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Bank of Queensland Credit Cards

Compare BOQ credit cards with features including balance transfer offers, low rates, rewards and platinum card benefits.

BOQ (Bank of Queensland) offers credit cards to suit different goals, ranging from low rate credit cards to rewards and platinum options that come with complimentary extras. Depending on the card, you could also enjoy an introductory low or 0% interest rate on balance transfers or bonus reward points when you apply and meet the eligibility requirements.

Use this guide to compare BOQ credit card features and introductory offers to help you find a card that suits your needs.

Comparison of Bank of Queensland credit cards

Rates last updated April 27th, 2019
$
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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
BOQ Blue Visa Credit Card
0% p.a. for 6 months
20.74% p.a.
$60 p.a.
Receive $120 cashback when you spend $500 per month on retail purchases for the first 3 months, and a 6 month interest-free balance transfer offer.
BOQ Low Rate Visa Credit Card
0% p.a. for 14 months
13.49% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases, a 14-month balance transfer offer, plus you can set up automatic credit card repayments.
BOQ Platinum Visa Credit Card
0% p.a. for 12 months
20.74% p.a.
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 1,000 bonus Q Rewards points monthly when you meet the spend requirement, a 12-month balance transfer offer and $0 first year annual 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 14 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 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, extended warranty insurance and access to a round-the-clock concierge service.

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.

  • Visa payWave contactless payments

All new BOQ credit cards offer Visa’s 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. If your purchase is over $100, you'll have the choice of tapping to pay or inserting the card, then entering your PIN to verify the transaction.

  • 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 a few 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.

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61 Responses

  1. Default Gravatar
    JohnFebruary 12, 2019

    How do I redeem my credit card points to purchase hotel accommodation?

    • finder Customer Care
      JoshuaFebruary 13, 2019Staff

      Hi John,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      You can redeem your Bank of Queensland (BOQ) credit card points through their Internet Banking system. All you need to do is go to their official website, log on to your online account, select the credit card from your accounts list, and then go to “Q Rewards® / Other Card Functions” to view your points, redeem and see the latest offers. You can then check there if there are available hotel accommodations you can redeem.

      Alternatively, you can contact Q Rewards® customer support.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    KerryJanuary 1, 2019

    I am self-employed and need to know if ATO issued Notice of Assessment for years ended 30th June 2016 & 30th June 2017 would meet your iverification requirements for either a personal loan or credit card (Maximum facility or limit $15000 – $17000).

    Thank you.

    • finder Customer Care
      JeniJanuary 1, 2019Staff

      Hi Kerry,

      Thank you for getting in touch with finder.

      As per this page you’re looking at, the financial requirements are your employment details and 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. I suggest that you contact Bank of Queensland directly regarding your credit/personal loan application to know whether your documents on hand are valid and to know your chances of being approved.

      If you’re currently looking around for personal loan for self-employed, you may check out your personal loan option on this page. Please make sure that you’ve check the eligibility criteria and read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the loan product is right for you.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  3. Default Gravatar
    meharryJuly 4, 2018

    i wish to stop some auto payments

    • Default Gravatar
      JoelJuly 4, 2018

      Hi Meharry,

      Thanks for leaving a question on finder.

      You must contact your merchant and request they cancel your Regular Payment Arrangement. Be aware that you may be required to provide alternative payment details for the goods and/or services being provided.

      If after a reasonable time, your merchant fails to cancel your Regular Payment Arrangement you may contact your financial institution for assistance.

      Note that closing your scheme card account does not automatically cancel your Regular Payment Arrangements on that scheme card account. You must contact the merchant to either cancel the Regular Payment Arrangement or provide replacement card details for future payments.

      Cheers,
      Joel

  4. Default Gravatar
    BonnieSeptember 14, 2017

    My husband and I ARE REACHING RETIREMENT and we would like to do regular travel. Which card would suit.?

    • finder Customer Care
      RenchSeptember 15, 2017Staff

      Hi Bonnie,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You can also have a look on this page to compare your options for credit cards that have complimentary travel insurance You may check the table on the page and see info about the maximum age for standard coverage.

      Hope this information helped.

      Cheers,
      Rench

  5. Default Gravatar
    FrankNovember 21, 2016

    I paid my Visa Platinum card 5 days early,as I was going away and would not be near a computer or bank.Now I have been charged an interest charge of $115 ,and the reason I have been told is it should have been paid on the due date and not earlier.I also have been told that I lose my 30 day interest free days,and can only get them back,once 2 months is up and I have paid the due amount on the due date.Is this correct.

    • finder Customer Care
      HaroldNovember 22, 2016Staff

      Hello Frank,

      Thank you for your inquiry.

      Basically, if you have a late payment the provider will charge you an amount of “$10”. Since you mentioned you paid prior the due date but they still charged for an early payment. You may need to contact them directly to clarify this matter and if the fees they charged to you were under terms and conditions with your provider. For your additional reference you may be interested to read this article.

      I hope this information has helped.

      Cheers,
      Harold

  6. Default Gravatar
    LaureenceOctober 28, 2016

    How do you reclaim points from visa card?

    • finder Customer Care
      MayOctober 28, 2016Staff

      Hi Laureence,

      Thanks for your inquiry.

      It may be best to get in touch with your bank’s rewards customer service directly if you wish to reclaim your credit card rewards points as they have the details and records of your account.

      Cheers,
      May

  7. Default Gravatar
    KerryOctober 6, 2016

    I am looking for a credit card that prevents on line gambling transactions

    • finder Customer Care
      MayOctober 6, 2016Staff

      Hi Kerry,

      Thank you for your question.

      The following credit-card providers explicitly state that you can’t use your credit card for gambling transactions:

      BOQ
      Citibank
      Diners Club
      Suncorp Bank
      Virgin Money

      These providers all list details of restricted transactions in their credit card terms and conditions that if you try to make a gambling transaction using a credit card from one of these companies, it may be declined.

      Cheers,
      May

  8. Default Gravatar
    vivianeOctober 2, 2016

    Can we use our credit card in hawaii and if so is there any fees

    • finder Customer Care
      MayOctober 5, 2016Staff

      Hi Viviane,

      Thank you for your inquiry.

      Yes, you can use your BOQ credit card overseas or in Hawaii. Just to confirm, though, which BOQ credit card you are referring to? The fees that may apply are:

      – Overseas Cash Advance Fee = 2% of the cash advance amount or minimum of $4.00
      – Overseas ATM Balance check = $2
      – Overseas ATM Withdrawal Fee = $5
      – Foreign Currency Conversion Fee (VISA) = 3.4% of transaction value

      Cheers,
      May

  9. Default Gravatar
    JohnAugust 15, 2016

    How do we check what is on offer for Qrewards through internet.

    • finder Customer Care
      MayAugust 15, 2016Staff

      Hi John,

      Thanks for your question. Just to confirm though that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually BOQ.

      If you want to check what’s on offer with Q Rewards, please visit BOQ’s website.

      Cheers,
      May

  10. Default Gravatar
    WalterMay 24, 2016

    How to register to receive invitation to increase the credit card limit?

    • finder Customer Care
      LouMay 24, 2016Staff

      Hi Walter,

      Thanks for your question

      If you would like to apply for a credit limit increase on your Bank of Queensland credit card, simply go to the “Manage your credit card” page then select the “Other Card Functions” button. From there, you can already submit an application for credit limit increase. Alternatively, you can also visit your nearest Bank of Queensland branch.

      I hope this helps.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated April 27th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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