BOQ Q Rewards® Credit Card Rewards Program

Information verified correct on April 28th, 2017

Be a part of a rewards program that gives you great freedom when it comes to redeeming points for rewards.

Different Bank of Queensland (BOQ) credit cards come linked to the Q Rewards® Program, a credit card rewards program that Citigroup offers. This rewards program gives eligible BOQ credit card users the ability to earn Q Reward Points as per their spending, and they can redeem their accumulated points for a variety of rewards.

How can I earn Q Reward Points?

Membership to Q Rewards® Program is free, and when you get a BOQ credit card linked to this program you stand to earn reward points each time you use your card to make an eligible purchase. The number of points you earn, or the earn rate, depends on the card you use, as you can see below:

  • When you use the BOQ Platinum Visa credit card to make eligible purchases, you earn 2 Q Reward Points for every dollar spent.
  • Every dollar spent using a BOQ Blue Visa credit card earns 1 Q Reward point.

New Platinum cardholders can earn as many as 30,000 bonus Q points. To earn these bonus points, you, as a new cardholder, should spent $3,000 on retail purchase within the first three months of the card’s approval date.

What can I redeem my Q Reward Points for?

When it comes to redeeming your reward points, you get numerous options from which to choose, details of which are as follow:

  • Merchandise. If you wish to redeem your Q Reward Points for merchandise, you can find items across categories like apparel, bags and luggage, beauty, bed and bath, books, electronics, kitchen, musical instruments, jewellery, sporting goods, toys and watches.
  • Cash rewards. Cash rewards come in the form of cashback, charity donations and gift cards. Charities you can donate to include Fred Hollows Foundation, Australian Red Cross and Starlight Children's Foundation. In choosing from gift cards, some of the businesses on the list include David Jones, Bunnings, QT Hotel and Spa, BP, Coles, Harvey Norman and Target.
  • Travel Centre. You can redeem your Q Reward Points through Travel Centre for flight tickets, accommodation, holiday packages, cruises and rental cars.
  • Velocity. Q Rewards® Program members have the option of transferring their Q Reward Points to their Velocity Frequent Flyer Program accounts. If you wish to do so, you have to transfer a minimum of 30,000 Q Reward Points, and you’ll earn one Velocity point for every three Q points.

BOQ-logoWhich Bank of Queensland credit cards earn rewards?

BOQ gives you the ability to choose from three different credit cards, two of which come linked to the Q Rewards® Program. Details of these cards are as follow:

FeaturesPlatinum VisaBlue VisaLow Rate Visa
Rewards programQ Rewards® ProgramQ Rewards® Programn/a
Annual fee$129 p.a. for the life of the card if you apply and get approved by 31 August 2017 (normally $199 p.a.)$60$55
Balance transfer0% p.a. for 18 months0% p.a. for 6 months0% p.a. for 12 months
Interest-free periodUp to 55 interest-free days on purchasesUp to 55 interest-free days on purchasesUp to 44 interest-free days on purchases
Complimentary insuranceComplimentary travel and purchase insurance cover Access to a 24/7 concierge serviceComplimentary purchase cover insurancen/a

Compare Bank of Queensland credit cards here

What else should I keep in mind?

If you’re considering getting a BOQ Q Rewards® credit card, pay attention to the following:

  • Points cap. There is a maximum limit to the number of Q Reward Points you can earn each year, which depends on the card you use. If you have the Platinum Visa card you can earn up to 240,000 Q Reward Points each year, and this changes to a maximum of 65,000 Q Reward Points with the Blue Visa card.
  • Minimum income requirements. Getting a BOQ Q credit card requires that you meet the given card’s minimum income requirement. To apply for the Blue Visa card you should earn at least $25,000 each year, and to apply for the Platinum card you should earn a minimum of $35,000 p.a.
  • Credit limits. A higher credit limit brings with it greater spending power and the ability to earn more reward points. While the maximum credit limit of the Blue Visa card is $10,000, this increases noticeably to $30,000 with the Platinum card. In assigning your card’s limit, remember that BOQ would consider your existing financial condition and your ability to repay.


Getting a BOQ credit card linked to the Q Rewards® Program can be a good idea if you wish to earn rewards as per your spending, given that it gives you a plethora of options when it comes to redeeming your accumulated points for rewards. Don’t forget, though, that this is not the only credit card rewards program of its kind, so take some time to compare it with others.

Frequently asked questions

Can I get an additional card and does it attract a fee?

You can get up to four additional cards for free with your Platinum Visa card. If you have the Blue Visa card, you can get an additional card by paying an additional card fee of $15.

Do additional cards earn rewards?

Additional cards linked to your Platinum or Blue Visa card earn Q Reward Points, which accumulate in a single Q Rewards® Program account.

What eligibility criteria do I have to meet to get a BOQ Q Rewards® credit card?

Apart from meeting minimum income requirements, you should be at least 18 years old, you should be a permanent resident of Australia and you should have good credit history.
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Sally McMullen

Sally McMullen is a journalist at who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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48 Responses to BOQ Q Rewards® Credit Card Rewards Program

  1. Default Gravatar
    Brenda | October 14, 2016

    i don’t have internet banking and want to redeem my points. Should I ring the Bank direct?

