BOQ (Bank of Queensland) offers credit cards with features ranging from low rates to rewards and platinum options that come with complimentary extras. Compare BOQ credit cards here and learn more about banking with BOQ so you can decide if it fits with your goals.
Bank of Queensland: 2022 Credit Card Provider Customer Satisfaction Finalist
What you need to know about BOQ Credit Cards
Bank of Queensland offers credit cards with interest rates ranging from 13.99% p.a. for low-rate cards to 20.99% p.a. for rewards cards.
Annual fees vary, with options like a $65 fee for low-rate cards and up to $149 for platinum cards with additional perks.
BoQ Blue Visa Credit Card offers a 0% balance transfer rates for the first 18 months.
We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these
):
Types of credit cards from BOQ
BOQ credit cards are designed to suit different needs, with the range including low rate, rewards and platinum cards. Check out the key features and benefits for each type of BOQ credit card below.
Low rate credit cards
The BOQ Low Rate Visa card offers low ongoing variable interest rate on purchases. It also comes with an introductory 0% p.a. balance transfer rate for the first 18 months. By paying your account’s outstanding balance in full each month, you could also enjoy up to 55 interest-free days on purchases.
Rewards credit cards
The BOQ Blue Visa and BOQ Platinum Visa are rewards cards that are both linked to the bank's Q Rewards program so that you can earn points per $1 spent on eligible purchases. When you've collected enough points, you can redeem them for a variety of rewards including travel packages, flights, hotels, merchandise and gift cards.
Platinum credit cards
The BOQ Platinum Visa credit card comes linked to the Q Rewards Program and earns 2 reward points for every $1 spent on eligible purchases. This card also features platinum card benefits, including complimentary international travel insurance and extended warranty insurance.
Specialist credit cards
Bank of Queensland also offers a couple of credit cards specifically for medical professionals. That's the BOQ Specialist Signature and Platinum cards.
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 with the BOQ online and mobile banking platforms. 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
You can apply for a BOQ credit card online in 20 minutes. You can also apply in a BOQ brand or over the phone. Before you apply, make sure that you meet the following eligibility criteria:
Eligibility criteria
How old are you? You must be over 18 years of age to apply for a BOQ credit card.
What is your residency status? You must be a permanent resident of Australia or an Australian citizen.
Minimum income levels. You must earn at least $35,000 p.a. to apply for the Platinum Visa card, and at least $25,000 p.a. to apply for the Blue Visa card or the Low Rate Visa card.
Required documents
Keep these documents and details handy to help speed up your BOQ credit card application:
Personal details. This includes your complete name, date of birth, marital status, number of dependents, and driver’s licence number. You'll also need to provide your residential address, phone number and email address.
Employment details. You'll need to provide your employment status, occupation and salary, along with your employer’s name and contact details.
Financial information. As well as your employment details, you'll need to share information about any other assets such as savings and existing debts such as personal loans, other cards or mortgages. You also need to provide a summary or estimate of your regular household expenses.
BOQ offers a selection of credit cards to suit different spending habits and needs. Compare these cards to other options on the Australian market so that you can find one that's right for you.
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.
After BOQ receives your credit card application, it sends you an email confirming your application details. You can then check the status of your application at any time through the BOQ website.
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.
You can request a credit limit for your BOQ credit card at any time via Internet banking. Please note requests for credit limit increases are subject to BOQ's lending criteria and approval.
BOQ offers you the following credit card payment options:
BPAY payments
Internet banking transfers
Automatic payments with Easi-Pay
In-person payments at any BOQ branch or Pay@Post
By cheque
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.
You should report a lost or stolen card immediately by calling 1300 55 72 72 and speaking to a BOQ representative.
Bank of Queensland (BOQ) began operations in 1874, and is now among the leading regional banks in Australia. It has over 250 branches across the country and offers an array of personal and business banking products and services. Its personal banking offerings include everyday accounts, savings accounts, personal loans, home loans, insurance solutions and credit cards.
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:
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.
They do, but it’s only available to Medical, Dental, Veterinary & Accounting specialists. They have a BOQ Specialist Signature Card and a BOQ Specialist Platinum Card, which both earn Qantas points. Hope this helps!
