QBANK Bluey Visa Credit Card

On QBANK's website

QBANK Bluey Visa Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

12.49% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • Benefit from a 0% p.a. balance transfer offer for 12 months, returning to 12.49% p.a. thereafter.
  • Enjoy the absence of an annual fee.
  • Take advantage of a competitive variable interest rate of 12.49% p.a. on both purchases and cash advances.

Pros and cons

Pros

  • Same low-interest rate on purchases and cash advances.
  • Balance transfer offer of 0% p.a. for 12 months
  • Up to 55 days interest-free.
  • Access to exclusive Visa offers and perks..

Cons

  • No rewards program.
  • Foreign currency conversion fee of 3.65%.
  • No complimentary travel insurance.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$20,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
$35,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
100%
Balance Transfer Revert Rate
12.49%

Rates, fees, charges

Cash advances

Cash Advance Rate
12.49% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
12.49% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3.65%
Late Payment Fee
$8.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

The basics

  • Additional cardholders. You can add an additional cardholder to this account for a fee. The account holder will be responsible for managing the account and making repayments.
  • Digital wallets. Works with Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
  • Gambling transactions. Gambling transactions are not allowed on the QBANK Bluey Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The QBANK Bluey Visa Credit Card does not provide complimentary international travel insurance.
  • Concierge services. The QBANK Bluey Visa Credit Card does not include access to a concierge service.
  • Insurances. This card comes with fraud protection but does not offer any other types of insurance.
  • Rewards points. This credit card does not have a rewards program.
  • Sign-up bonus. QBANK does not offer any sign-up bonus for this card.

Rates and fees

  • Annual fee. This card has no ongoing annual fee.
  • Balance transfers. QBANK offers a promotional balance transfer offer for the Bluey Visa Credit Card. You can transfer up to 100% of your current credit card balance to the Bluey Visa at 0% interest p.a. for 12 months, with no balance transfer fee and a 12.49% revert rate after the promotional period ends.
  • Cash advances. QBANK Bluey Visa Credit Card holders will be charged 12.49% p.a. on any transactions classified as a cash advance, with interest accruing immediately from the time of transaction. In addition to the interest rate, QBANK will charge a $4 fee for any cash advances made with this card.
  • Foreign exchange fee. All purchases made overseas or online in foreign currency will incur a 3.65% fee.
  • Interest-free period. QBANK Bluey Visa Credit Card allows you to enjoy up to 55 days of interest-free purchases, except cash advances, when the account balance is paid in full, or the minimum required payment is made.
  • Purchases. There is no introductory offer. Any purchases made will be charged interest at 12.49% p.a.

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