QBANK Bluey Visa Credit Card

Save on costs with a competitive interest rate and no annual fee 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 13.24% p.a. and no annual fee for life. You can also get up to 55 days interest-free when you pay your balance in full by the due date on your statement.

Product NameQBANK Bluey Visa Credit Card
Purchase rate (p.a.)13.24% 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.)13.24% 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
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Minimum Monthly Repayment2%
Card TypeVisa
Late Payment Fee$30
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
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$25,000
Annual Fee$0 p.a.
Minimum Repayment2%
Late Payment Fee$30
Over Limit Fee$30
Cash Advance Fee$5
Overseas Cash Advance Fee$5
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
Gambling Transactions AllowedNo
Additional Cardholder Fee$0 p.a.
BPAYYes
ChequeYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

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. It's standard variable interest rate of 13.24% 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 also be able to enjoy 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 while paying a $0 p.a. annual fee.
  • Competitive interest rate. Enjoy an interest rate of 13.24% p.a. for any balance you carry on the card.
  • Interest-free days. You can enjoy 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% the closing balance by the due date on your statement.
  • Late payment fee. A fee of $30 applies if you don't pay the minimum amount by the due date on your statement.
  • Cash advance fee. A fee of $5 apples when you use your card to withdraw money or for any other cash advance 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 is about 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, read the PDS 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 October 17th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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