Low Rate Visa Credit Card

Why pay high interest rates? Save money on lower interest rates with a BOQ Low Rate Credit Card. Plus, if you currently have a store card or credit card with another provider, you can take advantage of our great balance transfer rates and start saving right away.1 

Special offer

Take out a BOQ Low Rate Credit Card before 31 March 2018 and you’ll receive: 

  •  0% p.a. on balance transfers for 12 months (reverting to the cash advance rate thereafter, currently 21.49% p.a.)1

1300 55 72 72 

Apply online now 


Features and Benefits

  • Up to 55 days interest free on your purchases2
  • Annual card fee of $55 p.a.
  • A low interest rate of 13.49% p.a. on purchases
  • Worldwide Visa card acceptance - online, by phone, in person or BPAY
  • Internet Banking and EasyPhone Banking access
  • Automatic credit card repayments with Easi-Pay

Interest Rates and Fees

Annual fee 

Annual percentage rate
(% p.a.) - Purchases

Annual percentage rate
(% p.a.) - Cash

Interest-free days on purchases 1 




Up to 55 days

All fees & charges relating to the BOQ Low Rate Credit Card are available in our Credit Card Fees and Charges Guide (PDF 60KB).

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


How to apply

Apply for your Low Rate Credit Card online.

Apply online now 

Retrieve a saved application by clicking on the Load Saved Application button.

Load saved application 


Important information

Please view the Terms and Conditions page and the links below for more information: