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.
Hi There, I’m wondering if this BoQ card allows an applicant to transfer an overdraft from a bank account. If not, is this an option with any of the cards? Cheers, Christine
Finder
JacobMay 28, 2013Finder
Hi Christine,
Did you not get my reply sent yesterday? Balance transfers to Bank of Queensland Credit Cards will not be accepted from an overdraft to a credit card account.
Please note that Citibank and Virgin do allow you to transfer from a personal loan or line of credit to a credit card, you may want to try one of those cards.
I hope this helps.
Regards,
Jacob
ChristineJuly 5, 2013
Hi Jacob, I applied for a Virgin Money card based on the information you provided. Now Virgin Money is telling me I can’t transfer my overdraft to the new credit card. Where did you get your information from?
Finder
JacobJuly 5, 2013Finder
Hi Christine,
An overdraft is different from a personal loan or line of credit, which is where the confusion has arisen. I apologize for not making this distinction clear. The Virgin website says you can transfer a personal loan or a line of credit to a credit card. The information I provided in the previous question was only general advice and I was trying to give you a starting point for further research and comparison.
There’s no way of knowing whether an overdraft balance would have been accepted unless you supplied your account number and BSB to the Virgin team prior to applying. They enter the account details into their system to check whether the account can be included in a balance transfer. Only Virgin members of staff have access to this information. You still may be able to transfer the overdraft to a personal loan and then to this Virgin credit card, if a balance was not transferred at the time of application, Virgin balance transfer offers are available to cardholders for a month after they’ve applied for a new card.
Cheers,
Jacob
ChristineJuly 5, 2013
There seems to be a fairly thin line between the definition of ‘overdraft’ and ‘line of credit’. In any case, I was specific about transferring an overdraft. Are there any other financial institutions that I could run my account details past?
Finder
JacobJuly 5, 2013Finder
Hi Christine. With the exception of Citibank and Virgin, all other providers will only you to transfer from a credit card, store card or charge card. Jacob.
ChristineMay 29, 2013
Hi Jacob, I didn’t see a reply come through yesterday. Thanks for the information. Cheers, Christine
LynMay 24, 2013
What is the balance transfer limit?
Finder
JacobMay 24, 2013Finder
Hi Lyn,
Thanks for your question.
Please check our balance transfer guide for information on maximum balance transfer limits.
I hope this helps.
Regards,
Jacob
LynetteMarch 26, 2013
Hi
Can you please tell me what the approval time, is for a credit card?
Thank you, Regards Lyn
Finder
JacobMarch 26, 2013Finder
Hi Lyn,
It generally takes about two weeks from application to receiving your card. Picking it up in the branch or waiting for it to arrive in the mail may affect the time it takes for you to get your card.
Thanks,
Jacob
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Hi There, I’m wondering if this BoQ card allows an applicant to transfer an overdraft from a bank account. If not, is this an option with any of the cards? Cheers, Christine
Hi Christine,
Did you not get my reply sent yesterday? Balance transfers to Bank of Queensland Credit Cards will not be accepted from an overdraft to a credit card account.
Please note that Citibank and Virgin do allow you to transfer from a personal loan or line of credit to a credit card, you may want to try one of those cards.
I hope this helps.
Regards,
Jacob
Hi Jacob, I applied for a Virgin Money card based on the information you provided. Now Virgin Money is telling me I can’t transfer my overdraft to the new credit card. Where did you get your information from?
Hi Christine,
An overdraft is different from a personal loan or line of credit, which is where the confusion has arisen. I apologize for not making this distinction clear. The Virgin website says you can transfer a personal loan or a line of credit to a credit card. The information I provided in the previous question was only general advice and I was trying to give you a starting point for further research and comparison.
There’s no way of knowing whether an overdraft balance would have been accepted unless you supplied your account number and BSB to the Virgin team prior to applying. They enter the account details into their system to check whether the account can be included in a balance transfer. Only Virgin members of staff have access to this information. You still may be able to transfer the overdraft to a personal loan and then to this Virgin credit card, if a balance was not transferred at the time of application, Virgin balance transfer offers are available to cardholders for a month after they’ve applied for a new card.
Cheers,
Jacob
There seems to be a fairly thin line between the definition of ‘overdraft’ and ‘line of credit’. In any case, I was specific about transferring an overdraft. Are there any other financial institutions that I could run my account details past?
Hi Christine. With the exception of Citibank and Virgin, all other providers will only you to transfer from a credit card, store card or charge card. Jacob.
Hi Jacob, I didn’t see a reply come through yesterday. Thanks for the information. Cheers, Christine
What is the balance transfer limit?
Hi Lyn,
Thanks for your question.
Please check our balance transfer guide for information on maximum balance transfer limits.
I hope this helps.
Regards,
Jacob
Hi
Can you please tell me what the approval time, is for a credit card?
Thank you, Regards Lyn
Hi Lyn,
It generally takes about two weeks from application to receiving your card. Picking it up in the branch or waiting for it to arrive in the mail may affect the time it takes for you to get your card.
Thanks,
Jacob