QBANK Credit Cards

To apply for a QBANK credit card, you must be able to satisfy the following criteria:

• Must be eligible to join QBANK. Eligible members include Queensland police, emergency services, ambulance, fire, health and public sector workers as well as their families.
• Be at least 18 years old.
• Be earning an income of over $20,000 per year.

For more information on eligibility requirements, contact QBANK.

First, check whether you are eligible to apply for a QBANK credit card. See above for the eligibility requirements. 

If you meet the eligibility criteria, you can apply for a QBANK credit card online or over the phone. 

QBANK says you will need the following details handy:

• Driver’s licence number
• Income details
• Living expense details
• Repayments, limits and balances for any other loans you have
• Residential history (for the last two years)
• Employment history (for the last two years)
• Details about your assets

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You’ll need to activate your QBANK credit card when it arrives before you are able to use it. QBANK says you can activate your card through online banking, over the phone or by visiting one of their branches.

You can manage your QBANK credit card through internet and mobile 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 when you carry a balance on your QBANK credit card. Interest is charged on balance transfers from the date of transfer and on cash advances from the date of withdrawal.

When interest is not charged

At the time of writing, up to 55 interest-free days apply to purchases made using a QBANK credit card as long as you have paid the balance in full for the previous month’s statement and for the current month’s statement. 

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.

If you wish to increase or decrease the credit limit on your card, QBANK says you can request to do so at any time. You can submit the request through their website enquiry form or by calling QBANK, and QBANK may approve or reject the request based on their lending criteria.

You can request to close your QBANK credit card account at any time by contacting QBANK. 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, you can contact QBANK’s financial hardship team and you may be able 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 by the Queensland Police Union of Employees. 

QBANK says 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.