QBANK Bluey Visa Credit Card

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

The QBANK Bluey Visa is designed to offer affordable access to credit, with a variable interest rate of 11.99% p.a. and a $0 annual fee for life. If you have an existing debt to repay, you can take advantage of a 0% p.a. interest rate on balance transfers for up to 12 months. Purchases are subject to up to 55 days interest-free when you pay your balance in full by the due date on your statement.

If you are a current or former government employee residing in Queensland, your job is primarily about justice and protection of life and property, or you're a relative of a QBANK member, you may be eligible to apply for the Bluey Visa credit card.

If you do not meet these requirements, you can compare other low interest or no annual fee credit cards on finder.

Product NameQBANK Bluey Visa Credit Card
Balance transfer rate (p.a.)0% p.a. for 12 months
Purchase rate (p.a.)11.99% p.a.
Annual fee$0 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)11.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.65% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$0 p.a.
Minimum Monthly Repayment2% of balance or $25 (whichever is greater)
Late Payment Fee$8
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.65% of transaction value
Cash Advance Fee$5
Overseas Cash Advance Fee$5
Gambling Transactions AllowedNo

Pros

  • A 0% p.a. interest rate for up to 12 months on balance transfers with no BT fee
  • An ongoing $0 annual fee
  • A competitive purchase interest rate of 11.99% p.a.
  • Up to 55 days interest-free on purchases

Cons

  • To qualify for the balance transfer offer, you must deposit a salary credit of at least $1,500 per month into a QBANK Everyday Plus transaction account

Review of the QBANK Bluey Visa credit card

This low cost credit card from QBANK is offered exclusively to people working in the Queensland police, emergency services and public sector, as well as their families. Its variable interest rate of 11.99% p.a. applies to both purchases and cash advances, which could make it easier to keep track of interest charges if you carry balances from several different types of transactions.

On the other hand, if you pay off your account balance in full by the due date on each statement, you'll be able to enjoy up to 55 interest-free days on your purchases. As well as these features, this card offers Visa benefits including worldwide acceptance, contactless payments and exclusive offers through Visa Entertainment.

Features and benefits of the QBANK Bluey Visa

Here are the highlights of QBANK's Bluey Visa credit card:

  • No annual fee. Get the convenience of a credit card account with the savings of a $0 annual fee for life.
  • Balance transfer option. This card offers a 0% p.a. interest rate on balance transfers for up to 12 months with no balance transfer fee. In order to take advantage of this offer, you must deposit a salary credit of $1,500 or more per month into a QBANK Everyday Plus transaction account. After the introductory period, any remaining balance will accrue interest at the 11.99% p.a. interest rate.
  • Competitive interest rate. Enjoy a competitive interest rate of 11.99% p.a. for any balance you carry on the card.
  • Interest-free days. You can take advantage of up to 55 days interest-free on purchases when you pay the full amount owed by the due date on your statement. Note that interest-free days are not available for cash advances, Bank@Post withdrawals or balance transfers.
  • Visa benefits. Enjoy contactless payments at the checkout with Visa payWave functionality. Plus get access to exclusive Visa Entertainment offers for tickets, travel and shopping.

Rates and fees for the QBANK Bluey Visa

Weigh up these costs when you're comparing the QBANK Bluey Visa to help decide if it's right for you.

  • Minimum repayment. If you carry a balance on this card, you'll need to pay at least 2% of balance or $25 (whichever is greater) by the due date on your statement.
  • Late payment fee. A fee of $8 applies if you don't pay the minimum amount 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.
  • Currency conversion. A fee of 3.65% applies for transactions made overseas or online in a foreign currency.

How to apply for the QBANK Bluey Visa credit card

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

  • Are you over 18 years old? You have to be at least 18 years of age to apply for a credit card.
  • Do you meet the employment requirements? You're eligible to apply for a QBANK credit card if you're a government employee living in Queensland, if your job involves the justice and protection of life and property or if you're related to an existing QBANK member.

Documents and details

  • Personal details. This includes your full name, date of birth, marital status, number of dependents and contact details.
  • Employment details. You'll need to provide your employment status, role, salary and the name and contact details of your employer. You may also be asked to provide recent payslips.
  • Financial details. This includes details about your income, expenses, liabilities and any existing debts.

With no annual fee and a competitive interest rate, the QBANK Bluey Visa credit card keeps costs down without offering many extras. You can compare this card to other options on the market to help you find one that's right for you.

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3 Responses

  1. Default Gravatar
    NicoleSeptember 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?

    • finder Customer Care
      SallySeptember 15, 2015Staff

      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

    • finder Customer Care
      JonathanSeptember 15, 2015Staff

      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

Credit Cards Comparison

Rates last updated December 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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