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 20 months¹ | No balance transfer fee

Feel on top of your finances with no interest for 20 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 now

If you have saved your application:

Load saved application

Credit Card FAQs

  • Who can apply for a credit card online?

    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory
    • The Account must be in personal names (no Company or Trading Accounts)
    • The applicant must be over 18 years of age
    • If an additional cardholder is requested, they must be over 16 years of age
  • How long will the online credit card application take to complete?

    The online credit card application will take approximately 20 minutes to complete, assuming you have all the necessary information on hand.

  • What documents do I require?

    The required documentation is dependent upon whether or not you are an existing BOQ customer.

    To apply for a BOQ Credit Card, you will require the following documents:

    • Identification documents, including address details
    • Your income and expense details
    • Your employment details
    • Click here for further information on what documentation will be required.
  • How do I add an additional cardholder?

    To add an additional cardholder on an existing BOQ Credit Card:

    • Select your Credit Card account in Internet Banking, select ‘Q Rewards / Other Card Functions’ and then select the ‘Add and Additional Cardholder’ function; or
    • Visit your nearest BOQ Branch
  • More Credit Card FAQs

    For more FAQs on applying for credit cards online, click here.

    More FAQs on credit card management, Q Rewards, payment options, credit card transaction disputes can be found here.

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 purchase and balance transfer offer7

  • 0% p.a. on purchases for the first 12 months, reverting to ongoing purchase rate7
  • 0% p.a. on balance transfers for the first 12 months reverting to the cash advance rate thereafter7
  • No fees on balance transfers

Earn Q Rewards Points and enjoy perks

Platinum Visa Credit Card

Everything you need, with all of the Platinum Credit Card benefits. Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply)6.

  • Earn 150,000 bonus Q Rewards® points when you spend $3,000 on Eligible Transactions in the first 90 days from approval1
  • 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