BOQ Specialist Signature Credit Card with Qantas Points or Velocity Points

Available only to medical professionals, this card offers a huge 140,000 bonus Qantas Points or Velocity Points.

The BOQ Specialist Signature card is exclusively for medical, dental and veterinary professionals. If you apply and are approved before 30 September 2021, you'll earn 100,000 bonus Qantas Points or Velocity Points by spending $4,000 on eligible purchases in the first 3 months. You earn another 40,000 bonus points when you keep the card for at least 12 months.

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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 140,000 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 points140,000
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

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

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

Card benefits

  • Up to 140,000 bonus Qantas Points or Velocity Points. Apply by 30 September 2021 and spend $4,000 on eligible purchases in the first 3 months from card approval to earn 100,000 bonus frequent flyer points. You'll earn the remaining 40,000 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. You can choose whether to earn Qantas or Velocity Points when you apply for this card, and will need to provide your frequent flyer membership number.
  • Frequent flyer points per $1 spent. The BOQ Specialist Signature earns 1 Qantas Point or Velocity Points 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.

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 doctor, dentist, vet 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) or a return business class flight between Sydney and Auckland (83,000 points) – with points to spare. If you're collecting Velocity Points instead, you could get two return business class flight between Melbourne and the Sunshine Coast (94,000 points) or $600 worth of Coles Group and Myer gift cards (130,800 points for six $100 gift cards).

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