Blue Visa Credit Card


Money Magazine’s Best Rewards Credit Card for 2020, our Blue Visa Credit Card rewards you when you buy – earning you 1 Q Rewards® credit card point for every dollar of eligible spend², which you can put towards just about anything.

At a glance

$ 60 P.A.
Annual Fee
20.74 %P.A.
Interest rate on purchases
44 Days
Interest free period up to 44 days³
$1 = 1 Point 
Earn Q Rewards ® credit card points on every eligible purchase²


Low fees, high rewards.

– Just the way you like it.

For its true blue value and bountiful rewards, our Blue Rewards Visa Card is quite literally, the best of the best!
Winning Best Rewards Credit Card 2020 in Money magazine's 'Best of the Best' awards, we're proud to put this one forward as an all-time, all-rounder with benefits and earnings that go far beyond its modest rates and fees.

If you're looking for Australia's best rewards credit card, we're pleased to say Blue is officially BEST!

Latest Credit Card Offer


0% p.a. balance transfer for 18 months¹ | $0 balance transfer fee

Feel on top of your finances with no interest for 18 months on a balance transfer¹ and no balance transfer fee on a Blue Visa Credit Card. 

Reverts to cash advance rate. No interest free days apply while you have a balance transfer.

Get to know our Blue Visa Credit Card

Up to 44 days interest free

Interest Free Days on new purchases³

Complimentary Purchase Cover Insurance

Feel safe, with cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply) ⁴

Guaranteed Pricing Scheme

No regrets, with a refund of up to $500 if you buy an eligible item that goes on sale afterward⁴

Home loan with BOQ?

Pay no annual fee on your credit card while your home loan is with BOQ⁵

Security and fraud protection

The safety of added protection through the Visa network

Instalment Plans³

With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term. Find out more.

Interest rates and fees

Blue Visa Credit Card Interest Rates and Fees

Annual fee Annual percentage rate (% p.a.) - Purchases  Annual percentage rate (% p.a.) - Cash Interest free days on purchases8
$60 20.74
Up to 44 days (unless you have a balance transfer)

A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.

Ready to apply?

To apply for the Blue Visa Credit Card, you must:
  • Be at least 18 years of age
  • Have a good credit rating
  • Earn a taxable income of $25,000 per year or more
  • Be a permanent Australian resident or citizen
What you'll need for your application
  • Your income and expense details
  • Your driver's license number
  • Your employment details
  • Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
Applying online will take around 10 minutes

Apply online now

If you have saved your application:

Load saved application

You might also be interested in:

Save with lower interest rates

Low Rate Visa Credit Card

Why pay high interest rates? With our Low Rate Credit Card, you can save straight away with our balance transfer offer7

  • Low interest rate on purchases
  • 0% p.a. on balance transfers for the first 6 months, reverting to the cash advance rate thereafter7 . No interest free days apply to retail purchases while you have a abalance transfer
  • Low annual card fee of $55

Earn Q Rewards® points and enjoy perks

Platinum Visa Credit Card

Enjoy Q Rewards® points for every dollar you spend on Eligible Transactions4 , plus get access to complimentary international travel insurance and extended warranties (terms, conditions, limits and exclusions apply)6 .

  • 80,000 bonus Q Rewards® points if you spend $3,000 in the first 2 months from card approval on Eligible Transactions1
  • 0% p.a. on balance transfers for 14 months, reverting to the cash advance rate thereafter. No fees on balance transfers. No interest free days apply to retail purchases while you have a balance transfer3
  • Earn 2 Q Rewards® points for every dollar spent on Eligible Transactions 4