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The Bank of Queensland (BOQ) Q Rewards program allows you to earn points for every $1 you spend on your eligible credit card. You can redeem these points for rewards including gift cards, cashback, travel bookings, Flybuys transfers and shopping.
So if you're interested in a BOQ rewards credit card, here's a look at how the Q Rewards program works – including which credit cards earn you points and how you can redeem them.
How can I earn BOQ rewards points with a credit card?
The BOQ Platinum Visa Credit Card and the BOQ Blue Visa Credit Card offer Q Rewards Points for all your eligible spending.
You can compare how many points you'll earn per $1 with each card below:
🔥Tip: Look for introductory bonus point offers on BOQ credit cards if you're not a customer yet. They can give you hundreds and thousands of Q Rewards Points when you first get a card and meet the requirements.
What counts as eligible spending?
You can earn BOQ Q Rewards points when you make an eligible transaction. Eligible purchases exclude cash advances, balance transfers, special promotions, BPAY payments, government-related transactions, ATM charges, transactions made in operating a business, payments to other BOQ accounts and purchases of foreign currency. For the full list of details on eligible spending, see BOQ's terms and conditions.
What can I redeem Q Rewards points for?
There are several ways you can redeem your Q Rewards points, according to the BOQ website:
Points transfer. With a BOQ Platinum Visa credit card 3 Q Rewards points = 1 Velocity Point and there is a minimum transfer of 30,000 Q Rewards points. You can also transfer points to other loyalty programs, including Flybuys. The transfer rate and other details are not publicly available, so log in to see full details.
Cashback options. When you use your credit card to pay for eligible purchases, you can receive a statement credit back to your account. You can also use points to pay your annual card fee.
Gift cards and vouchers. Buy gift cards with partnered brands including JB Hi-Fi, Bunnings, Dymocks, Myer, David Jones, Coles and more.
Donate to charity. You can use your points to donate to charities like The Fred Hollows Foundation, Australian Red Cross and Starlight Children's Foundation.
Travel. You can redeem your Q Rewards points for flights, accommodation, holiday packages, activities, cruises and rental cars.
Shop at Apple. You can use your points to help pay for Apple products, with the value shown when you are logged in to the Q Rewards website.
How much are Q Rewards points worth?
There is no clear fixed dollar value for BOQ Q Rewards Points. It largely depends on what you redeem them for.
As an example, you could $400 worth of Myer digital gift cards for 143,000 points. That's a value of around $2.79 for every 1,000 points redeemed (or 0.279 cents value per point).
But rewards have different values, and BOQ Rewards website does not publicly list the points needed for all of them. So you'll need to have an account and login to see details. You can also calculate the value of your points for different types of rewards, or get an estimate of the value with Finder's points calculator.
How to redeem BOQ Q Rewards points
If you're ready to spend your points and start picking up some rewards, log on to your Internet banking, select your credit card from your list of accounts and select "Q Rewards/Other card functions". From there, you can view your points balance, browse the latest offers and redeem your rewards.
You can browse by specific points ranges or use the search tool to find specific items, including the cashback and annual card fee redemption options.
You can get up to 4 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. The primary cardholder is responsible for the additional cards and any points earned with these cards will accumulate in the one Q Rewards account.
BOQ Q Rewards is a great way to save money on shopping and activities by collecting points and turning them into rewards. But that does not mean it is for everyone.
The rewards program can be a great benefit if you're regularly using your credit card to make the most of the points - as long as you can make the repayments. If you know you make multiple purchases on your credit card and always pay them off, the rewards are a great bonus.
However, if you only make one or two purchases a month, you may not be building up enough points to take advantage of. If you use your credit card because you struggle to afford paying for goods and services, using your credit card more to build up more points could end up making things worse. You could be getting yourself into even more debt and potentially paying more in interest.
You can earn points on eligible transactions and they're uncapped.
As well as meeting minimum income requirements, you should be at least 18 years old, you should be a permanent resident of Australia and you should have a good credit history.
Follow these steps to transfer your points:
Log in to BOQ Internet Banking using your Customer Access Number, User ID (if issued) and password.
Choose the "Account Details" menu and select "Q Rewards" then "Check it out here".
