What credit limit can I expect?

As a guide, the minimum credit limit of the platinum card is $6,000, and it is $15,000 for the Signature card. Your credit limit is determined based on a number of factors, including your income and credit history, so you won't know the exact amount until your application is approved by BOQ Specialist.

How can I make repayments?

You have the following options for making repayments to your BOQ Specialist credit card: BPAY from an Australian bank account Electronic transfer from a BOQ Specialist bank account in your name Direct debit from an approved account (i.e. not another credit or charge account) The Bank@Post payment service at Australia Post outlets Cheque Your monthly credit card statement includes details of your repayment options, including the required minimum repayment and the due date. Make sure you allow time for your payment to be processed by the due date. For example, BOQ Specialist recommends you allow 5 business days for receipt and processing of a cheque payment.

How do I earn reward points?

You earn reward points when you use your BOQ Specialist card to make eligible purchases, which includes most everyday spending on goods and services. Transactions that are not eligible to earn points include balance transfers, cash advances, payments made to the Australian Taxation Office (ATO) and BPAY payments.

BOQ Specialist Credit Cards

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BOQ Specialist offers credit cards for medical professionals including doctors, vets, dentists and students in related fields.
These cards offer premium perks, 24/7 security and mobile payments through Apple Pay and Google Pay.

Compare BOQ Specialist Credit Cards

Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
BOQ Specialist Signature Credit Card Qantas Frequent Flyer	Bonus points 20,000	Points per $ spent 1	Purchase rate p.a. 20.5%	Annual fee $400	View details Compare product selectionCompare	loading
BOQ Specialist Platinum Credit Card Qantas Frequent Flyer	Bonus points N/A	Points per $ spent 0.4	Purchase rate p.a. 13.99%	Annual fee $0	View details Compare product selectionCompare	loading

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Benefits of getting a BOQ Specialist credit card

Some of the benefits you can get with a BOQ Specialist credit card include:

Frequent flyer benefits

These cards give you a choice of earning Qantas Points or Velocity Points for your eligible spending. If you're not a member of the Qantas Frequent Flyer program, you can also join through BOQ Specialist and save on the $99.50 joining fee.

Complimentary insurance covers

Both the Platinum and Signature BOQ Specialist cards offer complimentary insurance covers, including overseas travel insurance, card purchase cover and buyer's advantage cover. The Platinum card provides purchase cover and buyer's advantage cover, while the Signature card also includes overseas travel insurance, in addition to the other covers. As there are different requirements for each card and type of cover, make sure you read the BOQ Specialist credit card insurance booklet (available on the BOQ Specialist website) to find out what's covered and how you can make a claim.

Concierge service

BOQ Specialist credit cards give you access to a Visa concierge service. This service can help you with tasks such as booking travel, making restaurant reservations, organising big events and buying gifts for loved ones.

Digital wallets

You can add BOQ Specialist credit cards to Apple Pay and Google Pay for mobile payments from your phone or other devices.

How to apply for a BOQ Specialist 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.

Credit card brands similar to BOQ Specialist

If you want a credit card from a bank that's focused on medical professionals and people who work in essential services – or one with options for sole traders and business owners – here are 3 other credit card providers you could compare with BOQ Specialist:

Frequently asked questions

You have the following options for making repayments to your BOQ Specialist credit card:
- BPAY from an Australian bank account
- Electronic transfer from a BOQ Specialist bank account in your name
- Direct debit from an approved account (i.e. not another credit or charge account)
- The Bank@Post payment service at Australia Post outlets
- Cheque
Your monthly credit card statement includes details of your repayment options, including the required minimum repayment and the due date. Make sure you allow time for your payment to be processed by the due date. For example, BOQ Specialist recommends you allow 5 business days for receipt and processing of a cheque payment.

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

Amy's expertise

Amy has written 471 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
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BOQ Specialist Credit Cards

Compare BOQ Specialist credit card features including frequent flyer points, complimentary insurance and concierge services.