QBANK Bluey Visa Credit Card

Name: QBANK Bluey Visa Credit Card
Brand: QBank

Data last updated 20 July 2026

12.49%

Purchase rate

Annual fee

55 days

Interest-free

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CardIQ

71Strong

Strong

Overall score, out of 100 · How this works

55 days interest-free60
Balance transfer70
First timer80
Low rate76
No annual fee67

Customer reviews

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Pros & cons

What's good

12 months at 0% p.a. on balance transfers, longer than the 12-month median (no transfer fee, reverts to 12.49% p.a.).
The 12.49% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
No annual fee.
No fee to add an additional cardholder.

Worth noting

3.65% foreign transaction fee on overseas spending, at the high end of the market.
Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Standard
Card type: Visa
Card use: Personal
Credit limit: $1,000 – $100,000
Credit rating: Good
Rewards program: None

Eligibility

Instant approval: No
Joint application: Yes
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 12.49% p.a.
Purchases: 12.49% p.a.

Fees

Additional cardholder fee: $0
Annual fee: No annual fee
Cash advance fee: 4% of the amount
Foreign transaction fee: 3.65%
Late payment fee: $8

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 2% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from: QBank
Limit: Up to your available credit limit
Period: 12 months
Promotional rate: 0% p.a.
Revert rate: 12.49% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Annual fee$0Tied for best (1st of 200 cards)

Interest-free days55 daysTop 10% (6th of 192 cards)

Purchase rate12.49%Top 25% (40th of 196 cards)

Balance transfer0% for 12 monthsTop 25% (15th of 67 cards)

Overseas fee3.65%Among the weakest we track (193rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: QBank