    • Staff
      Anndy | November 3, 2016

      Hi Brenda,

      Thanks for your question.

      To redeem your points, you can contact Q Rewards on 1300 206 349.


  2. Default Gravatar
    Warren | June 29, 2016

    am trying to access my q reward points can you please forward the link to my email please

    • Staff
      Anndy | June 29, 2016

      Hi Warren,

      Thanks for your comment.

      As requested, I’ve sent you an email with a link to a page where you can log-in to BOQ’s Internet Banking to check your rewards points. After logging in, choose your credit card from the accounts list and you can view your points by selecting “Q Rewards® / Other Card Functions.”

      I hope this helps.


  3. Default Gravatar
    Ken | November 30, 2015

    I have endeavoured to find access to usage of Rewards points to no avail .
    May I suggest that you reconfigure your webpage
    I have rewards points and I want to know how to redeem these points

    • Default Gravatar
      Karen | January 15, 2016

      I am unable to find list of rewards available or how to make a claim on my internet banking. The web page is of no use for either. Can you help please?

    • Staff
      Debbie | January 19, 2016

      Hi Karen,

      Thank you for your inquiry.
      Please note that you’ve come through, an online comparison service and not Bank of Queensland.

      Please refer to the link I’ve sent you through your email, I hope it helps.

      For more information about Q Rewards Program, please check this page.


    • Default Gravatar
      where | December 4, 2015

      Where do you find the list of rewards so points can be redeemed? I have never had this problem previously.

    • Staff
      Jonathan | December 7, 2015

      Hi Cheryl, thanks for your inquiry!

      To see the list of rewards and to redeem you need to log on to internet banking with BOQ.



    • Staff
      Sally | December 1, 2015

      Hello Ken,

      Thanks for your feedback.

      Just to confirm, you have come through to, not the BOQ website. As such, you’re unable to redeem your points through our website.

      Instead, I’ve emailed you a link the BOQ website and points redemption page for your convenience.



  4. Default Gravatar
    Jacqueline | October 19, 2015

    How do I find out how to spend my rewards points. I have tried all BOQ websites and they are not helpful.

    • Staff
      Arra | October 20, 2015

      Hi Jacqueline,

      Thanks for your inquiry.

      Please refer to the link that I sent to your email for more information regarding the Q Rewards® Program.

      I hope this has helped.


  5. Default Gravatar
    Robert | October 19, 2015

    I need a list of available products which I can purchase through the rewards program.

    I would also like to know if any of the rewards points can be set off against costs incurred on credit cards , or against future purchases.

    Rewards used to publish in a catalogue everything which is available. is this not done any more

    • Staff
      Debbie | October 20, 2015

      Hi Robert,

      Thank you for your inquiry.
      Please note that you’ve come through, an online comparison service and is not in a position to recommend specific products, providers and services.

      Rewards points can be used to make payments on your Bank of Queensland credit card. For the list of products that you can purchase with Q Rewards and for the BoQ Rewards Catalogue, kindly refer to the link I’ve sent on your email.

      If you’re also interested to redeem your points for your next flight, more details about Q Rewards frequent flyer program can be found here.
      I hope this helps.


  6. Default Gravatar
    Elsie | August 27, 2015

    I do not have internet banking so how do I get on to the site to check what I can buy with my loyalty points, I have tried different sites but no success. Can I ring up to get the information. Thanks

    • Staff
      Sally | August 28, 2015

      Hi Elsie,

      Thanks for your inquiry.

      Please note that you have come through and we are not directly affiliated with Bank of Queensland.

      If you do not have an access through internet banking, you can contact Q rewards through phone alternatively. Please refer to the link and contact details I have sent to your email.

      I hope this has helped.



  7. Default Gravatar
    Les | August 17, 2015

    Hi. Our local BoQ is due to close its doors .I currently have a Platinum CC with points . If I transfer all of my accounts to another bank are these points transferable ?
    My reason is I am not a fan of internet banking and travel to the closest branch in not a option

    • Staff
      Jonathan | August 17, 2015

      Hi Les, thanks for your inquiry!

      Unfortunately BOQ Q Rewards points are only valid within the BOQ rewards program.

      I hope this has helped.



  8. Default Gravatar
    Russell | July 17, 2015

    I want to redeem my points from my credit card. I do not have internet Banking as I only hold a credit card no other accounts.

    • Staff
      Jonathan | July 17, 2015

      Hi Russell, thanks for your inquiry!

      Unfortunately BOQ Q Rewards is not available outside internet banking. Please refer to the link I have sent to your email to go through internet banking to access this rewards program.



  9. Default Gravatar
    Jan | June 25, 2015

    I would like to redeem my points but can’t find the list can you please help?

    • Staff
      Jonathan | June 25, 2015

      Hi Jan, thanks for your inquiry!

      BOQ Q Rewards can be accessed by logging into your internet banking account. Please refer to the link I have sent to your email for this page.



  10. Default Gravatar
    Donna | April 13, 2015

    I would like to redeem my points but I can’t find a list of what is available, could you help please?

    • Staff
      Jonathan | April 13, 2015

      Hi Donna, thanks for your inquiry!

      Please refer to the link I have sent to your email providing the rewards options available with BOQ Q Rewards.



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