QBANK Credit Cards

QBANK is a provider of credit cards, home loans, personal loans, bank accounts, term deposits, life insurance, home insurance, car insurance, and travel insurance.

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If you’re considering a QBANK credit card, check out what’s available in our comparison table below, based on a monthly spend of $2,000.

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Types of QBANK credit cards

At the time of writing, QBANK offers two types of credit cards to choose from:

  1. Bluey Visa Credit Card
  2. Bluey Rewarder Visa Credit Card

Bluey Visa Credit Card

QBANK’s Bluey Low Fee Visa Card was awarded a 5-star rating in Canstar’s 2017 credit card star ratings.

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Maximum credit limit: $25,000
  • Minimum income requirement: $15,000/year
  • Interest-free days: Up to 55
  • Contactless: Contactless payments enabled via Visa payWave
  • Online: 24/7 online banking
  • Other benefits: No annual fee

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Bluey Rewarder Visa Credit Card

Features

  • Card type: Visa
  • Minimum credit limit: $1,000
  • Maximum credit limit: $25,000
  • Minimum income requirement: $15,000/year
  • Interest-free days: Up to 55
  • Contactless: Contactless payments enabled via Visa payWave
  • Online: 24/7 online banking
  • Rewards: Earn 1 Rewarder point for every $1 spent. For every 150 points earned, $1 cash back will be credited to the spender.

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Eligibility to apply for QBANK credit cards

To apply for any of the QBANK credit cards, you must be either:

  • A government employee living in Queensland, or
  • Working in a job relating to justice and protection of life and property, or
  • A relative of a QBANK member

How to apply for a QBANK credit card

Assuming you meet the eligibility criteria above, you can compare credit cards on the Canstar website and applying online for the card of your choice on the QBANK website. You can also apply by calling QBANK on 13 77 28 (open Mon-Fri).

You will need the usual documentation to apply for a credit card, including:

  1. Your Australian driver’s licence or passport
  2. Your employment details
  3. Your annual income
  4. Your usual living expenses
  5. Details about assets you own such as a home, car, other belongings, or savings
  6. Any debts you currently owe on other credit cards, loans, or overdrafts

Read our checklist on applying for a credit card for a more detailed explanation of how the process works.

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QBANK FAQs

Once you’ve completed the application process, you’ll need to activate your QBANK credit card or you won’t be able to make purchases with it. You can activate your card through online banking, by calling 13 77 28, or by visiting one of their branches (Queensland only).

You can manage your QBANK credit card through online banking. By using the QBANK online banking service, you can activate or deactivate cards, view your transaction history, check interest, order replacement cards, and more.

When interest is charged

Interest is charged on purchases when you carry a balance on your QBANK credit card. Interest is also charged on balance transfers from the date of transfer, and on cash advances from the date of withdrawal.

When interest is not charged

Up to 55 interest-free days apply to purchases made using QBANK credit cards as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement.  For more information about interest-free days, check out our article on how they work.

Your credit limit for a QBANK credit card will be determined based on the information you provide in your application, within the minimum and maximum credit limits that apply (see above).

If you wish to change the credit limit on your card, you can do so at any time using your own discretion. You can submit the request through their website enquiry form or by calling 13 77 28, and QBANK may approve or reject the request based on their lending criteria.

You can close your QBANK credit card account at any time by posting a written request. Your card balance will need to be repaid in full even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your credit card with QBANK because you’re struggling financially, then you can contact its financial hardship team to find a potential solution.

If you’re cancelling because you are dissatisfied with your current card, then you might want to consider checking out what other credit cards are on the market by clicking our comparison button below:

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QBANK has been operating since 1964, when it was founded as the QPCU by the Queensland Police Union of Employees. It became one of Australia’s first mutual banks in 2016.

It was created to provide finance for a number of individuals and families who serve the Queensland police, emergency services, ambulance officers, fire officers, nursing staff, and public sector.

QBANK has a large involvement in the Queensland community, contributing to various community partnerships and charitable organisations.

QBANK holds an annual awards night called the Everyday Hero Awards, which is designed to recognise those who have made an outstanding contribution to the Queensland community. If you know anyone who falls into that category, you can find out more information here.

Source: QBANK

QBANK Bluey Card

Canstar Research
Rating:
Award: Outstanding Value Credit Cards

Written by: Regina Collins | Last updated: