{
  "brand": "QBANK",
  "brand_label": "QBank",
  "brand_slug": "qbank",
  "legal_entity_abn": "79087651036",
  "public_base_uri": "https://banking.qbank.com.au/openbanking",
  "logo_uri": "https://www.qbank.com.au/media/logo/qbank-logo.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-18T20:10:22Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":36,"of":62,"product_label":"Bluey Visa Credit Card","card_type":"credit","purchase_rate_pct":12.74,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":7,"of":11,"product_label":"Bluey Visa Credit Card","card_type":"credit","purchase_rate_pct":12.74,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":16,"of":29,"product_label":"Bluey Visa Credit Card","card_type":"credit","purchase_rate_pct":12.74,"annual_fee":0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":["occupation_membership"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "corrected from the bank's own page: 12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period",
        "12.74% on purchases for the first 12 months, then the purchase rate",
        "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)",
        "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "0% on balance transfers for 12 months from the transfer date",
        "no annual fee",
        "$8 late payment fee",
        "$4 cash advance fee per transaction"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "S25_Bluey",
      "product_name": "Bluey Visa Credit Card",
      "product_label": "Bluey Visa Credit Card",
      "product_slug": "bluey-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/qbank/bluey-visa-credit-card/",
      "product_url": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/",
      "terms_url": "https://www.qbank.com.au/media/2622/17042025_1237_qbank-bluey-card-conditions-bcc0920-final.pdf",
      "fees_url": "https://www.qbank.com.au/loans-products/credit-cards/",
      "eligibility_url": "https://www.qbank.com.au/who-can-join/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Use your low rate Bluey VISA credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.",
      "purchase_rate_pct": 12.74,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 12.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0,
      "fee_period": "annual",
      "fee_as_stated": 0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.65,
      "foreign_transaction_fee": 35.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": null,
        "revert_rate_pct": null,
        "revert_to": null,
        "promo_rate_pct": 0.0,
        "promo_months": 12
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members",
            "level": "bank",
            "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period",
        "12.74% on purchases for the first 12 months, then the purchase rate",
        "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)",
        "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "0% on balance transfers for 12 months from the transfer date",
        "no annual fee",
        "$8 late payment fee",
        "$4 cash advance fee per transaction"
      ],
      "eligibility": [
        "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 36,
          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 7,
          "of": 11,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 16,
          "of": 29,
          "hidden_by_default": true
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qbank/S25_Bluey.json",
      "snapshot_at": "2026-10-24T09:58:05Z",
      "bank_last_updated": "2026-10-19T06:10:22.000+10:00",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchases 12.74% p.a.*",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchases 12.74% p.a.*",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "Annual fee Nil",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Annual fee Nil",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "balance_transfer": "found",
          "annual_fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
          "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "legal_entity_abn": "79087651036",
      "product_id": "S25_Bluey",
      "product_name": "Bluey Visa Credit Card",
      "product_label": "Bluey Visa Credit Card",
      "product_slug": "bluey-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/qbank/bluey-visa-credit-card/",
      "product_url": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/",
      "terms_url": "https://www.qbank.com.au/media/2622/17042025_1237_qbank-bluey-card-conditions-bcc0920-final.pdf",
      "fees_url": "https://www.qbank.com.au/loans-products/credit-cards/",
      "eligibility_url": "https://www.qbank.com.au/who-can-join/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 12.74,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 12.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 0,
      "fee_period": "annual",
      "fee_as_stated": 0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": null,
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.65,
      "foreign_transaction_fee": 35.0,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": 0.0,
      "bt_promo_months": 12,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": null,
      "restrictions": [
        "occupation_membership"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "occupation",
            "who": "current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members",
            "level": "bank",
            "quote": "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members.",
            "source": "feed: eligibility OTHER"
          }
        ],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period",
        "12.74% on purchases for the first 12 months, then the purchase rate",
        "Membership limited to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services and government employees as well as their family members (the lender's words)",
        "You must be a member. Membership is open to current or former employees of police, ambulance, firies, health workers, emergency services, correctional services…",
        "All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions online or fr…",
        "0% on balance transfers for 12 months from the transfer date",
        "no annual fee",
        "$8 late payment fee",
        "$4 cash advance fee per transaction"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey",
      "source_snapshot": "/au/finance/credit-cards/v1/source/qbank/S25_Bluey.json",
      "snapshot_at": "2026-11-12T02:36:02Z",
      "bank_last_updated": "2026-10-19T06:10:22.000+10:00",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "12.74% on purchases with no introductory purchase rate, no annual fee and 0% on balance transfers for 12 months from the transfer date, per the bank's Credit Card Fact Sheet (correct as at 19 October 2026); the feed's \"12.74% for 12 months\" reads as a misplaced balance transfer period",
        "fields": [
          "annual_fee",
          "annual_fee_stated",
          "fee_as_stated",
          "fee_period",
          "intro_purchase_months",
          "intro_purchase_rate_pct",
          "balance_transfer"
        ],
        "quotes": {
          "rate": {
            "text": "Interest on purchases 12.74% p.a.*",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Interest on purchases 12.74% p.a.*",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          },
          "balance_transfer": {
            "text": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          },
          "annual_fee": {
            "text": "Annual fee Nil",
            "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf",
            "citation": {
              "quote": "Annual fee Nil",
              "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
              "page": 1,
              "document_sha256": "e35fd627e358c242d8a6c32244dca815dcc49a57f6fab75f59eb122d10873e73",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found",
          "balance_transfer": "found",
          "annual_fee": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "annual_fee",
            "intro_purchase_rate_pct",
            "intro_purchase_months",
            "bt_promo_rate_pct",
            "bt_promo_months"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.qbank.com.au/media/4987/ccfs191026-credit-card-fact-sheet.pdf#page=1",
          "quote": "Balance Transfer Interest Rate 0.00% p.a.* for 12 months from the transfer date"
        }
      ],
      "rate_pct": 12.74,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 36,
          "of": 62,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 7,
          "of": 11,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 16,
          "of": 29,
          "hidden_by_default": true
        }
      ]
    }
  ],
  "licence_shared_with": []
}