Go to the "Points Transfer" menu then choose your loyalty program.
Enter the number of points that you'd like to transfer and provide your Velocity or Flybuys number.
After reviewing the terms and conditions, click on "Transfer Points" and confirm.
Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds an ASIC-recognised Tier 1 Generic Knowledge certification.
Get a competitive annual fee and pay down debt with 0% purchase and balance transfer offers or reward your spending with Q Rewards points per $1 spent.
According to BOQ, there is no cap on how many Q Rewards Points can be accumulated. You are able to continue growing your Points balance and save your points until you are ready to redeem.
I want to redeem my points for a purchase at a Department store. I am concerned that if I request gift cards they may go astray in the mail. If this happens who is responsible?
Can I receive cash in lieu of gift cards?
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 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
Ken
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?
Karen
You can get a number of options to redeem your Q Reward Points such as the following:
– Buy apparel, beauty products, luggage and bags, electronics, homewares, jewellery and more on the BOQ Rewards website.
– Use your points to pay for eligible purchases and receive a statement credit back on your account.
– Pay for the annual fee
– Cashback
– Buy gift cards with partnered brands
– Points for flights, accommodation, holiday packages, cruises and rental cars.
You can also refer to the link I have sent you through your email, I hope it helps.
To redeem your Q rewards, log on to your internet banking, select your credit card from your list of accounts and select ‘Q Rewards/Other card functions’. From there you can view your points balance, browse the latest offers and redeem your rewards. You can also contact Q Rewards on 1300 206 349 to get started.
Please ensure to read through the relevant product disclosure statement and terms and conditions of your rewards card to ensure that you got everything covered on your transactions.
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i just got q rewards credit card is there max points i can earn every year were do i check
Hi Barry,
According to BOQ, there is no cap on how many Q Rewards Points can be accumulated. You are able to continue growing your Points balance and save your points until you are ready to redeem.
Hope this helps,
Elizabeth
i don’t have internet banking and want to redeem my points. Should I ring the Bank direct?
I want to redeem my points for a purchase at a Department store. I am concerned that if I request gift cards they may go astray in the mail. If this happens who is responsible?
Can I receive cash in lieu of gift cards?
Hi Phil,
Thanks for your question.
I’m not sure who will be responsible for any gift cards lost in the mail. You may have to directly contact BOQ to enquire about this.
Unfortunately, Reward points have no monetary value, are not transferable and cannot be redeemed for cash.
However, you cam request for a Cashback. The amount of a cashback is credited to your Account, reducing your outstanding debt.
Cheers,
Anndy
Hi Brenda,
Thanks for your question.
To redeem your points, you can contact Q Rewards on 1300 206 349.
Cheers,
Anndy
am trying to access my q reward points can you please forward the link to my email please
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.
Cheers,
Anndy
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
Ken
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?
Karen
Hi Karen,
Thank you for your inquiry.
You can get a number of options to redeem your Q Reward Points such as the following:
– Buy apparel, beauty products, luggage and bags, electronics, homewares, jewellery and more on the BOQ Rewards website.
– Use your points to pay for eligible purchases and receive a statement credit back on your account.
– Pay for the annual fee
– Cashback
– Buy gift cards with partnered brands
– Points for flights, accommodation, holiday packages, cruises and rental cars.
You can also refer to the link I have sent you through your email, I hope it helps.
To redeem your Q rewards, log on to your internet banking, select your credit card from your list of accounts and select ‘Q Rewards/Other card functions’. From there you can view your points balance, browse the latest offers and redeem your rewards. You can also contact Q Rewards on 1300 206 349 to get started.
Please ensure to read through the relevant product disclosure statement and terms and conditions of your rewards card to ensure that you got everything covered on your transactions.
Cheers,
Where do you find the list of rewards so points can be redeemed? I have never had this problem previously.
Cheryl
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.
Cheers,
Jonathan
Hello Ken,
Thanks for your feedback.
Just to confirm, you have come through to finder.com.au, 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.
Cheers,
Sally
How do I find out how to spend my rewards points. I have tried all BOQ websites and they are not helpful.
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.
Cheers,
Arra