Blue Visa Credit Card
Be rewarded every time you spend — earn 1 Q Rewards® Point for every dollar spent on eligible purchases,4 with rewards you can use your way.{sub-heading}
Offer{mark}
50,000 Bonus Points Offer
- Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on eligible purchases within 90 days from approval.12
- 0% p.a. on Balance Transfers for 6 months with a 1% Balance Transfer Fee.13 Reverts to Cash Advance rate thereafter.
$89 Annual Fee
Up to 44 days interest free
Interest free period on retail purchases2
20.99% p.a.
Interest rate on retail purchases
From 1 October 2026 the retail purchase rate will increase to 21.99% p.a.
$1 = 1 Point
Earn 1 Q Rewards® Point per $1 spent on eligible purchases, uncapped4
Credit card rates and fees{yellow-border}
A full list of our fees and charges are provided on our Credit Card Rates and Fees page
20.99% p.a.
From 1 October 2026 the retail purchase rate will increase to 21.99% p.a.
Interest Free Period applies to Retail Purchases if you pay the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer and/or Instalment Plan) in full shown on your statement by the Payment Due Date.
We can’t process balance transfers from certain issuers – see our indicative list.21
Turn your Q Rewards® Points into Cashback
Your Q Rewards® Points can be redeemed for Cashback, which you can put towards other purchases on your credit card account.4
40,000 Q Rewards® Points will get you $100 cashback.
Redeem Giftcards
Redeem your Q Rewards® Points for Giftcards from a great range of retailers4 such as Bunnings, Woolworths, Coles, JB Hi-Fi and Myer.
35,800 points will get you a $100 Giftcard.
Pay with Points
Redeem your Q Rewards® Points to receive a credit back on almost any purchase.20
Switch your Q Rewards® to Flybuys or Velocity Points
Get even more choices by converting your Q Rewards® Points to Flybuys or Velocity Points.4 Transfer 2 Q Rewards® Points for 1 Flybuys Point or 3 Q Rewards® Points for 1 Velocity Point.
44 days interest free
Get up to 44 interest free days on new purchases.2
Complimentary Purchase Protection and Extended Warranty Insurance
Including access to complimentary Purchase Protection Insurance and Extended Warranty Insurance (eligibility criteria, terms, conditions, limits and exclusions apply).1
Instalment Plans
Make your repayments in monthly instalments at a fixed rate over a set term.
Ready to apply for your Blue Visa Credit Card?{yellow-border}
To be eligible to apply, you must:
- Be 18 years or older
- Permanent Australian resident and an Australian resident for tax purposes
- Have a valid Australian mobile number and email address
- Receive a regular income (you may be asked to provide payslips or bank statements.)
- Have a good credit rating
What you’ll need for your application
- Your income, debt and expense details
- Your Driver Licence number (if you have one)
- Your current employment status
- Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit
- Applying online will take around 20 minutes
Frequently asked questions{yellow-border}
Didn’t find what you were looking for? Go to our help and support page to find out more {sub-heading}
What is the purchase rate on credit cards?
What is the interest charged on credit cards?
How does credit card interest work?
How do I apply for a credit card?
The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 20 minutes to complete if you have all your info on hand and once approved we'll get your card out to you within 10 working days.
We'll need to know your age (minimum age is 18 years), Australian residency status, your driver’s license if you have one and your current financial details including employment and monthly expense and income details.
How is my credit limit determined?
How does the interest free period work?
The interest free period applies to retail purchases if you pay the closing balance or interest free days payment (if you have a balance transfer and/or instalment plan) shown on your statement in full by the payment due date.
Interest free periods don't apply to cash withdrawals, and you will incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.
Compare credit cards
If this card isn’t quite what you’re looking for, check out our other rewarding credit cards.{sub-heading}