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 13.49% p.a. for low-rate cards to 20.74% p.a. for rewards cards.
Annual fees vary, with options like a $55 fee for low-rate cards and up to $129 for platinum cards with additional perks.
BoQ Blue Visa Credit Card offers a 0% balance transfer rates for the first 18 months.
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 566 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.
Can we use our credit card in hawaii and if so is there any fees
Finder
MayOctober 5, 2016Finder
Hi Viviane,
Thank you for your inquiry.
Yes, you can use your BOQ credit card overseas or in Hawaii. Just to confirm, though, which BOQ credit card you are referring to? The fees that may apply are:
– Overseas Cash Advance Fee = 2% of the cash advance amount or minimum of $4.00
– Overseas ATM Balance check = $2
– Overseas ATM Withdrawal Fee = $5
– Foreign Currency Conversion Fee (VISA) = 3.4% of transaction value
Cheers,
May
JohnAugust 15, 2016
How do we check what is on offer for Qrewards through internet.
Finder
MayAugust 15, 2016Finder
Hi John,
Thanks for your question. Just to confirm though that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually BOQ.
If you want to check what’s on offer with Q Rewards, please visit BOQ’s website.
Cheers,
May
WalterMay 24, 2016
How to register to receive invitation to increase the credit card limit?
Finder
DeeMay 24, 2016Finder
Hi Walter,
Thanks for your question
If you would like to apply for a credit limit increase on your Bank of Queensland credit card, simply go to the “Manage your credit card” page then select the “Other Card Functions” button. From there, you can already submit an application for credit limit increase. Alternatively, you can also visit your nearest Bank of Queensland branch.
I hope this helps.
Cheers,
Anndy
InderjitJuly 18, 2015
I was told that BOQ card I have will offer lounge availability at international airports. How do find out which lounge to go when I am at London, Berlin and Iceland airports?
Finder
JonathanJuly 20, 2015Finder
Hi Inderjit, thanks for your inquiry!
Please refer to the link I have sent to your email for the BOQ Rewards portal which will allow you to access, browse and redeem the different types of rewards available.
Cheers,
Jonathan
inderjitJuly 20, 2015
I had a look at portal. It does not answer my question. I am travelling overseas in 3 days, Do i present my signature card to enter a lounge facility who is participating with Visa card holders. Is that what is required or there are some airline lounges who will offer this to BOQ signature card holders.
Please let me know.
Finder
JonathanJuly 20, 2015Finder
Hi Inderjit, thanks for your response.
BOQ provides One complimentary Priority Pass™ Standard Membership, with unlimited lounge visits for the primary cardholder of the Signature Card. Signature cardholders will automatically be enrolled for the Priority Pass™ Standard Membership. It will take up to 15 working days for your Priority Pass™ card to arrive in the mail. Your membership card and air ticket will be required to enter a lounge facility. When presenting the Priority Pass card on entering the lounge, lounge staff will either electronically scan or take an imprint of the card and issue a ‘Record of Visit’ voucher or receipt to the cardholder or make a log entry. The cardholder must sign the ‘Record of Visit’ voucher or receipt, or sign the electronic reader (as applicable), which will also reflect the exact number of accompanying guests.
Cheers,
Jonathan
heatherMarch 1, 2015
I currently have a visa card with B O Q. My husband has one as well but i am the primary card holder. How much is the annual fee for the two cards? Have had the cards for some years, is this the best annual fee and interest rate you can do as we are looking at going to a lower fee/interest rate card
Finder
JonathanMarch 2, 2015Finder
Hi Heather,
Thanks for your inquiry.
Could you please clarify which BOQ Visa credit card you are using? The BOQ Low rate has a $0 p.a. annual fee for the first year and $55 p.a. afterward, BOQ Blue Visa has a $49 p.a. annual fee and the BOQ Platinum has a $0 p.a. annual fee for the first year with $199 p.a. thereafter. Please refer to our guide on low fee/ interest rate cards. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Jonathan
heatherMarch 2, 2015
Jonathan, we have the blue visa card. is it $49 for the 2 cards or each.
Finder
JonathanMarch 2, 2015Finder
Hi Heather, thanks for your response.
