BOQ Q Rewards: How to earn and use your credit card points

The Bank of Queensland (BOQ) Q Rewards is a credit cards reward program for cardholders with a BOQ Blue Visa Credit Card or BOQ Platinum Visa Credit Card. You can use these points when shopping at Q Rewards partners (like Kogan and Apple) or transfer the points to Flybuys or Velocity Points (with the Platinum Visa Card).

How can I earn BOQ rewards points with a credit card?

You'll earn Q Rewards points at the following rates for each $1 of eligible spending when you have one of these BOQ credit cards:

BOQ Blue Visa credit card: 1 point per $1 spent, uncapped
BOQ Platinum Visa credit card: 2 points per $1 spent, uncapped

🔥Tip: Look for introductory bonus point offers on BOQ credit cards if you're not a customer yet. They can give you hundreds and thousands of Q Rewards Points when you first get a card and meet the requirements.

What counts as eligible spending?

You can earn BOQ Q Rewards points when you make an eligible transaction. This covers most purchases except for exclusions like cash advances, balance transfers, special promotions, BPAY payments, government-related transactions, ATM charges, payments to other BOQ accounts and purchases of foreign currency.

Check BOQ's terms and conditions (pdf) for the full exclusions list.

What can I redeem Q Rewards points for?

You'll be able to view all the details of current rewards by logging into your BOQ account and navigating to the Q Rewards section. To give you an idea, here are details that were publicly available in 2024.

Flybuys transfers. You can transfer Q Rewards points to Flybuys by linking your accounts. The transfer rate and other details are not publicly available, so log in to see full details.
Velocity Points transfers. If you have a BOQ Platinum Visa credit card you can transfer points to Velocity Frequent Flyer at a rate of 3 Q Rewards points for 1 Velocity Point. You can transfer a minimum of 30,000 Q Rewards points per transfer.
Cashback options. When you use your credit card to pay for eligible purchases, you can receive a statement credit back to your account. You can also use points to pay your annual card fee.
Digital gift cards. You can redeem points for gift cards with partner brands.

How much are Q Rewards points worth?

There is no clear fixed dollar value for BOQ Q Rewards Points. It largely depends on what you redeem them for.

Rewards have different values, and the BOQ Q Rewards website does not publicly list the points needed for all of them. So you'll need to have an account and login to see details.

You can also calculate the value of your points for different types of rewards, or get an estimate of the value with Finder's points calculator.

How to redeem BOQ Q Rewards points

Log in to your Internet banking account, select your credit card from your list of accounts and select "Q Rewards/Other card functions". From there, you can view your points balance, browse the latest offers and redeem your rewards.

You can also log in through https://www.boqrewards.com/ or contact Q Rewards on 1300 206 349.

If you want to know more about these cards, check out Finder's guide to Bank of Queensland credit cards.

Frequently asked questions

BOQ's rewards program can be a great benefit if you regularly use your credit card, pay it off and have an idea of how you want to redeem your points.
But if you only make 1 or 2 purchases a month, you may not be building up enough points to take advantage of. If you use your credit card because you struggle to afford paying for goods and services, using your credit card more to build up more points could end up making things worse. You could be getting yourself into even more debt and potentially paying more in interest.
Follow these steps to transfer your points:
1. Log in to BOQ Internet Banking using your Customer Access Number, User ID (if issued) and password.
2. Choose the "Account Details" menu and select "Q Rewards" then "Check it out here".
3. Go to the "Points Transfer" menu then choose your loyalty program.
4. Enter the number of points that you'd like to transfer and provide your loyalty program details.
5. After reviewing the terms and conditions, click on "Transfer Points" and confirm.

Thank you for your feedback!

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 565 Finder guides across topics including:

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Co-written by

Richard Whitten

Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise

Richard has written 554 Finder guides across topics including:

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More resources on Finder

BOQ Blue Visa Credit Card

More guides on Finder

BOQ Platinum Visa Credit Card
A platinum credit card offering 100,000 bonus points, a 0% balance transfer offer and complimentary insurance for travel and shopping.
BOQ credit card complimentary travel insurance
If you don’t want to pay for travel insurance, here’s what you’ll get with an BOQ credit card offering complimentary insurance.
BOQ Low Rate Visa Credit Card
This low rate credit card offers 0% interest balance transfers for the first 18 months. Check out its other features here.
BOQ Blue Visa Credit Card
Get a competitive annual fee and pay down debt with 0% purchase and balance transfer offers or reward your spending with Q Rewards points per $1 spent.

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54 Responses

JacquelineOctober 19, 2015

How do I find out how to spend my rewards points. I have tried all BOQ websites and they are not helpful.

Finder

ArraOctober 20, 2015Finder

Hi Jacqueline,

Thanks for your inquiry.

Please refer to the link that I sent to your email for more information regarding the Q Rewards® Program.

I hope this has helped.

Cheers,
Arra

RobertOctober 19, 2015

I need a list of available products which I can purchase through the rewards program.

I would also like to know if any of the rewards points can be set off against costs incurred on credit cards , or against future purchases.

Rewards used to publish in a catalogue everything which is available. is this not done any more
Robert

Finder

DebbieOctober 20, 2015Finder

Hi Robert,

Thank you for your inquiry.

Rewards points can be used to make payments on your Bank of Queensland credit card. For the list of products that you can purchase with Q Rewards and for the BoQ Rewards Catalogue, kindly refer to the link I have sent to your email.

If you are also interested to redeem your points for your next flight, you can also find more details about the Q Rewards frequent flyer program guide. You can also revisit the terms and conditions of your card to ensure you got everything covered on your transactions.

I hope this helps.

Cheers,
Debbie

ElsieAugust 27, 2015

I do not have internet banking so how do I get on to the site to check what I can buy with my loyalty points, I have tried different sites but no success. Can I ring up to get the information. Thanks

Finder

SallyAugust 28, 2015Finder

Hi Elsie,

Thanks for your inquiry.

Please note that you have come through finder.com.au and we are not directly affiliated with Bank of Queensland.

If you do not have an access through internet banking, you can contact Q rewards through phone alternatively. Please refer to the link and contact details I have sent to your email.

I hope this has helped.

Cheers,

Sally

LesAugust 17, 2015

Hi. Our local BoQ is due to close its doors .I currently have a Platinum CC with points . If I transfer all of my accounts to another bank are these points transferable ?
My reason is I am not a fan of internet banking and travel to the closest branch in not a option
Thanks

Finder

JonathanAugust 17, 2015Finder

Hi Les, thanks for your inquiry!

Unfortunately BOQ Q Rewards points are only valid within the BOQ rewards program.

I hope this has helped.

Cheers,

Jonathan

RussellJuly 17, 2015

I want to redeem my points from my credit card. I do not have internet Banking as I only hold a credit card no other accounts.

Finder

JonathanJuly 17, 2015Finder

Hi Russell, thanks for your inquiry!

Unfortunately BOQ Q Rewards is not available outside internet banking. Please refer to the link I have sent to your email to go through internet banking to access this rewards program.

Cheers,

Jonathan

BOQ Q Rewards

Q Rewards is Bank of Queensland's rewards program. You can earn points with a BOQ Blue Visa or Platinum Visa credit card and redeem them for cashbacks, gift cards or transfer to Flybuys or Velocity Points.