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

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Amy has written 564 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 553 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

KateDecember 2, 2014

I was promised if I paid for accommodation I was claiming points for my credit card would be credited within a fortnight. I booked this on the 22nd October, have brought this to your attention, promised I would have a credit of $730 put through on my card and this still hasn’t happened. What is the problem?

Finder

ElizabethDecember 3, 2014Finder

Hi Kate,

Thanks for your question.

You’ve come through to creditcardfinder.com.au so we can’t really assist you with your query. You might want to get in contact with Bankwest’s customer service team who can help you out with your account.

Thanks,

Elizabeth

DeborahSeptember 12, 2014

I went onto my internet banking accounts page , went into my credit card and there is nothing there that says q rewards or other card functions. Why is that

Finder

ShirleySeptember 15, 2014Finder

Hi Deborah,

Thanks for your question.

BoQ use a different website for their cardholders to redeem rewards. I’ve emailed you the link for this.

Cheers,
Shirley

DavidApril 28, 2014

I have 224106 points on my Q rewards card
what options do I have with these.

Finder

ShirleyApril 30, 2014Finder

Hi David,

Thanks for your question.

You have a lot of options including: travel, fitness, shopping vouchers, electronics and home wares. You get a Mystery Package at a 4 star hotel for 1 night or a Samsung Galaxy Note 10.1.

Cheers,
Shirley

MarionMarch 16, 2014

How do I check how many points I have?

Finder

JacobMarch 17, 2014Finder

Hi, Marion.

There should be a summary of your points activity on your monthly credit card statement. Alternatively, you can check your points balance and redeem for rewards through your internet banking facility. According to the Bank of Queensland website, you’ll need to “Log on to Internet Banking, select your credit card from your accounts list, then “Q Rewards® / Other Card Functions” and then click on Q Rewards® to view your points balance, browse the latest online catalogue and to redeem items.”

I hope this helps.

DianeDecember 19, 2013

How do I redeem them?

Finder

JacobDecember 19, 2013Finder

Hi Diane.

Thanks for your question.

To access Q Rewards, you’ll need to log into your internet banking facility through the Bank of Queensland website. If you haven’t already registered for internet banking, you’ll need to do so before you can log in. This can be done by calling the Bank of Queensland customer service team.

I hope this helps.

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.