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Bank of Queensland Credit Cards

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

Rates last updated October 18th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
BOQ Blue Visa Credit Card
20.74% p.a.
0% p.a. for 6 months
$60 p.a.
Earn 1 Q Rewards® point per $1 spent on eligible purchases and enjoy complimentary Purchase Cover Insurance.
BOQ Low Rate Visa Credit Card
13.49% p.a.
0% p.a. for 12 months
$55 p.a.
Receive up to 55 days interest-free on purchases and set up automatic credit card repayments with Easi-Pay.
BOQ Platinum Visa Credit Card
20.74% p.a.
0% p.a. for 14 months
$60 p.a. annual fee for the first year ($129 p.a. thereafter)
Get 30,000 bonus Q Rewards® points when you meet the minimum spend requirement, plus access to a 24/7 personal concierge service.

Compare up to 4 providers

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.

Learn more about Low Rate Credit Cards

  • 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.

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 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.

Learn more about Platinum Credit Cards

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.

  • 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:

  • 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.

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.

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.

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.

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.

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

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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Read more on this topic

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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55 Responses

  1. Default Gravatar
    BonnieSeptember 14, 2017

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

    • Staff
      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

  2. 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.

    • Staff
      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

  3. Default Gravatar
    LaureenceOctober 28, 2016

    How do you reclaim points from visa card?

    • Staff
      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

  4. Default Gravatar
    KerryOctober 6, 2016

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

    • Staff
      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

  5. Default Gravatar
    vivianeOctober 2, 2016

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

    • Staff
      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

  6. Default Gravatar
    JohnAugust 15, 2016

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

    • Staff
      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

  7. Default Gravatar
    WalterMay 24, 2016

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

    • Staff
      AnndyMay 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

  8. Default Gravatar
    inderjitJuly 18, 2015

    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?

    • Staff
      JonathanJuly 20, 2015Staff

      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

    • Default Gravatar
      inderjitJuly 20, 2015

      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.

    • Staff
      JonathanJuly 20, 2015Staff

      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

  9. Default Gravatar
    heatherMarch 1, 2015

    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

    • Staff
      JonathanMarch 2, 2015Staff

      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

    • Default Gravatar
      heatherMarch 2, 2015

      Jonathan, we have the blue visa card. is it $49 for the 2 cards or each.

    • Staff
      JonathanMarch 2, 2015Staff

      Hi Heather, thanks for your response.

      For each Blue Visa Card the annual fee is $49 and $15 for additional cardholders.

      Cheers,

      Jonathan

    • Default Gravatar
      heatherMarch 2, 2015

      thank you. Is the interest rate the best you can do?

    • Staff
      JonathanMarch 2, 2015Staff

      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

  10. Default Gravatar
    joy_jJanuary 30, 2015

    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.

    • Staff
      JonathanFebruary 3, 2015Staff

      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

Credit Cards Comparison

Rates last updated October 18th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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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