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AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the BOQ Credit Cards Complimentary Insurance Policy Information Booklet. Neither NAB nor any of its related corporations guarantee this insurance.

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An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.

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Instalment Plan offers are subject to eligibility and only available if your account is and remains in good standing. Your Instalment Plan uses part of your existing credit limit. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full Terms and Conditions of your Instalment Plan, please refer to the Credit Card Terms and Conditions and Other Important Information.

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Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the Q Rewards® Terms and Conditions for full definitions and details.

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Points Transfer is only available on the BOQ Platinum Credit Card.

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Offer commenced 24 November 2025. 100,000 Q Rewards® Bonus Points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 90 days from card approval. Purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible Transaction 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 and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The Q Rewards® Bonus Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Offer commenced 24 November 2025. 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, and the balance transfer fee, for a period of 12 months. The 12-month promotional period commences when the balance transfer is processed. The balance transfer fee is 3% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances (currently 21.99% p.a. Subject to change). Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.

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Subject to your acceptance you will be billed an annual fee of $75 for the first year in accordance with our T&Cs. This will revert to $149 for subsequent years. Annual fees are subject to change. We reserve the right to continue, withdraw or change the offer at any time without notice.

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To be eligible for a $0 annual fee on a BOQ Platinum Visa credit card you need to have an eligible BOQ home loan and be a new credit card customer. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.

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Offer commenced 23 July 2024. To be eligible to earn 60,000 Velocity Points (converted from 180,000 Q Rewards® points), you must be a Velocity Frequent Flyer member and apply for a new BOQ Platinum Visa Credit Card before the offer is withdrawn, be approved and spend a minimum of $4,500 on Eligible Transactions using your new Card within 3 months from approval. Eligible Transactions exclude Cash Advances, Balance Transfers, Special Promotions, interest, fees, refunds, and Chargebacks. 180,000 Q Rewards® points (equivalent to 60,000 Velocity Points) will be credited to your Q Rewards® points balance within 2 months of meeting the spend criteria. You will receive an email from us after you have met the spend criteria with information on how to convert your Q Rewards® points for Velocity Points. Your BOQ Platinum Visa Credit Card must remain open and in good standing (for example – your account is not in default, suspended or closed) for the Q Rewards® points to be awarded. Membership of Velocity is your responsibility. The redemption of Q Rewards® points will be administered solely by us and are subject to the Terms and Conditions of the Q Rewards Program. Velocity membership and points earn and redemption are subject to the Velocity Terms and Conditions, as amended from time to time, available at  Offer may be withdrawn or changed at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Offer ends 14 September 2025. Any credit card applications for this offer must be submitted on or before this date. Post this advertised date; we reserve the right to continue, withdraw or change the offer at any time without notice. To receive this offer: (a) your credit card application must be approved by 30 September 2025. We reserve the right to cancel any applications if we are unable to assess it within a reasonable time frame required to approve your application prior to this date (b) any Balance Transfer request must be processed (balance transferred) by 30 September 2025. We reserve the right not to process any Balance Transfer requests if they are not received within a reasonable time frame required to process the Balance Transfer prior to this date. 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, and the balance transfer fee, for a period of 9 months. The 9 month 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. The balance transfer fee is 1% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances (currently 21.99% p.a. Subject to change). Please note you will be charged interest on retail purchases while you have a balance transfer. Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.

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Offer commenced 24 November 2025. 50,000 Q Rewards® Bonus Points will be awarded when $3,500 or more is spent on Eligible Transactions within the first 90 days from card approval. Purchases must be processed and charged to your account in the first 90 days from the account approval. Eligible Transaction 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 and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The Q Rewards® Bonus Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time without notice. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Offer commenced 24 November 2025. 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, and the balance transfer fee, for a period of 6 months. The 6-month promotional period commences when the balance transfer is processed. The balance transfer fee is 1% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.

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To be eligible for a $0 annual fee on a BOQ Blue Visa credit card you need to have an eligible BOQ home loan and be a new credit card customer. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.

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Offer commenced 24 November 2025. 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, and the balance transfer fee, for a period of 18 months. The 18 month promotional period commences when the balance transfer is processed. The balance transfer fee is 3% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.

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To be eligible for the Cash Instalment Plan offer (“Instalment Plan”), you must apply for a BOQ Low Rate Visa Card by 31 August 2025. Your Instalment Plan offer will be available for 60 days from credit card account approval. The Instalment Plan uses part of your existing credit limit. Your credit limit doesn’t change. As you pay off your Instalment Plan amount/s, the amount/s you pay off will become available for you to use again as part of your credit limit and will be subject to the standard Annual Percentage Rates applicable on your account.

You can apply for an Instalment Plan from $500 up to 60% of your available account credit limit. The Instalment Plan offer is 7.99% p.a. for a period of 36 months. During the cycle in which the Instalment Plan is set up, you will be charged an initial interest charge which will be included in the minimum payment due on your next statement. Subsequent statements will include an instalment for each month of the term. Interest will be charged if you fail to pay any amounts due. We may also cancel the Instalment Plan after providing you notice if it remains overdue. If your Instalment Plan is cancelled, the full outstanding balance of your Cash Instalment Plan will revert to the applicable Annual Percentage Rate (APR) for Cash Advances, currently 21.99% p.a. For the full terms and conditions that apply to instalment plans please refer to Credit Card Terms and Conditions and Other Important Information.

Please note that the applicable APR for Cash Advances applies to Balance Transfers, currently 21.99% p.a., unless we have agreed to a promotional rate. For important information to consider before taking up a balance transfer, please click here. We reserve the right to withdraw or change the offer at any time.