Balance Transfer0% balance transfer for 12 months
- Last updated on 03 Aug 2020
Balance Transfer Rate
for 12 months then 11.99%
Max Free Days
- Balance Transfers Available
- No Annual Fee
- Free supplementary cards
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
No set max
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
for 12 months then 11.99%
of the approved credit limit
Balance Transfer Fee
Foreign Exchange Fee
3.65% on Visa
Estimated ATM Cost
for AU $300 withdrawal
- FREE SUPPLEMENTARY CARDS
- Balance Transfer 0% balance transfer for 12 months
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QBank is a member-owned financial institution based in Queensland. QBank was established in 1964 as the Queensland Police Credit Union. The company name was changed to QPCU Limited in 2015 before becoming QBank in 2016. QBank is headquartered in Brisbane and operates three bank branches in Queensland.
Membership for QBank is open to the employees and families of Queensland service groups, including government, police, corrective, ambulance and fire services, among others.
The QBANK Bluey Visa credit card offers a moderately low interest rate and a moderate number of interest-free days with no annual fee.
Zero per cent balance transfers are available for an introductory period. After this time, the interest rate reverts to the one moderately low interest rate which also applies to cash advances.
Additional cardholders can be included on the primary account. There is no annual fee for the extra cards, and each person with a card needs to be at least 16 years old.
As a cardholder, you could enjoy the benefits of a Visa card, which includes a range of security features.
Verified by Visa protects against the unauthorised use of your credit card when shopping online at participating merchants. Contactless transactions are supported by Visa payWave.
- No annual fee
- No late payment fee
- Extra cardholders at no cost
- No rewards program
- For eligible QBANK members
- Emergency card replacement fee
Who is it good for?
The QBANK Bluey Visa credit card is available to existing or eligible QBANK members only. If you or a member of your family do qualify, this card may appeal as a low-cost credit card.
There’s no annual fee for the primary or additional cardholders, and the one moderately low interest rate applies to purchases, cash advances and balance transfers.
If you’re looking to earn rewards or points for using a credit card, this may not be a suitable option.
This credit card offers a budget-friendly option with all the benefits offered by Visa. If security is an important feature of a credit card, this card could meet that need.
Visa uses 3-D Secure, a password-protected authentication system designed to confirm the identity of the cardholder.
Visa Checkout is an app that offers a safe online shopping experience from any compatible device without the need for your card.
What RateCity says
If you’re an existing or eligible member of QBANK, the QBANK Bluey Visa credit card presents an uncomplicated option.
With no annual fee and the one moderately low interest rate, this credit card could be an option for day-to-day use.
There’s no rewards or points scheme attached to the card, so it may not suit someone wanting to accumulate points from their transactions.
It doesn’t offer a complimentary emergency card replacement, and there are fees associated with its use, such as ATM fees, fees for cash withdrawals and dishonour fees.
For online shopping and bill payments, this card could help make budgeting easier with a moderate number of interest-free days.
Being a Visa credit card, the security features provide a safe user experience online and offline. This is available throughout the world, no matter where the card-user travels.
To apply for the QBANK Bluey Visa credit card you must be a government employee residing in Queensland. Your job must be primarily about justice and protection of life and property. You could also be a relative of a QBANK member. You must provide evidence that you meet the eligibility criteria. You can apply online, over the phone or in a branch. You must be at least 18 years old and a permanent Australian resident.
QBANK – formerly Queensland Police Credit Union - is a member-owned bank that was established in 1964 by the members of the Queensland Police Union of Employees. It provides financial and banking services to individuals and families who serve the Queensland police, emergency services, ambulance, fire, nursing and public sector. QBANK is managed by a board that is responsible for the risk management framework, ensuring that it is consistent with strategic objectives and the business plan.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice.
Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.
Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.
Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.
Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.
Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.
Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.
If you’re wondering about how to make a credit card online application, here are some steps to follow:
- Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
- Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
- Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
- Review details. Ensure the information you’ve entered is correct.
There are a few stages you need to go through to get a credit card; each one takes a different length of time.
Applying for the card online, over the phone or in person is the fastest step. This usually takes around 15 minutes, provided you have all of your documents handy.
After submitting your application, it usually takes between one to 10 business days for the lender to assess your eligibility. Some lenders offer instant approval, although you will need to send supporting documents before it is official.
Once your application has been approved, expect to wait between one to 14 days to receive your card in the mail. Keep in mind that delays can happen during busy periods, such as if the lender has launched a special deal.
A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.