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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. Here, you'll find key details about BOQ Specialist credit cards, as well as benefits you can get when you open an account.
BOQ Specialist Credit Card Offer
BOQ Specialist Signature Credit Card with Qantas Points
Receive up to 140,000 bonus Qantas Points
Offer ends 30 September 2021
Eligibility criteria, terms and conditions, fees and charges apply
BOQ Specialist Credit Card Offer
Receive up to 140,000 bonus Qantas Points, uncapped Qantas Points on eligible transactions, plus access to complimentary travel insurance.
100,000 bonus Qantas Points (spend $4,000 within the first 3 months) and 40,000 points after 12 months
1 point per $1 up to 10,000 per month (then 0.5 per $1), 1 extra point per $1 on select Qantas Australia spend & 1.5/$1 overseas.
The BOQ Specialist Platinum Visa credit card offers 0.5 Qantas Points per $1 spent on eligible purchases in Australia and 1 Qantas Point per $1 on eligible international spending. It also offers complimentary insurance and a concierge service. As other platinum cards offer different perks, make sure you compare a range of cards to help you find one that fits your needs.
Signature credit cards
The BOQ Specialist Signature Visa is a top-tier credit card that offers complimentary travel insurance, a concierge service, Visa Luxury Hotel Collection benefits and airport lounge access through Priority Pass. It also offers 1 Qantas Point per $1 spent on eligible purchases in Australia, up to 10,000 points per month, then 1 Qantas Points per $1 spent for the remainder of the month. For overseas spending, it earns 1.5 Qantas Point per $1, with no cap.
Benefits of getting a BOQ Specialist credit card
Some of the benefits you can get with a BOQ Specialist credit card include:
Qantas Frequent Flyer benefits
These cards earn Qantas Points on your eligible spending, with 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia. Plus, 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 premium BOQ Specialist cards offer cardholders a variety of complimentary insurance covers, including overseas travel insurance, domestic flight inconvenience insurance, global hire car excess waiver, golfer's insurance and purchase protection insurance. 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.
If you choose the BOQ Specialist Signature card, you'll get a complimentary standard Priority Pass membership, including up to 4 lounge visits free of charge. You'll also get access to the Visa Luxury Hotel Collection, which provides Signature cardholders access to room upgrades, late check-outs and guaranteed rates. With either card, you can take advantage of discounted rates for the Airport Fast Track immigration service when you're travelling overseas.
The Visa concierge service can help you with tasks such as booking travel, making restaurant reservations, planning holiday activities, organising big events or buying gifts for loved ones.
You can use your BOQ Specialist credit card to make contactless payments with your smartphone devices thanks to Apple Pay and Google Pay.
How to apply for a BOQ Specialist credit card
You can apply for a BOQ Specialist credit card online by filling in a secure application form. To get started, make sure you meet the eligibility criteria and have all the documents and details needed to complete the application.
Australian residency status. You must be a citizen or permanent resident of Australia.
Profession. You must be a medical, dental or veterinary professional, or a student or graduate in one of these fields. You can also apply if you are a qualified accountant.
Age. You must be at least 18 years of age.
Income. For the BOQ Specialist Platinum, you must earn at least $60,000 annually, although students are exempt from this requirement. For the BOQ Specialist Signature, you must earn at least $120,000 per year.
Documents and details
Personal details. This includes your full name, date of birth, marital status, number of dependents, membership details of a medical or dental association, residential address, email address ad phone number. You also need to provide your driver’s licence number, Medicare card number or passport number to verify your ID.
Employment details. Provide your student or employment status, your profession, and your employer’s name and contact details. If self-employed, provide the name and contact details of your accountant.
Financial details. This section requires your gross annual income and expenses, and you also have to provide details about all your assets and liabilities. Assets include property, motor vehicles, investments, and savings, and liabilities comprise all existing forms of debts like credit cards, loans and overdrafts.
If you have any questions about the application process, call BOQ Specialist on 1300 160 160 or fill in an enquiry form on the BOQ Specialist website.
Frequently asked questions
Below, you'll find answers to some common questions about BOQ Specialist credit cards. If you have a question you'd like answered, you can also get in touch with the team at Finder by filling in the form below.
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.
Yes, you can request an additional card for someone, as long as they are at least 16 years of age. Note that you remain liable for all transactions made through the account.
You will get a credit card statement every month with details of the transactions, repayments and any applicable rates and fees. You can also check your account details through the BOQ Specialist online or mobile banking services.
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
Your 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.
You earn reward points when you use your 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.
Below are details of the points you'll earn for eligible spending:
BOQ Specialist Platinum card. This card earns 0.5 points for every $1 spent on eligible purchases in Australia, 1 point for every $1 spent on eligible purchases overseas, and 1 additional point per $1 spent on select Qantas products and services in Australia.
BOQ Specialist Signature card. This card earns 1 point for every $1 spent on eligible purchases in Australia, 1.5 points for every $1 spent on eligible purchases overseas, and 1 additional points per $1 spent on select Qantas products and services in Australia.
Note that BOQ Specialist is not currently advertising the option to earn Velocity Points through its credit cards. We've included the details below in case you already have a BOQ Specialist credit card that earns Velocity Points. If you want to apply for a new card and would prefer to earn Velocity Points, contact BOQ Specialist on 1300 160 160 to discuss your options.
BOQ Specialist Platinum. Cardholders earn 0.5 points for every $1 spent on eligible purchases in Australia, and 1 point for every $1 spent on eligible purchases overseas.
BOQ Specialist Signature. Cardholders earns 1 point for every $1 spent on eligible purchases in Australia, and 1.5 points for every $1 spent on eligible purchases overseas.
There is no cap on the BOQ Specialist Platinum credit card.
With the BOQ Specialist Signature credit card, you have a soft cap on your spending in Australia. This means you can earn 1 Qantas Point per $1 spent on eligible purchases in Australia, up to 10,000 points per month. After that, you earn 1 Qantas Points per $1 spent on eligible purchases in Australia for the rest of the month.
You can use your reward points to book flights, accommodation, car hire, gift cards and many other rewards available through your frequent flyer account.
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
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