NicolaMay 23, 2024
Can you use one credit card to pay off another credit card
Finder
SarahMay 24, 2024Finder
Hi Nicola, Technically, yes you can do this, but you will pay interest immediately on the card use you to pay the other card. This is because you’ll need to withdraw the money as a “cash advance” and use this to make a payment on your other card, and interest of 20-25% is charged from the day you withdraw the card. So, this is a very expensive exercise.
Hope this helps!
AllanJune 14, 2023
are the 150000 rewards points Qantas Frequent Flyer points?
Finder
AmyJune 15, 2023Finder
Hi Allan,
Bank of Queensland credit cards offer Q Rewards points through the bank’s rewards program. If you want to earn Qantas Points with a credit card, you can compare Qantas Frequent Flyer credit cards on Finder. I hope that helps.
JohnFebruary 12, 2019
How do I redeem my credit card points to purchase hotel accommodation?
Finder
JoshuaFebruary 13, 2019Finder
Hi John,
Thanks for getting in touch with Finder. I hope all is well with you. :)
You can redeem your Bank of Queensland (BOQ) credit card points through their Internet Banking system. All you need to do is go to their official website, log on to your online account, select the credit card from your accounts list, and then go to “Q Rewards® / Other Card Functions” to view your points, redeem and see the latest offers. You can then check there if there are available hotel accommodations you can redeem.
Alternatively, you can contact Q Rewards® customer support.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
KerryJanuary 1, 2019
I am self-employed and need to know if ATO issued Notice of Assessment for years ended 30th June 2016 & 30th June 2017 would meet your iverification requirements for either a personal loan or credit card (Maximum facility or limit $15000 – $17000).
Thank you.
Finder
JeniJanuary 1, 2019Finder
Hi Kerry,
Thank you for getting in touch with Finder.
As per this page, the financial requirements are your employment details and information about any other assets such as savings and existing debts like personal loans, other cards, or mortgages. You also need to provide a summary or estimate of your regular household expenses. I suggest that you contact the Bank of Queensland directly regarding your credit/personal loan application to know whether your documents on hand are valid and to know your chances of being approved.
If you’re currently looking around for personal loan for self-employed, you can use our comparison table to help you find the lender that suits you. Press the “Go to site” button to apply. Please make sure that you check the eligibility criteria and read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the loan product is right for you.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Does BOQ have a Qantas rewards card ?
Hi Jason,
They do, but it’s only available to Medical, Dental, Veterinary & Accounting specialists. They have a BOQ Specialist Signature Card and a BOQ Specialist Platinum Card, which both earn Qantas points. Hope this helps!
Can you use one credit card to pay off another credit card
Hi Nicola, Technically, yes you can do this, but you will pay interest immediately on the card use you to pay the other card. This is because you’ll need to withdraw the money as a “cash advance” and use this to make a payment on your other card, and interest of 20-25% is charged from the day you withdraw the card. So, this is a very expensive exercise.
Hope this helps!
are the 150000 rewards points Qantas Frequent Flyer points?
Hi Allan,
Bank of Queensland credit cards offer Q Rewards points through the bank’s rewards program. If you want to earn Qantas Points with a credit card, you can compare Qantas Frequent Flyer credit cards on Finder. I hope that helps.
How do I redeem my credit card points to purchase hotel accommodation?
Hi John,
Thanks for getting in touch with Finder. I hope all is well with you. :)
You can redeem your Bank of Queensland (BOQ) credit card points through their Internet Banking system. All you need to do is go to their official website, log on to your online account, select the credit card from your accounts list, and then go to “Q Rewards® / Other Card Functions” to view your points, redeem and see the latest offers. You can then check there if there are available hotel accommodations you can redeem.
Alternatively, you can contact Q Rewards® customer support.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I am self-employed and need to know if ATO issued Notice of Assessment for years ended 30th June 2016 & 30th June 2017 would meet your iverification requirements for either a personal loan or credit card (Maximum facility or limit $15000 – $17000).
Thank you.
Hi Kerry,
Thank you for getting in touch with Finder.
As per this page, the financial requirements are your employment details and information about any other assets such as savings and existing debts like personal loans, other cards, or mortgages. You also need to provide a summary or estimate of your regular household expenses. I suggest that you contact the Bank of Queensland directly regarding your credit/personal loan application to know whether your documents on hand are valid and to know your chances of being approved.
If you’re currently looking around for personal loan for self-employed, you can use our comparison table to help you find the lender that suits you. Press the “Go to site” button to apply. Please make sure that you check the eligibility criteria and read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the loan product is right for you.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni