- 0% p.a. on balance transfers for the first 12 months
- $0 annual fee
- 12.49% p.a. interest rate on purchases
- Up to 55 days interest free on purchases
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QBANK Credit Cards
QBANK Bluey Visa Credit Card
Updated 18 December 2023
Enjoy 0% p.a. on balance transfers for 12 months. Plus, save up with low purchase rate, no annual fee, and up to 55 days interest free on purchases. T&Cs apply.
Purchase Rate (p.a)
12.49%
Balance Transfer (p.a)
0% for 12 months
No balance transfer fee.
Reverts to 12.49% p.a.
Annual Fee (p.a)
$0
Pros and cons
- Only available to QBANK members
Creditcard.com.au review
Editor Review
QBANK Bluey Visa Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The QBANK Bluey Visa Credit Card
Available to Queensland’s police officers and paramedics, firefighters and health workers, emergency service workers, correctional service officers and government employees (as well as their family members), the QBANK Bluey Visa Credit Card is a low cost card with a low purchase rate, no annual fee and up to 55 days interest free on purchases. It also currently offers 0% p.a. on balance transfers for 12 months.
What we love...
As a card that has been awarded a 5-star rating by Canstar for outstanding value, the QBANK Bluey Visa Credit Card certainly has a lot to offer. First up, let’s look at that introductory offer on balance transfers. If you want to pay down your credit card debt, this offer could help, giving you 12 months with 0% p.a. on balance transfers.
One of the best things about this offer is the fact that it comes on a card with few frills and no annual fee. Instead of paying an annual fee, you can use that extra cash to pay down your transferred balance. And with no frills – such as rewards that encourage spending – you can simply concentrate on clearing your balance to pay it down to zero.
Ongoing, the card has a nice, low purchase rate. This could be of benefit to you if you carry a balance on your card. Why? When you frequently carry a balance, it’s a good idea to choose a card with a low purchase rate, as this will minimise the amount of interest you pay. This, in turn, should allow you to pay off your balance sooner.
Once you have paid off your balance – and continue to do so month to month – you can take advantage of the card’s interest free feature. This gives you up to 55 days interest free on purchases, so you can keep your interest costs at zero. With no annual fee to pay, this card could help you to keep costs to an absolute minimum.
What’s not so great...
The main thing to keep in mind when weighing up the pros and cons on this card is the fact that membership is not open to the general public. Membership is required – and to become a member, you must be a:
- Local, State or Federal Government employee residing in Queensland
- Queensland Police Service employee
- Queensland Fire and Emergency Services employee
- Queensland Ambulance Service employee
- Queensland Corrective Services employee
- Queensland Health employee
- Australian State or Federal Police employee
- Queensland Police Union employee
- QBANK employee
- Queensland Police Youth Club employee or volunteer
- Any person engaged in the administration of justice, protection of life or property, or the provision of related community services (eg. SES volunteers, Rural Fire Service volunteers, St Johns Ambulance officers, Surf Life Savers)
- Member of a mutual bank or credit union established for employees of any Australian state or federal police service, armed services, or customs and border protection service
- Or, a family member of one of the above.
Why should you choose this card?
As long as you are eligible for membership, you can join QBANK to enjoy the many benefits of being part of a mutual bank. As you can see, on the QBANK Bluey Visa Credit Card, that means low fees and low rates. Using this card correctly could allow you to save some serious money, backed by QBANK service and support.
As QBANK was awarded Best Mutual in the RFi Group Australian Lending Awards for 2019, you know they must have something worth checking out. Perhaps the QBANK Bluey Visa Credit Card is for you? Take a look the bank’s page for more info and to apply.
Overall Rating
The QBANK Bluey Visa Credit Card is a low cost card with no annual fee and a low purchase rate, currently offering 0% p.a. on balance transfers for 12 months.
User reviews
Rates and fees
Interest rates
Purchase rate 12.49% p.a.
Cash advance rate 12.49% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 12.49% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit N/A
Brands you can't balance transfer from QBANK
Credit limits
Minimum credit limit $1,000
Maximum credit limit $35,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee N/A
Foreign transaction fee 3.65%
Minimum repayment 2% or $25, whichever is greater
Cash advance fee $4
Late payment fee $8
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
QBANK Bluey Visa Credit Card
Key features
- 0% p.a. on balance transfers for the first 12 months
- $0 annual fee
- 12.49% p.a. interest rate on purchases
- Up to 55 days interest free on purchases
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Resident or Australian Citizen
-
Minimum income of $20,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
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