Blue Visa Credit Card

Our Blue Visa Credit Card rewards you when you buy - earning you 1 Q Rewards® credit card point for every dollar of eligible spend4, which you can put towards just about anything.

Credit card rates and fees

$ 60 P.A.
Annual Fee
20.74 %P.A.
Interest rate on purchases
44 Days
Interest free period up to 44 days²
$1 = 1 Point 
Earn Q Rewards credit card points on every eligible purchase⁴

Latest Credit Card Offer

Apply now

Blue Visa Credit Card

0% p.a. on purchases and balance transfers for 9 months¹ | No balance transfer fee

Feel on top of your finances with no interest for 9 months on purchases and balance transfers¹ and no balance transfer fee on a Blue Visa Credit Card. 

Purchase rate reverts to ongoing purchase rate thereafter, balance transfer reverts to cash advance rate thereafter. No interest free days apply on retail purchases at the end of the promotional period while you have a balance transfer.

Ways to use your Q Rewards credit card points

We love happy customers and rewarding you makes us happy too.

earn points

Turn your credit card points into cash

Something for your wallet: your points can become cashback rewards to your account.

Reward benefits

Wipe a Credit Card purchase

Pay it off with points: redeem for a statement credit back against eligible purchases when you use Select and Credit.

Use vouchers

Treat yourself – or someone else

Redeem for eVouchers from great retailers including Coles, BP, Bunnings and more.

Get to know our Blue Visa Credit Card

Interest free

Up to 44 days interest free

Interest Free Days on new purchases2

earn points

Earn Q Rewards

With BOQ’s Credit Card rewards program, Q Rewards, every dollar you spend on Eligible Transactions¹ becomes points.

Earn rewards


Purchase Protection Insurance+

Cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply).

Home loan options

Home loan with BOQ?

Pay no annual fee on your credit card while your home loan is with BOQ5.  Visit your nearest branch or call 1300 55 72 72 to apply. 


Security and fraud protection

The safety of added protection through the Visa network


Instalment Plans

With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term3.

Learn about instalments

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 purchases2
$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 now

If you have saved your application:

Load saved application

Credit Card FAQs

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 offer *

  • 0% p.a. on balance transfers for the first 18 months reverting to the cash advance rate thereafter*
  • No fees on balance transfers
  • Up to 55 days interest free on purchases (unless you have a balance transfer)**

Earn Q Rewards Points and enjoy perks

Platinum Visa Credit Card

Everything you need, with all of the Platinum Credit Card benefits. Including insurance and extended warranties+ (terms, conditions, limits and exclusions apply).

  • Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions in the first 3 months from approval++
  • 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. 1% balance transfer fee applies. No interest free days apply to retail purchases while you have a balance transfer^^
  • Earn 2 Q Rewards points for every dollar spent on Eligible Transactions 4