Bank of Queensland credit cards

BOQ (Bank of Queensland) offers credit cards with features ranging from low rates to rewards and platinum options that come with complimentary extras.

Comparison of Bank of Queensland credit cards

Purchase rate p.a.	Annual fee	Balance transfer rate p.a.	Amount Saved
BOQ Blue Visa Credit Card Q Rewards	20.99%	Annual fee $89	Balance transfer rate p.a. 0% for 6 months with 1% balance transfer fee, then 21.99%	$344.02 over 6 months	View details Compare product selectionCompare	loading
BOQ Low Rate Visa Credit Card	13.99%	Annual fee $65	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 21.99%	$1,431.89 over 24 months	View details Compare product selectionCompare	loading
BOQ Platinum Visa Credit Card Q Rewards	20.99%	Annual fee $75 first year ($149 after)	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	$702.32 over 12 months	Collect 100,000 bonus Q Rewards points and save with a discounted annual fee in the first year.	View details Compare product selectionCompare	loading

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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 contactless technology. This means that you can tap-and-go when you make a purchase of less than $200 at a merchant that supports this technology. The card schemes set this limit rather than the bank, and it is $200 for Visa and $100 for Mastercard, so it can change. 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.

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.
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.

Compare other products from Bank of Queensland

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Written by

Amy Bradney-George

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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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67 Responses

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.

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JonathanFebruary 3, 2015Finder

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

DAVIDJanuary 27, 2015

Can I have my renewal credit cards sent to an overseas address

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JonathanJanuary 28, 2015Finder

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

RonMarch 24, 2014

why have my wife and I received in the mail today a new visa card when our existing cards do not expire until may 2016 also new card is totally different number than existing card.

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JacobMarch 24, 2014Finder

Hi, Ron.

Thanks for your question.

Banks will occasionally send out offers to existing customers. If you’re unsure about whether the card was intended for you, please contact the lender directly.

MaryFebruary 27, 2014

Is there a cancellation fee to cancel a credit card and if so when is it applicable, for example after 12 months, before 12 months? I do not intend to use the credit card but have been advised that to hire a vehicle overseas I need to have one.

Finder

JacobFebruary 27, 2014Finder

Hi, Mary.

Thanks for your question.

There is no fee for cancelling a credit card. You can cancel a credit card at any time provided that you’ve paid the balance in full.

I hope this helps.

SamFebruary 8, 2014

which bank is BOQ is related to?

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MarcFebruary 10, 2014Finder

Hi Sam,
thanks for the question.

Bank of Queensland is related to Citibank in that Citigroup are the credit issuer for all Bank of Queensland credit cards.

I hope this helps,
Marc.

Bank of Queensland Credit Cards

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

Key takeaways

Comparison of Bank of Queensland credit cards