Bank of Queensland Credit Cards

BOQ (Bank of Queensland) offers credit cards with features ranging from low rates to rewards and platinum options that come with complimentary extras. Compare BOQ credit cards here and learn more about banking with BOQ so you can decide if it fits with your goals.

Bank of Queensland: 2022 Credit Card Provider Customer Satisfaction Finalist

Comparison of Bank of Queensland credit cards

Name	Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
BOQ Platinum Visa Credit Card Q Rewards	Purchase rate p.a. 20.74%	Annual fee $65 first year ($129 after)	Balance transfer rate p.a. 0% for 12 months with 1% balance transfer fee, then 21.74%	Amount Saved $862.32 over 12 months	More Info Compare	Collect 100,000 bonus Q Rewards points when you meet the spend criteria. Plus, get a 0% balance transfer offer and a discounted first-year annual fee.
BOQ Low Rate Visa Credit Card	Purchase rate p.a. 13.49%	Annual fee $55	Balance transfer rate p.a. 0% for 18 months, then 21.49%	Amount Saved $1,225.99 over 18 months	More Info Compare	A no-frills card offering 0% p.a. on balance transfers for the first 18 months with no balance transfer fee.
BOQ Blue Visa Credit Card Q Rewards	Purchase rate p.a. 0% for 9 months, then 20.74%	Annual fee $60	Balance transfer rate p.a. 0% for 9 months, then 21.74%	Amount Saved $649.81 over 9 months	More Info Compare	This card offers 0% p.a. on purchases and balance transfers for the first 9 months with no balance transfer fee.

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Types of credit cards from BOQ

BOQ credit cards are designed to suit different needs, with the range including low rate, rewards and platinum cards. Check out the key features and benefits for each type of BOQ credit card below.

• Low rate credit cards

The BOQ Low Rate Visa card offers low ongoing variable interest rate on purchases. It also comes with an introductory 0% p.a. balance transfer rate for the first 18 months. By paying your account’s outstanding balance in full each month, you could also enjoy up to 55 interest-free days on purchases.

• Rewards credit cards

The BOQ Blue Visa and BOQ Platinum Visa are rewards cards that are both linked to the bank's Q Rewards program so that you can earn points per $1 spent on eligible purchases. When you've collected enough points, you can redeem them for a variety of rewards including travel packages, flights, hotels, merchandise and gift cards.

• Platinum credit cards

The BOQ Platinum Visa credit card comes linked to the Q Rewards Program and earns 2 reward points for every $1 spent on eligible purchases. This card also features platinum card benefits, including complimentary international travel insurance and extended warranty insurance.

Benefits of using a Bank of Queensland credit card

Choosing one of these BOQ credit cards will give you access to the following benefits:

• Online and mobile banking

You can manage your BOQ credit card account on-the-go with the BOQ online and mobile banking platforms. This means you can make payments, check your balance, find BOQ branches or ATMs and gain access to unique banking tools at any time, from anywhere in the world.

• Digital wallets and contactless payments

All BOQ credit cards offer Visa payWave technology. This means that you can tap-and-go when you make a purchase of less than $100 at a merchant that supports this technology. You can also link your card to Samsung Pay, Google Pay and Apple Pay and use your eligible smartphone or wearable device to make contactless payments at the terminal.

• Complimentary insurance

If you get the BOQ Blue Visa or Platinum Visa, you can enjoy purchase protection insurance to cover eligible items bought with your card against theft or damage. If you have the BOQ Platinum Visa, you'll also gain access to complimentary international travel insurance and extended warranty cover. Terms, conditions and exclusions, as well as some limits and excess costs may apply, so please refer to the complimentary insurance conditions available on the BOQ website.

• Account security

All BOQ credit cards come with Fraudshield security and offer emergency card replacement within 24 hours in Australia to help keep your account safe.

How to apply for a Bank of Queensland credit card

You can apply for a BOQ credit card online in 20 minutes. You can also apply in a BOQ brand or over the phone. Before you apply, make sure that you meet the following eligibility criteria:

Eligibility criteria

• How old are you? You must be over 18 years of age to apply for a BOQ credit card.
• What is your residency status? You must be a permanent resident of Australia or an Australian citizen.
• Minimum income levels. You must 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

Keep these documents and details handy to help speed up your BOQ credit card application:

• Personal details. This includes your complete name, date of birth, marital status, number of dependents, and driver’s licence number. You'll also need to provide your residential address, phone number and email address.
• Employment details. You'll need to provide your employment status, occupation and salary, along with your employer’s name and contact details.
• Financial information. As well as your employment details, you'll need to share information about any other assets such as savings and existing debts such as personal loans, other cards or mortgages. You also need to provide a summary or estimate of your regular household expenses.

BOQ offers a selection of credit cards to suit different spending habits and needs. Compare these cards to other options on the Australian market so that you can find one that's right for you.

Frequently asked questions

Want to know more about BOQ credit cards? Read our answers to frequently asked questions or leave a message for us below.

• What happens after I submit my application for a BOQ credit card?

  After BOQ receives your credit card application, it sends you an email confirming your application details. You can then check the status of your application at any time through the BOQ website.

• Can I get an additional card?

  Yes, you can get an additional card linked to your BOQ credit card. If you have the Low Rate or Blue card, you have to pay an additional card fee of $15 per year for each additional cardholder you add to your account. With the Platinum card, you can get up to 4 additional cards for free. Please note that only the primary cardholder will be responsible for managing the balance and making the required repayments on the card.

• How do I increase my credit limit?

  You can request a credit limit for your BOQ credit card at any time via Internet banking. Please note requests for credit limit increases are subject to BOQ's lending criteria and approval.

• How can I make repayments towards my BOQ credit card?

  BOQ offers you the following credit card payment options:

  • BPAY payments
  • Internet banking transfers
  • Automatic payments with Easi-Pay
  • In-person payments at any BOQ branch or Pay@Post
  • By cheque

  Keep in mind that some payment options may take a few days to be processed. This means you may need to make the payment before the due date on your statement to ensure that BOQ receives it in time.

• What should I do if I lose my card, and will I have to pay to get a replacement card?

  You should report a lost or stolen card immediately by calling 1300 55 72 72 and speaking to a BOQ representative.

• What is the history of BOQ?

  Bank of Queensland (BOQ) began operations in 1874, and is now among the leading regional banks in Australia. It has over 250 branches across the country and offers an array of personal and business banking products and services. Its personal banking offerings include everyday accounts, savings accounts, personal loans, home loans, insurance solutions and credit cards.

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