Compare BOQ credit card 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. 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
Types of credit cards from BOQ
BOQ offers a low rate card, a rewards card and a platinum card, each with different features and benefits.
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 12 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 BOQ's Q Rewards program and let you earn reward points as you spend. 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
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 earns 2 reward points for every $1 spent on eligible purchases. This card also offers 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
When you get a BOQ credit card, you'll also gain 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.
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.
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:
- 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.
Keep these documents and details handy to help speed up your BOQ credit card application:
- 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.
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 and how much would I have to pay?
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. 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 card?
You can use the Easi-Pay system to set up automatic payments, you can make payments via BPAY, you can make payments in person by visiting any BOQ branch and you can mail in a cheque.
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.