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Bank of Queensland Credit Cards

Compare BOQ credit cards with features to suit different spending styles.

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BOQ

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.

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Comparison of Bank of Queensland credit cards

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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%
$862.32 over 12 months
More Info
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%
$1,225.99 over 18 months
More Info
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%
$649.81 over 9 months
More Info
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.

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More guides on Finder

  • BOQ Platinum Visa Credit Card

    A platinum credit card offering 100,000 bonus points, a 0% balance transfer offer and complimentary insurance for travel and shopping.

  • BOQ credit card complimentary travel insurance

    If you don’t want to pay for travel insurance, here’s what you’ll get with an BOQ credit card offering complimentary insurance.

  • BOQ Low Rate Visa Credit Card

    This low rate credit card offers 0% interest balance transfers for the first 18 months. Check out its other features here.

  • BOQ Blue Visa Credit Card

    Get a competitive annual fee and pay down debt with 0% purchase and balance transfer offers or reward your spending with Q Rewards points per $1 spent.

  • BOQ Q Rewards

    Earn Q Rewards points per $1 spent with a Bank of Queensland credit card and redeem them for travel rewards, cashback, gift cards and more.

Ask a Question

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65 Responses

    Default Gravatar
    NicolaMay 23, 2024

    Can you use one credit card to pay off another credit card

      AvatarFinder
      SarahMay 24, 2024Finder

      Hi Nicola, Technically, yes you can do this, but you will pay interest immediately on the card use you to pay the other card. This is because you’ll need to withdraw the money as a “cash advance” and use this to make a payment on your other card, and interest of 20-25% is charged from the day you withdraw the card. So, this is a very expensive exercise.

      Hope this helps!

    Default Gravatar
    AllanJune 14, 2023

    are the 150000 rewards points Qantas Frequent Flyer points?

      AvatarFinder
      AmyJune 15, 2023Finder

      Hi Allan,
      Bank of Queensland credit cards offer Q Rewards points through the bank’s rewards program. If you want to earn Qantas Points with a credit card, you can compare Qantas Frequent Flyer credit cards on Finder. I hope that helps.

    Default Gravatar
    JohnFebruary 12, 2019

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

      AvatarFinder
      JoshuaFebruary 13, 2019Finder

      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

    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.

      AvatarFinder
      JeniJanuary 1, 2019Finder

      Hi Kerry,

      Thank you for getting in touch with Finder.

      As per this page, the financial requirements are your employment details and information about any other assets such as savings and existing debts like 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 the 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 can use our comparison table to help you find the lender that suits you. Press the “Go to site” button to apply. Please make sure that you 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

    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

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