For each Blue Visa Card the annual fee is $49 and $15 for additional cardholders.
Cheers,
Jonathan
heatherMarch 2, 2015
thank you. Is the interest rate the best you can do?
Finder
JonathanMarch 2, 2015Finder
Hi Heather,
Thanks for your response.
Please note that Finder is a comparison service and is not directly affiliated with the BOQ. You may contact BOQ directly to check for current offers. You may also refer to a range of interest free credit cards you can compare. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Jonathan
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Can we use our credit card in hawaii and if so is there any fees
Hi Viviane,
Thank you for your inquiry.
Yes, you can use your BOQ credit card overseas or in Hawaii. Just to confirm, though, which BOQ credit card you are referring to? The fees that may apply are:
– Overseas Cash Advance Fee = 2% of the cash advance amount or minimum of $4.00
– Overseas ATM Balance check = $2
– Overseas ATM Withdrawal Fee = $5
– Foreign Currency Conversion Fee (VISA) = 3.4% of transaction value
Cheers,
May
How do we check what is on offer for Qrewards through internet.
Hi John,
Thanks for your question. Just to confirm though that you’ve come through to finder.com.au we are an Australian financial comparison website and general information service, not actually BOQ.
If you want to check what’s on offer with Q Rewards, please visit BOQ’s website.
Cheers,
May
How to register to receive invitation to increase the credit card limit?
Hi Walter,
Thanks for your question
If you would like to apply for a credit limit increase on your Bank of Queensland credit card, simply go to the “Manage your credit card” page then select the “Other Card Functions” button. From there, you can already submit an application for credit limit increase. Alternatively, you can also visit your nearest Bank of Queensland branch.
I hope this helps.
Cheers,
Anndy
I was told that BOQ card I have will offer lounge availability at international airports. How do find out which lounge to go when I am at London, Berlin and Iceland airports?
Hi Inderjit, thanks for your inquiry!
Please refer to the link I have sent to your email for the BOQ Rewards portal which will allow you to access, browse and redeem the different types of rewards available.
Cheers,
Jonathan
I had a look at portal. It does not answer my question. I am travelling overseas in 3 days, Do i present my signature card to enter a lounge facility who is participating with Visa card holders. Is that what is required or there are some airline lounges who will offer this to BOQ signature card holders.
Please let me know.
Hi Inderjit, thanks for your response.
BOQ provides One complimentary Priority Pass™ Standard Membership, with unlimited lounge visits for the primary cardholder of the Signature Card. Signature cardholders will automatically be enrolled for the Priority Pass™ Standard Membership. It will take up to 15 working days for your Priority Pass™ card to arrive in the mail. Your membership card and air ticket will be required to enter a lounge facility. When presenting the Priority Pass card on entering the lounge, lounge staff will either electronically scan or take an imprint of the card and issue a ‘Record of Visit’ voucher or receipt to the cardholder or make a log entry. The cardholder must sign the ‘Record of Visit’ voucher or receipt, or sign the electronic reader (as applicable), which will also reflect the exact number of accompanying guests.
Cheers,
Jonathan
I currently have a visa card with B O Q. My husband has one as well but i am the primary card holder. How much is the annual fee for the two cards? Have had the cards for some years, is this the best annual fee and interest rate you can do as we are looking at going to a lower fee/interest rate card
Hi Heather,
Thanks for your inquiry.
Could you please clarify which BOQ Visa credit card you are using? The BOQ Low rate has a $0 p.a. annual fee for the first year and $55 p.a. afterward, BOQ Blue Visa has a $49 p.a. annual fee and the BOQ Platinum has a $0 p.a. annual fee for the first year with $199 p.a. thereafter. Please refer to our guide on low fee/ interest rate cards. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Jonathan
Jonathan, we have the blue visa card. is it $49 for the 2 cards or each.
Hi Heather, thanks for your response.
For each Blue Visa Card the annual fee is $49 and $15 for additional cardholders.
Cheers,
Jonathan
thank you. Is the interest rate the best you can do?
Hi Heather,
Thanks for your response.
Please note that Finder is a comparison service and is not directly affiliated with the BOQ. You may contact BOQ directly to check for current offers. You may also refer to a range of interest free credit cards you can compare. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Jonathan