Low Rate Visa Credit Card
A low rate card that offers a great low rate on purchases and up to 55 interest free days.
Features and benefits
- 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 downloading and printing the application form (PDF 95kb), 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.
#Subject to approval of your application for a Bank of Queensland Credit Card (Credit Cards). Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 (Citigroup) is the credit provider and issuer of Credit Cards. Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Normal credit assessment 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.
Bank of Queensland Ltd ABN 32 009 656 740 (Bank) distributes Credit Cards under an agreement with Citigroup. The Bank 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 refer to the Bank, they will refer to the Bank undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.