Compare credit cards

/fragment/personal/credit-cards/applications-unavailable-alert

Compare our credit card offers

Not sure if rewards points or a lower interest rate is more your style? Our easy credit card comparison helps you weigh the options and choose the card that fits your life.{sub-heading}

Tag

Rewards Cards, Balance Transfer Cards

Low Rate Card, Balance Transfer Cards

Offer{thead}

Special offers

We can’t process balance transfers from certain issuers – see our indicative list.²¹

Offer{mark}

Earn 100,000 Q Rewards® Bonus Points & 0% p.a. on Balance Transfers for 12 months.

When you spend $4,500 on eligible purchases within 90 days from approval⁶
Annual fee of $75 for the first year, and $149 after that⁸
With a 3% Balance Transfer Fee.⁷ Reverts to Cash Advance rate thereafter.

Offer{mark}

Earn 50,000 Q Rewards® Bonus Points & 0% p.a. on Balance Transfers for 6 months.

When you spend $3,500 on eligible purchases within 90 days from approval.¹²
With a 1% Balance Transfer Fee.¹³ Reverts to Cash Advance rate thereafter.

Offer{mark}

0% p.a. on Balance Transfers for 24 months.

With a 3% Balance Transfer Fee.¹⁵ Reverts to Cash Advance rate thereafter.

Rates, fees & limits {thead}

Annual fee

$75 for the first year, and $149 after that⁸

$89

$65

Interest-free period on retail purchases²

Up to 44 days

Up to 55 days

Retail purchase rate

20.99% p.a.

From 1 October 2026 the retail purchase rate will increase to 21.99% p.a.

20.99% p.a.

From 1 October 2026 the retail purchase rate will increase to 21.99% p.a.

13.99% p.a.

Cash advance rate

21.99% p.a.

Minimum Credit Limit

$6,000

$2,000

Credit Card Rewards {thead}

Q Rewards® earn rate

Earn 2 Q Rewards® Points per $1 spent on eligible purchases, uncapped⁴

From 1 October 2026, the points earn rate is changing to 3 Points per $1 at major supermarkets, 2 Points per $1 at participating restaurants and 1 Point per $1 on other eligible purchases.²²
Learn more about rewards points{link-button}

Earn 1 Q Rewards® Points per $1 spent on eligible purchases, uncapped⁴
Learn more about rewards points{link-button}

Q Rewards® redemption options

Cashback
Giftcards
Pay with Points²⁰
Transfer to Flybuys or Velocity Points

Cashback
Giftcards
Pay with Points²⁰
Transfer to Flybuys or Velocity Points

Insurances¹{thead}

Extended Warranty Insurance

Purchase Protection Insurance

Security{thead}

Emergency Card Replacement within 24 hours (Australia)

Additional features {thead}

Worldwide Visa Acceptance

Apple Pay

Google Pay

Samsung Pay

Visa Contactless Payments

Access to the myBOQ app and myBOQ Internet Banking

/fragment/credit-cards/tools-and-calculators/credit-card-selector-tool

Style

layout-cols-33-66, small-button

Frequently asked questions{yellow-border}

Learn more about BOQ credit cards so you can choose the right card for your life.{sub-heading}

How do you compare credit cards?

When comparing credit cards, make sure to compare the fees and interest rates, rewards program, credit score requirements, credit limit, and additional benefits. By comparing credit cards based on these factors, you can find the card that best fits your financial needs and goals. Use our credit card comparison table above to easily compare the BOQ Credit Cards.

What’s the difference between a credit card and a debit card?

The main difference is that a debit card is linked to your bank account and allows you to spend the money you have in your account. A credit card on the other hand, is a line of credit that allows you to borrow money, up to a certain limit, from a chosen lender. When you make a purchase with a credit card, you are borrowing money from the credit provider. You will need to pay back the amount you have borrowed, plus any interest fees and charges, usually on a monthly basis.

Which credit cards are best for rewards?

There are many factors to consider when choosing a credit card with a rewards program, including the type of rewards you want to earn, the credit card's fees and interest rates, and the eligibility requirements. Some credit cards offer cashback rewards, while others offer points that can be redeemed for travel or other rewards. The BOQ Platinum Visa Card is a great option as you earn Q Rewards® Points which can be used to redeem Giftcards, Cashback, or convert to Velocity or Flybuys points. However, it's important to compare the rewards programs of different credit cards to find the one that best fits your spending habits and financial goals.

/fragment/credit-cards/useful-forms-and-documents

Style

layout-cols-33-66, small-button, bg-light-grey