A clear, true blue winner is the QBANK Bluey Credit Card - winner of not one, but two 2020 Mozo Experts Choice Awards for best No Annual Fee Credit Card and best Balance Transfer Credit Card!
Not only does this card feature no annual fee, but you’ll also have a low purchase and cash advance rate of 11.99%. There’s up to 55 interest free days and a 0% balance transfer rate for the first 12 months. Whether you’re looking to clear debt or need a card in case of emergencies, the QBANK Bluey Credit Card has got you covered.
Accepted at tens of millions of locations around the world, the QBANK Bluey Credit Card could be the perfect shopping companion for frugal spenders. Along with a 11.99% purchase and cash advance rate, you can also look forward to up to 55 interest free days, plus no annual fee.
And if you’re looking to use the QBank Bluey Card to finally get rid of lingering credit card debt, you’ll have a 0% balance transfer rate for the first 12 months. Once this period has ended, the rate will then revert to 11.99% for any debt leftover.
With the QBANK Bluey Credit Card, there is a reasonable $8 late payment fee, however, the catch you really need to watch out for is the 3.65% foreign exchange margin - so if you like your international online shopping, this may burn a hole in your bank account over time.
The QBANK Bluey Credit Card is a suitable choice for good choice for any budget-conscious spender. It might be particularly handy for shoppers who tend to carry a balance, thanks to the low ongoing purchase rate.
If you enjoy spending your nights browsing international online stores, you will need to factor the high 3.65% foreign exchange rate you’ll be charged each time you checkout.
11.99% p.a.
none
0% p.a. for 12 months and then 11.99% p.a.
no
11.99% p.a.
55
$0.00
none
none
none
$8.00
$4.00
3.65%
$5.00
$35.00
$0.00
$25.00
2.0
yes
none
Apple Pay, Google Pay
They provide a low cost Bluey Credit Card ,the interest rate is one of the best available, its low cost and service is awesome.
Read full reviewThey provide a low cost Bluey Credit Card ,the interest rate is one of the best available, its low cost and service is awesome.
Low interest rate
Read full reviewOne of the biggest pros about QPCU is that you can deposit at any Post Office just by swiping your card.. NO FEES!!! It also means you can bank on a Saturday if you can find a post office open! (Most other banks work a 9-4 Mon-Fri. Which isn't helpful for those who actually work full time!! Staff are always friendly and very helpful!!! QPCU offers online, mobile and phone banking!
Read full reviewOne of the biggest pros about QPCU is that you can deposit at any Post Office just by swiping your card.. NO FEES!!! It also means you can bank on a Saturday if you can find a post office open! (Most other banks work a 9-4 Mon-Fri. Which isn't helpful for those who actually work full time!! Staff are always friendly and very helpful!!! QPCU offers online, mobile and phone banking!
The big banks having their hands in you pocket taking everything they can, whereas QPCU offer value for money. Yes they have fees but they provide a service that is worth what they charge. The're always helpful when you need to call and act very quickly when odd transactions appear on your account.
Read full reviewThe big banks having their hands in you pocket taking everything they can, whereas QPCU offer value for money. Yes they have fees but they provide a service that is worth what they charge. The're always helpful when you need to call and act very quickly when odd transactions appear on your account.
easy to use, great customer service if an issue whilst travelling
Read full revieweasy to use, great customer service if an issue whilst travelling
QBANK (formerly QPCU) provides specialised products for the Queensland police force, fire and rescue service personel, ambulance officers, SES personel, public sector employees and their families. QBANK focuses on providing financial solutions through a diverse range of financial products in home loans, personal loans, car loans, credit cards and a variety of savings accounts for its members.
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Qantas Money
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
$299 $199 in the first year
Qantas Frequent Flyer
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
St.George
Amplify Signature
Amplify Rewards
$279 $139 in the first year
200,000
1.5 points uncapped
Qantas Money
Qantas Premier Platinum
Qantas Frequent Flyer
$299 $199 in the first year
100,000
1 point up to $10,000/month, then
0.5 points uncapped
Bankwest
Qantas Platinum Mastercard
Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
0.3 points uncapped
BankSA
Amplify Signature
Amplify Rewards
$279 $139 in the first year
200,000
1.5 points uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months and then 20.99% p.a.
20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
St.George
Vertigo
0% p.a. for 24 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
St.George
Amplify Platinum
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 19.74% p.a.
$99 $0 in the first year
Amplify Rewards
CUA
Low Rate Credit Card
0% p.a. for 20 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
ANZ
Low Rate
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
12.49% p.a.
$58 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
St.George
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Platinum Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$69 $0 in the first year
St.George
Amplify Platinum
0% p.a. for 7 months then 19.74% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$99 $0 in the first year
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
