1. Q Rewards® points are earned on Eligible Transactions. Eligible Transactions is defined in the Q Rewards Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions set out within the definition. All Q Rewards points are dubject to the BOQ Q Rewards Terms and Conditions. Q Rewards Points never expire while the card remains open and is not in arrears.

2. Offer commenced 1 December 2023. The promotional rate 0% p.a will apply to Retail Purchases (excludes Cash Advances) for 9 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 20.74% p.a for a BOQ Blue Visa Card. Interest rates are variable and subject to change. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a interest rate applies to balances transferred with this offer for a period of 9 months. The 9 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.49% p.a. Please note, you will be charged interest on retail purchases while you have a balance transfer. If you make a Retail Purchase before your balance transfer is processed, payments made during the promotional period will be applied to the Retail Purchase balance before the Balance Transfer. We reserve the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here