BOQ Specialist Signature Qantas card review | Finder

BOQ Specialist Signature Credit Card with Qantas

Last updated:  

Earn up to 130,000 bonus Qantas Points and uncapped points per $1 spent with a new BOQ Specialist Signature Credit Card.

The BOQ Specialist Signature card is exclusively for medical, dental and veterinary professionals and students, as well as qualified accountants. If you apply and are approved before 30 April 2021, you’ll earn 100,000 bonus Qantas Points by spending $4,000 on eligible purchases in the first 3 months. You earn another 30,000 bonus Qantas Points when you keep the card for at least 12 months.


Bonus points

20.5% p.a.

Purchase rate


Reward point

Per $ spent

$400 p.a.

Annual fee

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameBOQ Specialist Signature Credit Card with Qantas Points
Rewards programQantas Frequent Flyer
Balance transfer rate20.5% p.a.
Purchase rate20.5% p.a.
Annual fee$400
Interest-free periodUp to 55 days on purchases
Cash advance rate20.5% p.a.
Min credit limit$15,000
Card typeVisa
Foreign currency conversion fee3.2%
Minimum income$120,000
Available to temporary residentsNo
Joint applicationNo


  • Up to 130,000 bonus Qantas Points
  • Uncapped rewards points
  • Airport lounge access and complimentary travel insurance


  • Has a considerably high annual fee of $400
Rewards programQantas Frequent Flyer
Bonus points130,000
Rewards points per $ spent1
Annual fee$400
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$0
Foreign currency conversion fee3.2%
Overseas ATM withdrawal fee$0
Additional cardholder fee$0
Number of additional cardholders9

Expert review


Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The BOQ Specialist Signature is a premium credit card that’s only available if you’re a qualified accountant, doctor, dentist, vet or a student or professional in a related field. If that’s you, the generous bonus Qantas Points offer would give you enough for three return business class flights between Melbourne and Sydney (110,400 points), a return business class flight between Sydney and Perth (83,000 points) or $600 worth of Woolworths WISH digital gift cards (124,230 points for two $250 cards and one $100 card).

How to apply

You can apply for the BOQ Specialist Signature credit card online in about 15 minutes. To get started, make sure you meet the following eligibility criteria and have all the documents and details you need for the application.

Eligibility criteria

  • Industry professional. To apply for this card, you must be a medical, dental or veterinary professional, a student training in one of these professions or a qualified accountant.
  • Minimum income. You must earn at least $120,000 per year.

Card benefits

  • 130,000 bonus Qantas Points. Apply by 30 April 2021 and spend $4,000 on eligible purchases in the first 3 months from card approval to earn 100,000 bonus Qantas Points. You'll earn the remaining 30,000 bonus points when you keep the account open (and use it) for at least a year, based on when you pay the annual fee. Eligible transactions include most everyday spending but exclude fees and charges, interest and asset finance repayments on BOQ Specialist commercial loans.
  • Qantas Points per $1 spent. The BOQ Specialist Signature earns 1 Qantas Point per $1 spent on eligible purchases in Australia, up to 10,000 points per month and 0.5 Qantas Points per $1 spent for the remainder of the month. It also earns 1.5 Qantas Point per $1 on eligible international spending, uncapped. Eligible spending covers most everyday purchases but excludes transactions such as cash advances, balance transfers, BPAY payments, account fees, payments to the ATO and other government transactions.

Rates & fees

  • Annual fee. The BOQ Specialist Signature card has an annual fee of $400 p.a. Make sure you consider this cost when weighing up the potential value you'll get from points and perks.
  • Purchase interest rate. While the 20.5% p.a. purchase rate on this card is similar to the rates on other frequent flyer credit cards, it will quickly add up if you carry a balance. So if you're planning to pay off purchases over a few months, you may want to look at low rate options as well.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site