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 standard variable interest rate of 11.99% p.a. and a $0 p.a. 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 on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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
Cash Advance Fee$5
Overseas Cash Advance Fee$5
Foreign Currency Conversion Fee
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
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 competitively low 11.99% p.a. purchase interest rate
  • Up to 55 interest-free on purchases

Cons

  • To qualify for the balance transfer off, 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 standard 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 p.a. 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% 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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

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?

    • Staff
      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

    • Staff
      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 May 26th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 26 months on balance transfers with a one-time 2% balance transfer fee and a $0 first year annual fee.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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.

Ask a question
Go to site