Bank of Queensland Credit Cards

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 through the myBOQ app and myBOQ Internet Banking. 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

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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?

  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 per year for each additional cardholder you add to your account. 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 BOQ credit card?

  BOQ offers you the following credit card payment options:

  • BPAY payments
  • Direct Debit (Autopay)
  • Cash payments at any Australia Post outlet with Bank@Post (a $2.50 fee applies)

  Keep in mind that some payment options may take a few days to be processed. This means you may need to make the payment before the due date on your statement to ensure that BOQ receives it in time.

• 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.

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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