Bank of Queensland credit cards

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Bank of Queensland is not currently accepting new applications for this credit card.

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

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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 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 you'll need to meet minimum income requirements (which vary depending on the card). 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.

Sources

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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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Amy has written 505 Finder guides across topics including:

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67 Responses

SteveDecember 26, 2013

What is your editor’s review on the BOQ Platinum credit card.

Finder

JacobDecember 26, 2013Finder

Hi Steve.

Thanks for your question.

You may refer to our BOQ Platinum Visa Credit Card page to read our expert’s review.

Cheers,
Jacob

ErrolNovember 30, 2013

How can I view the transactions on my visa credit card? I need to keep an eye on my spending.

Finder

JacobNovember 30, 2013Finder

Hi Errol.

Thanks for your question.

You can view your account balance and transaction history through your Bank of Queensland online banking facility. Once you receive your card, you will need to register your account for online / internet banking. This can be done by calling the Bank of Queensland customer service centre.

I hope this helps.

JillNovember 28, 2013

Can you link Bank of Qld credit cards to velocity points?

Finder

JacobNovember 28, 2013Finder

Hi Jill,

Thanks for your question.

We do not compare any Bank of Queensland credit cards that reward your spending with Velocity Points. The Bank of Queensland has one rewards option, which rewards you with Q Rewards, which you can then use to redeem on a number of airlines – including Virgin. You can compare a range of credit cards that reward your spending with Velocity Points.

I hope this helps.

Cheers,
Jacob

JillAugust 5, 2013

We are having trouble with the fax number we were given by BOQ which is 88250731 regarding the Rewards. Have we mixed up any of the numbers because it keeps coming back rejected. Thank you

Finder

MattAugust 5, 2013Finder

Hi Jill,

Thanks for your comment. For Bank of Queensland you may need to add the 07 area code to the phone number if you aren’t faxing from inside Queensland.

If that doesn’t help, please try contacting them directly.

Cheers
Matt

PaulJune 3, 2013

Dear CCF
Does the BOQ Blue Q Rewards Visa card have a monthly point limit?
Does electronic payment of bills through BPAY contribute to the accumulation of points?
Can the rewards be redeemed as cheaper flights with Virgin?

Finder

JacobJune 3, 2013Finder

Hi Paul. Thanks for your question.
1) According to the small print, ‘Reward points are capped per annum – 65,000 for Blue Visa cards and 240,000 for Platinum Visa cards’
2) The terms and conditions state that an eligible transaction, ‘Eligible Transaction means any Retail Purchase which is made by the use of a Card or any other means authorised by us, excluding (but not limited to) transactions by way of Cash Advance, Special Promotions, fees, purchases of foreign currency and travellers cheques, interest charges, government charges, insurance charges, payments to loan accounts (mortgage etc), transactions made in operating a business and all other transactions if the Account is more than $10,000 in credit.’ It does not make mention of BPAY transactions; however, in our experience it will depend on the merchant. If they are set up to accept BPAY, the transaction will be treated as a purchase and you will earn points. If they are not set up to accept BPAY transactions it will be treated as a cash advance and you won’t earn points.
3) Once you have earned a enough rewards, you can redeem your rewards for flights through ‘Take Flight’. This is a travel booking service which allows you to redeem your points for travel and is managed online.
Hope this has helped. Let us know if you need more information. Jacob.

Bank of Queensland Credit Cards

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