Queensland Police Credit Union Bluey Rewarder Visa Credit Card Review

Information verified correct on December 5th, 2016

Enjoy the power of purchasing — redeem your rewards through any EFTPOS terminal and get up to 55 interest-free days on purchases.

The Queensland Police Credit Union (QPCU) Bluey Rewarder Visa Credit Card, with its Rewarder program, gives you great freedom when it comes to redeeming your reward points.

You earn these points in accordance to how much you spend using your card. If you’re not keen on earning rewards, you can consider looking at what the QPCU Bluey Visa Credit Card has to offer.

Product NameQueensland Police Credit Union Bluey Rewarder Credit Card
Rewards ProgramRewarder Rewards Program
Purchase rate (p.a.)17.24% p.a.
Annual fee48 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.)17.24% 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 RepaymentGreater of $25 or 2% of balance
Minimum Income$20,000
Card TypeVisa
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
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$20,000
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 Fee48 p.a.
Minimum RepaymentGreater of $25 or 2% of balance
Late Payment Fee$8
Over Limit Fee$8
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
BPAYYes
ChequeYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Rewards ProgramRewarder Rewards Program
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) Cap10,000
Rewards Points per $ (AMEX) CapN/A
Points ExpiryNever

QPCU Bluey Rewarder Visa Credit Card Review

The Rewarder program that your Bluey Rewarder Visa Credit Card comes linked to allows you to redeem your reward points for regular purchases at any EFTPOS terminal. If you use this card in the right manner, you can get up to 55 interest-free days on purchases. The card comes with a nominal annual fee and a competitive rate compared to other rewards credit cards.

Benefits of the Bluey Rewarder Visa Credit Card

  • Rewards program. A number of credit cards that come linked to rewards program have limitations when it comes to redeeming reward points, but this is definitely not the case with the Rewarder program. Through this card you can redeem your accumulated points at any store that accepts EFTPOS payments, so you can use your reward points to buy groceries, and even pay bills. Every dollar you spend earns one rewarder point, and 150 rewarder points convert to one dollar.
  • Easy access to funds. You can use your QPCU Bluey Rewarder Visa card at any EFTPOS terminal or ATM that displays the Visa logo, anywhere in the world. You can also use this card to make purchases and pay bills, both online and over the phone.
  • Multiple payment options. You can make online payments, via the QPCU online and mobile banking platforms, and you can also make payments by calling the QPCU helpline. If you pay credits to a QPCU account, you can set up payroll deductions, and you can also set up direct transfers from a QPCU savings account. You can mail cheques, you can make payments at Westpac branches, and you can pay via BANK@POST.

Features of the Bluey Rewarder Visa Credit Card

  • Annual fee. You'll have to pay a nominal annual fee of $48 p.a. every year for the life of the card.
  • Interest-free days. If you pay the account’s closing balance in full every month, you can take advantage of up to 55 interest-free days on purchases.
  • Credit limit. The minimum and maximum credit limits of this card are $1,000 and $25,000, respectively.
  • Rewards. What sets this rewards program apart from others is that it allows you to redeem your accumulated reward points through any EFTPOS terminal. Enjoy convenience with your rewards points.
  • Additional cards. You can ask QPCU to provide an additional cardholder for any individual over 16 years of age. Additional cardholders should meet identity verification requirements.
  • Card security. ORION, SPCU’s locally-based fraud management service provider, monitors your card activity for suspicious transactions and notifies you immediately if anything is detected.
  • Verified by Visa. This online program provides additional security when you use this card for online transactions.
Back to top

How to apply for the Bluey Rewarder Visa Credit Card from QPCU

You can apply for this card online, you can apply over the phone, you can visit any branch to apply, or you can download an application and mail or fax it once it’s complete. To apply, you'll first need to establish if you meet the following criteria:

Eligibility criteria:

  • You are a government employee and live in Queensland, or
  • Your job entails justice and protection of life and property, or
  • You are a relative of a QPCU member

Required documentation:

  • Personal details like your date of birth, marital status, and number of dependants
  • Your employment status, and the name and contact details of your employer
  • Details about your income, expenses, liabilities, and debts

While this credit card allows you to redeem your reward points at EFTPOS terminals, there are other cards that offer this feature, so take some time to compare it with others before making a decision.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

Credit Cards Comparison

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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
feedback