Bank of Queensland Credit Cards

BOQ credit cards provide features to suit your requirements including balance transfers, low rates, Q Rewards® and platinum card benefits.

Comparison of Bank of Queensland Credit Cards

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Name	Product	Purchase rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Product Description
BOQ Blue Visa Credit Card		20.74% p.a.	0% p.a. for 6 months	$60 p.a.	Earn 1 Q Rewards® point per $1 spent on eligible purchases and enjoy complimentary Purchase Cover Insurance.	More info	Compare	loading Fetching your data...
BOQ Low Rate Visa Credit Card		13.49% p.a.	0% p.a. for 12 months	$55 p.a.	Receive up to 55 days interest-free on purchases and set up automatic credit card repayments with Easi-Pay.	More info	Compare	loading Fetching your data...
BOQ Platinum Visa Credit Card		20.74% p.a.	0% p.a. for 18 months	$129 p.a.	Get 30,000 bonus Q Rewards® points when you meet the minimum spend requirement, plus access to a 24/7 personal concierge service.	More info	Compare	loading Fetching your data...

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Types of credit cards from the Bank of Queensland

BOQ, as mentioned, provides three kinds of credit cards, which include a low rate card, a rewards card and a platinum card. If you plan to keep balances rolling in your account from one month to the next, getting the low rate card might be a good idea. If not, you can consider getting the rewards or platinum card. Details of what you can expect are as follows:

• Low rate credit cards

The BOQ Low Rate Visa card is like any other typical low rate card, where you have to pay a low ongoing interest rate on purchases. It comes with an introductory 0% p.a. balance transfer rate that stays in place for 12 months. By paying your account’s outstanding balance in full each month, you can make use of as many as 55 interest-free days on purchases.

Learn more about Low Rate Credit Cards

• Rewards credit cards

The BOQ Blue Visa card and BOQ Platinum Visa Credit Card fall under this category, giving you the ability to earn reward points as per your spending. Membership to the Q Rewards® Program is free, and you can earn up to 2 reward points for every dollar spent on eligible purchases. Both cards come with an introductory balance transfer rate and up to 55 interest-free days on purchases.

Learn more about Rewards Credit Cards

• Platinum credit cards

With a platinum card, you can expect more in terms of features, but also expect to pay a higher annual fee and interest rate. The BOQ Platinum Visa card comes linked to the Q Rewards® Program, and you get to earn 2 reward points for every dollar spent on eligible purchases. This card offers complimentary international travel insurance, extended warranty insurance, and access to a round-the-clock concierge service. Its 0% p.a. balance transfer rate stays in place for the first 18 months, and you can make use of up to 55 interest-free days on purchases.

Learn more about Platinum Credit Cards

Benefits of using a Bank of Queensland credit card

When you get a BOQ credit card you can look forward to a number of benefits, which include the following:

• Online and mobile banking

BOQ gives cardholders access to its online and mobile banking platforms for free. While you can use these platforms to set up payments, you can also turn to them to get account related information and pay bills via BPAY.

• Visa payWave

All new BOQ credit cards make use of Visa’s payWave technology. When you make a purchase of less than $100 at a merchant that supports this technology, you can use your card to make a contactless payment.

• Financial hardship

There are instances when not all goes as per plan, and if, at any point, you feel you have problems in keeping up with your credit card repayments you can get in touch with BOQ’s financial hardship division. After a thorough consultation that takes into account your existing financial situation, you should be able to work on a revised payment plan.

How to apply for a Bank of Queensland credit card

You can walk into any BOQ branch to apply, you can apply over the phone, or you can submit an online application; but only after you make sure that you meet the following eligibility criteria:

Eligibility criteria

• You’re over 18 years of age
• You’re a permanent resident of Australia
• You earn at least $35,000 p.a. to apply for the Platinum Visa card, and at least $25,000 p.a. to apply for the Blue Visa card or the Low Rate Visa card.

Required documents

• Your complete name, date of birth, marital status, number of dependents, and driver’s license number
• Your residential address, residential status, phone number, and email address
• Your employment status and occupation along with your employer’s name and contact details
• Details surrounding your income and expenses.

Frequently asked questions