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BOQ Q Rewards credit card program

Find out how BOQ’s rewards program for credit cards works, including how to earn points and redeem them for gift cards, travel, shopping and more.

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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. As you rack up these points, you can use them 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?

You'll be immediately enrolled in the Q Rewards program when you apply and are approved for either the BOQ Platinum Visa credit card or the BOQ Blue Visa credit card.

As you spend on eligible purchases, you will automatically begin accumulating points.

You can compare how many points you'll earn per $1 spent with each card below:

CardEarn rateAnnual fee
BOQ Platinum Visa credit card2 points per $1 spent $129
BOQ Blue Visa credit card1 point per $1 spent$60

As well as boasting a higher earn rate, new BOQ Platinum Visa cardholders can also take advantage of a regular bonus points offer. New cardholders can earn 150,000 bonus Q Points each month that they spend $3,000 on eligible transactions for the first 90 days from approval.

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:

  • Pay off your credit card. 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.
  • Cashback options. You can turn your points into cash when you use your credit card on eligible purchases.
  • 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.
  • Points transfer. If you belong to a partnered loyalty program like Velocity or Flybuys, you can transfer your Q Rewards points to help you boost your balance. Transferring your Q Rewards points to your Velocity account is only available for Platinum credit card accounts. Note that point value can differ between programmes. For example, 3 Q Rewards points = 1 Velocity Point.
  • Shop at partners. At the moment, you can use your points to help pay for Apple products when you click the "Shop at Partners" option on the BOQ 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.

The BOQ website does not publicly list the number of points needed for different rewards, so you'll need to have an account and login to see details. Then, if you want, you can calculate the value of your points for different types of rewards.

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 also contact Q Rewards on 1300 206 349 to get started.

If you want to know more about these cards, check out Finder's guide to Bank of Queensland credit cards. You can also compare Bank of Queensland's rewards credit cards with other cards that earn points to see which one is right for you.

Frequently asked questions

Images: Getty

More guides on Finder

  • BOQ Platinum Visa Credit Card

    The BOQ Platinum credit card offers up to 150,000 bonus points and complimentary insurance for travel and shopping.

  • BOQ credit card complimentary travel insurance

    If you don’t want to pay for travel insurance, here’s what you’ll get with an BOQ credit card offering complimentary insurance.

  • BOQ Low Rate Visa Credit Card

    Consolidate existing debts with an interest-free balance transfer and purchase rate offer plus save on card costs with a competitive annual fee with the BOQ Low Rate Visa.

  • BOQ Blue Visa Credit Card

    Get a competitive annual fee and pay down debt with a 0% balance transfer offer or reward your spending with Q Rewards points per $1 spent.

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50 Responses

  1. Default Gravatar
    BrendaOctober 14, 2016

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

    • Default Gravatar
      PhilMay 2, 2017

      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?

    • Avatarfinder Customer Care
      DeeMay 3, 2017Staff

      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.


    • Avatarfinder Customer Care
      DeeNovember 3, 2016Staff

      Hi Brenda,

      Thanks for your question.

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


  2. Default Gravatar
    WarrenJune 29, 2016

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

    • Avatarfinder Customer Care
      DeeJune 29, 2016Staff

      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
    KenNovember 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
      KarenJanuary 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?

    • Avatarfinder Customer Care
      DebbieJanuary 19, 2016Staff

      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.


    • Default Gravatar
      CherylDecember 4, 2015

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

    • Avatarfinder Customer Care
      JonathanDecember 7, 2015Staff

      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.



    • Avatarfinder Customer Care
      SallyDecember 1, 2015Staff

      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.



  4. Default Gravatar
    JacquelineOctober 19, 2015

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

    • Avatarfinder Customer Care
      ArraOctober 20, 2015Staff

      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
    RobertOctober 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

    • Avatarfinder Customer Care
      DebbieOctober 20, 2015Staff

      Hi Robert,

      Thank you for your inquiry.

      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 have sent to your email.

      If you are also interested to redeem your points for your next flight, you can also find more details about the Q Rewards frequent flyer program guide. You can also revisit the terms and conditions of your card to ensure you got everything covered on your transactions.

      I hope this helps.


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