- 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
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.
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.
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:
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.
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.
Purchase rate 11.99% p.a.
Cash advance rate 11.99% p.a.
Interest free period on purchases up to 55 days
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
Minimum credit limit $1,000
Maximum credit limit N/A
Annual fee $0 p.a.
Additional cardholder fee N/A
Foreign transaction fee N/A
Minimum repayment 2% or $25, whichever is greater
Cash advance fee N/A
Late payment fee N/A
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
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 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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