At a glance

1 Q Rewards® point for every dollar spent on Eligible Transactions**
Q Rewards® points for flights, gift cards and merchandise
If you spend $500 per month on retail purchases for the first 3 months++


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!

Benefit from rewards with a Blue Visa Credit Card

Enjoy Q Rewards® credit card points for every dollar you spend on Eligible Transactions**, and put them towards a range of options like electronics, gift cards or even your next holiday!

0% on balance transfers

For 6 months, reverting to the cash advance rate thereafter, refer below.*

Earn rewards

Earn 1 Q Rewards® credit card point for every dollar spent on Eligible Transactions**

Low annual fee

Just $60 p.a.

Refund up to $500

If you purchase an eligible item that goes on sale after you buy it20

Purchase Cover Insurance

For personal items if they are lost, stolen or damaged within 90 days of purchase (terms, conditions, limits and exclusions apply)20

Up to 44 days

Interest free on your purchases***

Interest Free Days are not available while you have a Balance Transfer. 

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 purchases***
$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.

Apply for a Blue Visa Credit Card

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

You might also be interested in: 

Everyday banking with no monthly fees

Day2Day Plus Account®

The Day2Day Plus Account is the everyday bank account that frees you to live the way you want, each and every day.

  • Easily manage your daily transactions and bills through internet banking
  • Unlimited deposits, withdrawals, BOQ balance enquiries, funds transfer and BPAY transactions
  • Contactless payments and secure online purchases through Visa Debit

Earn Q Rewards® points and enjoy travel perks

Platinum Visa Credit Card

Enjoy Q Rewards® points for every dollar you spend on Eligible Transactions5 , plus get access to complimentary international travel insurance and extended warranties (terms, conditions, limits and exclusions apply)20 .

  • Get your annual fee waived every year if you spend a minimum of $12,000 per year on retail purchases.21
  • Plus get 1,000 bonus points every month when you spend $1,000 per month on Eligible Transactions for the first 12 months 14
  • Earn 2 Q Rewards® points for every dollar spent on Eligible Transactions 5