{
  "snapshot_at": "2026-10-24T09:58:05Z",
  "brand": "QBANK",
  "brand_slug": "qbank",
  "product_id": "S25_Bluey",
  "cdr_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey",
  "x_v": 6,
  "how_to_fetch": "curl -H 'x-v: 6' 'https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/S25_Bluey'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Credit with payWave"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.qbank.com.au/ways-to-bank/applepay"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.qbank.com.au/ways-to-bank/googlepay"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "BPAY"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "0% Balance Transfer Rate for 12 months."
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "You may receive up to 55 days interest free period for purchases provided you continue to pay your closing balance in full on or before every statement due date."
      },
      {
        "featureType": "BALANCE_TRANSFERS"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No application fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No annual fee"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "ADDITIONAL_CARDS"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00",
        "additionalInfoUri": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.qbank.com.au/who-can-join"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "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 from any of our offices.",
        "additionalInfoUri": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card"
      }
    ],
    "fees": [
      {
        "name": "CASH_ADVANCE_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RECALL_OF_BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "RECALL_OF_EXTERNAL_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions  to other financial institutions"
      },
      {
        "name": "RECALL_OF_TELEGRAPHIC_TRANSFER_(WITHIN_AUSTRALIA_&_OVERSEAS)",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "LATE/MISSED_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when the required payment is not paid by the due date."
      },
      {
        "name": "BANK@POST_WITHDRAWALS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD"
      },
      {
        "name": "ACCOUNT_AUDIT_CONFIRMATION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      },
      {
        "name": "INTERNATIONAL_ATM_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "DIRECT_DEBIT_DISHONOURS/NON_PAYMENT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "11.50"
        },
        "currency": "AUD"
      },
      {
        "name": "DEBIT_EXTERNAL_ACCOUNT_REJECTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD"
      },
      {
        "name": "ATM_DISPUTE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "27.50"
        },
        "currency": "AUD"
      },
      {
        "name": "STATEMENTS_/_VOUCHER_SEARCHES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "No charge for current transaction list.Reissue more than 6 months.$5 per page"
      },
      {
        "name": "TRACE_OF_EXTERNAL_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP and OSKO transactions  to other financial institutions"
      },
      {
        "name": "DIRECT_DEBIT_INVESTIGATION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "40.00"
        },
        "currency": "AUD"
      },
      {
        "name": "TRACE_OF_BPAY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "12.00"
        },
        "currency": "AUD"
      },
      {
        "name": "REPLACEMENT_OF_CUE_&_VISA_CARD",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Under 18 y/o and renewal cards exempt"
      },
      {
        "name": "REPLACEMENT_VISA_WRISTBAND_(INCLUDING_CHIP)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "currency": "AUD"
      },
      {
        "name": "EMERGENCY_VISA_CASH_OR_CARD_(OVERSEAS)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "175.00"
        },
        "currency": "AUD",
        "additionalInfo": "$175.00 USD"
      },
      {
        "name": "VISA_INTERNATIONAL_TRANSACTION_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.0365",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "International Transaction Fee transaction when converted to $AUD"
      },
      {
        "name": "COPY_OF_VISA_TRANSACTION_VOUCHER",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      },
      {
        "name": "VISA_CHARGEBACK_TRANSACTION",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "CASH_ADVANCE",
        "rate": "0.1274",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.1274",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      },
      {
        "lendingRateType": "INTRODUCTORY",
        "rate": "0.12739",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalValue": "P12M"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productId": "S25_Bluey",
    "lastUpdated": "2026-10-19T06:10:22.000+10:00",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "Bluey Visa Credit Card",
    "description": "Use your low rate Bluey VISA credit card for shopping, travelling overseas or even to consolidate other credit or store card debt.",
    "brand": "QBANK",
    "brandName": "QBANK",
    "applicationUri": "https://www.qbank.com.au/apply-online",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/",
      "termsUri": "https://www.qbank.com.au/products/credit-cards/bluey-visa-credit-card/",
      "eligibilityUri": "https://www.qbank.com.au/who-can-join/",
      "feesAndPricingUri": "https://www.qbank.com.au/loans-products/credit-cards/"
    }
  }
}