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
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
What happens after I submit my application?
After BOQ receives your credit card application, it sends you an email confirming the same, and you can check the status of your application at any time using 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.
How do I increase my credit limit?
You have to submit an application to BOQ to increase your card’s credit limit, and for BOQ to approve your application you have to meet its lending criteria.
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.
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.
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
How do you reclaim points from visa card?
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
I am looking for a credit card that prevents on line gambling transactions
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
Can we use our credit card in hawaii and if so is there any fees
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
How do we check what is on offer for Qrewards through internet.
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
How to register to receive invitation to increase the credit card limit?
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
I was told that BOQ card I have will offer lounge availability at international airports. How do find out which lounge to go when I am at London, Berlin and Iceland airports?
Hi Inderjit, thanks for your inquiry!
Please refer to the link I have sent to your email for the BOQ Rewards portal which will allow you to access, browse and redeem the different types of rewards available.
Cheers,
Jonathan
I had a look at portal. It does not answer my question. I am travelling overseas in 3 days, Do i present my signature card to enter a lounge facility who is participating with Visa card holders. Is that what is required or there are some airline lounges who will offer this to BOQ signature card holders.
Please let me know.
Hi Inderjit, thanks for your response.
BOQ provides One complimentary Priority Pass™ Standard Membership, with unlimited lounge visits for the primary cardholder of the Signature Card. Signature cardholders will automatically be enrolled for the Priority Pass™ Standard Membership. It will take up to 15 working days for your Priority Pass™ card to arrive in the mail. Your membership card and air ticket will be required to enter a lounge facility. When presenting the Priority Pass card on entering the lounge, lounge staff will either electronically scan or take an imprint of the card and issue a ‘Record of Visit’ voucher or receipt to the cardholder or make a log entry. The cardholder must sign the ‘Record of Visit’ voucher or receipt, or sign the electronic reader (as applicable), which will also reflect the exact number of accompanying guests.
Cheers,
Jonathan
I currently have a visa card with B O Q. My husband has one as well but i am the primary card holder. How much is the annual fee for the two cards? Have had the cards for some years, is this the best annual fee and interest rate you can do as we are looking at going to a lower fee/interest rate card
Hi Heather, thanks for your inquiry.
Could you please clarify which BOQ Visa credit card you are using? The BOQ Low rate has a $0 p.a. annual fee for the first year and $55 p.a. afterwards, BOQ Blue Visa has a $49 p.a. annual fee and the BOQ Platinum has a $0 p.a. annual fee for the first year with $199 p.a. thereafter. For more information and a list of low fee/ interest rate cards please see this page.
Cheers,
Jonathan
Jonathan, we have the blue visa card. is it $49 for the 2 cards or each.
Hi Heather, thanks for your response.
For each Blue Visa Card the annual fee is $49 and $15 for additional cardholders.
Cheers,
Jonathan
thank you. Is the interest rate the best you can do?
Hi Heather, thanks for your response.
Please note that finder.com.au is a comparison service and is not directly affiliated with the BOQ. For a list of no annual fee credit cards please see this page.
Cheers,
Jonathan
I qualify for the Platinum Credit Card for the Bank of Queensland. How long is the processing time if I apply personally to get approved? Once approved, can I use it immediately? Thank you very much.
Hi Joy_j,
Thanks for your inquiry!
It generally takes about two weeks from application to receiving your card. Once you submit your application for a Bank of Queensland credit card, you will be contacted on the email you provided to confirm that your application has been received. You can check on the status of your Bank of Queensland credit card application at any time on the BOQ website. Enter the 17 digit application reference number provided to you by BOQ to see how your credit card application is progressing. Generally a card can be used upon activating it by contacting the lender/ bank once the card has been received.
I hope this helps!
Cheers,
Jonathan
Can I have my renewal credit cards sent to an overseas address
Hi David,
Thanks for your inquiry,
Overseas card replacements are $75.00 for each card and can be sent to an overseas address.
I hope this helps!
Cheers,
Jonathan