Low Rate Visa Card
A low rate card that offers a great low rate on purchases and up to 55 interest free days.
Features and benefits
- 1.9% p.a. for 6 months on balances transferred1
Save with a low introductory rate of 1.9% p.a. for 6 months on balances transferred, after the 6 month introductory period the rate will revert to the cash advance rate1
- low interest rate
- low annual card fee
- up to 55 days interest-free on purchases
- purchases online, by phone or in person
- pay bills with BPAY
- Internet Banking and EasyPhone Banking access
- Visa – accepted worldwide
- you can request automatic credit card repayments with Easi-Pay
Your choice of card designs
The Low Rate Visa Card is available in four designs: water,ribbon, swirl and fish. Your card can be as individual as you are – as well as enjoying a great low rate.
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 Visa Card and start saving right away.
Interest rates and fees
Apply for a Low Rate Visa Card conveniently by applying online via BOQApply.
Alternatively, apply by visiting a branch or calling us on 1300 55 72 72. Find out what information we need from you to open an account. 
Important information
Please view the terms and conditions listed on the Terms and Conditions page.
1 The promotional rate of 1.9% p.a. applies for six months on balances transferred with this offer. Transferred balances will be repaid first during this period. Outstanding transferred balances at the end of the promotional period will revert to the standard cash advance rate. To be eligible for the offer, you need to apply for the BOQ Low Rate Visa card and balance transfer by 15 April 2012. Approved new customers only. Offer not available in conjunction with the Home Loan Privileges Package. Six month promotional period commences once balance transfer is processed. Any transactions made other than balance transfers in connection with this offer are at the standard variable credit card rates, currently 13.49% p.a. for retail purchases and 21.49% p.a. for cash advances. Interest rates are variable, subject to change and Citigroup’s credit criteria. Quoted interest rates are current as at 15 January 2012.
Fees and charges apply. Full terms and conditions are available at any Bank of Queensland branch. Citigroup credit criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch. Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Bank of Queensland Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer to BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.