Low Rate Visa Credit Card


A low rate credit card that offers a great rate on purchases and up to 55 interest free days.


Apply online now 


Application Criteria:

  • You are at least 18 years of age
  • You have a good credit rating
  • You earn a taxable income of $25,000 per year or more
  • You are a permanent Australian resident
  • Important Information: If you apply for a balance transfer, your total balance transfers may not exceed 80% of your credit limit


Features and benefits

Take out a BOQ Low Rate Visa Card before 3 April 2017 and you’ll receive:

0% p.a. on balances transferred for a period up to 12 months. * Balances transferred up to 80% of your credit limit and will revert to the cash advance rate thereafter.

Low interest rate and a Low annual card fee

  • Up to 55 days interest-free on purchases
  • Purchases online, by phone or in person with Visa - accepted worldwide
  • Pay bills with BPAY
  • Internet Banking and EasyPhone Banking access
  • You can request automatic credit card repayments with Easi-Pay


Transfer and save immediately

Don’t be content paying high interest rates. If you currently have a credit card or store card elsewhere, you can easily transfer the outstanding balance to a Low Rate Credit Card and start saving right away.

Interest rates and fees

Interest rates are located on the Today's Rates page. 

Click on the link to find Credit Card Fees and Charges Guide (PDF 60KB).

How to apply

Use the Apply Online Now button to begin your Low Rate Visa Credit Card application online.

Apply online now 

If you have saved your application and wish to complete it, click the Load Saved Application button.

Load saved application 

For customers who have completed an application and wish to submit documents, please use Document Upload.

Document upload 

If you have completed an application and wish to know the application status, see Application Status.

Application status 


Important information

Please view the terms and conditions listed on the Terms and Conditions page.