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QBANK Bluey Visa Credit Card
QBANK Bluey Visa Credit Card

QBANK Bluey Visa Credit Card

Updated 27 November 2019

Purchase Rate (p.a)

11.99%

Balance Transfer (p.a)

0% for 12 months No BT fee. reverts to 11.99% p.a.

Annual Fee (p.a)

$0

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for the first 12 months
  • $0 annual fee
  • 11.99% p.a. interest rate on purchases
  • Up to 55 days interest free on purchases

  • Only available to QBANK members

Creditcard.com.au review

Editor Review

QBANK Bluey Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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

QBANK Bluey Visa Credit Card ( based on 1 Creditcard.com.au user review )

62% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 11.99% p.a.

Cash advance rate 11.99% 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 11.99% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from QBANK

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee N/A

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

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
  • 11.99% 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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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