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

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.

Turn your credit card points into cash

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

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.

Treat yourself – or someone else

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

Switch your Q Rewards for Flybuys

Get even more choice: you can convert your points to Flybuys.

Get to know our Blue Visa Credit Card

Up to 44 days interest free

Interest Free Days on new purchases2

Earn Q Rewards

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

Find out more

Purchase Protection Insurance+

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

Home loan with BOQ?

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

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 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

  • 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 BOQ 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 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