cards have higher ongoing interest rates.

How to apply

You can apply for the QBANK Bluey Visa online in a few minutes. But before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.

Eligibility requirements

  • Age. You have to be at least 18 years of age to apply for a credit card.
  • Employment. You're eligible to apply for a QBANK credit card if you're a Queensland police officer, ambulance worker, firefighter, health worker, emergency service worker, correctional service officer or government employee (both state and federal, as long as you're a Queensland resident). You can also apply if you're a former member of one of these professions, or if you're a spouse, sibling, child or parent of a current or former QBANK member.

Card benefits

  • No annual fee. The QBANK Bluey Visa credit card charges a $0 annual fee for life.
  • Balance transfer offer. Pay off existing debt with an introductory 0% interest rate on balance transfers for 12 months with no balance transfer fee. After the introductory period, any remaining balance will be charged at the 11.99% p.a. interest rate.

Rates & fees

  • Minimum repayment. If you carry a balance on this card, you'll need to pay at least 2% or $25 (whichever is greater) by the due date on your statement.
  • Cash advance fee. A fee of 5% applies when you use your card to withdraw money or for any other cash equivalent transaction.

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3 Comments

  1. Default Gravatar
    Nicole
    September 14, 2015

    I am paying for tours to NZ as I am going to New Zealand on the 14th of November on my Visa Mastercard but my purchases will not be finalised as my card expires in November this year but my purchases are due in November. Is there any chance I can renew my card prior to the expiry date earlier than November so that I can pay for my tours?

    • Avatarfinder Customer Care
      Sally
      September 15, 2015

      Hi Nicole,

      Thanks for your inquiry.

      Just to confirm, you have come through to finder.com.au not QPCU. The replacement credit card will be delivered automatically to your address approximately at the end of the month that your card expires. For earlier replacements it would be best to contact QPCU directly to confirm if they can process the renewal and send the new card earlier than November.

      Please refer to the contact details I have sent to your email.

      I hope this has helped.

      Thanks and safe travels,

      Sally

    • Avatarfinder Customer Care
      Jonathan
      September 15, 2015

      Hi Nicole,

      Thanks for your inquiry.

      Just to confirm, you have come through to finder.com.au not QPCU. The replacement credit card will be delivered automatically to your address approximately at the end of the month that your card expires. For earlier replacements it would be best to contact QPCU directly to confirm if they can process the renewal and send the new card earlier than November.

      Please refer to the contact details I have sent to your email.

      I hope this has helped.

      Cheers,

      Jonathan

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