We’re making changes to our BOQ Credit Cards
Upcoming changes
Platinum Visa Credit Card: Changes to the Annual Fee, Interest Free Period, and Annual Percentage Rate on Retail Purchases and Cash Advances automatically apply to your card from 31 October 2024. Learn more here.
Blue Visa Credit Card: Changes to the Annual Fee and Annual Percentage Rate on Retail Purchases and Cash Advances automatically apply to your card from 31 October 2024. Learn more here.
Low Rate Visa Credit Card: Changes to the Annual Fee and Annual Percentage Rate on Retail Purchases and Cash Advances automatically apply to your card from 31 October 2024. Learn more here.
| Platinum Visa Credit Card | Platinum Visa Credit Card | Blue Visa Credit Card | Low Rate Visa Credit Card | |
|---|---|---|---|---|
| Credit Card Summary | Velocity Points Offer | Q Rewards® Offer | Purchase & Balance Transfer Offer | Balance Transfer Offer |
| What does this card offer? | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions4, plus all the added perks of a platinum credit card. | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions4, plus all the added perks of a platinum credit card. | Earn 1 Q Rewards point for every 1 dollar spent on Eligible Transactions.4 | Save more with a low interest rate on your purchases. |
| Special Offers |
Earn 60,000 Velocity Points (converted from 180,000 Q Rewards® points) when you spend $4,500 on Eligible Transactions within 3 months from card approval*** 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. You will be charged interest on retail purchases while you have a balance transfer ^^ 1% fee on balance transfers |
• Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions within 3 months from card approval++ 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. You will be charged interest on retail purchases while you have a balance transfer ^^ 1% fee on balance transfers |
0% p.a. on purchases and balance transfers for 9 months. Purchase rate reverts to standard purchase rate thereafter, balance transfer reverts to cash advance rate thereafter. • No fees on balance transfers |
0% p.a. on balance transfers for the first 18 months reverting to the cash advance rate thereafter. * • No fees on balance transfers |
| Minimum Income Requirement | $35,000 | $35,000 | $25,000 | $25,000 |
| Age | 18 | 18 | 18 | 18 |
| Interest Free Period8 | Up to 55 days | Up to 55 days | Up to 44 days | Up to 55 days |
| Minimum Credit Limit | $6,000 | $6,000 | $2,000 | $2,000 |
| Rates | ||||
| Retail Purchase Rate | 20.74% p.a. | 20.74% p.a. | 20.74% p.a. | 13.49% p.a. |
| Cash Advance Rate | 21.74% p.a. | 21.74% p.a. | 21.74% p.a. | 21.49% p.a. |
| Fees | ||||
| Annual Fee | $129 | $65 for the first year, and $129 after that6 | $60 | $55 |
| Additional Card Fee | Up to 4 free | Up to 4 free | $15 | $15 |
| Q Rewards | ||||
| Q Rewards Points4 |
Earn up to 2 Q Rewards Points for every 1 dollar spent on Eligible Transactions4 See rewards points |
Earn up to 2 Q Rewards Points for every 1 dollar spent on Eligible Transactions4 See rewards points |
Earn 1 Q Rewards point per for every dollar spent on Eligible Transactions4 See rewards points |
|
| Points Capping | Uncapped | Uncapped | Uncapped | N/A |
| eVouchers | ||||
| Cash Back Rewards | ||||
| Select and Credit | ||||
| Points Transfer | ||||
| Platinum Personalised Rewards program | ||||
| Personal Concierge | ||||
| Take Flight++ | ||||
| Insurance+ | ||||
| Purchase Protection Insurance | ||||
| Extended Warranty Insurance | ||||
| International Travel Insurance | ||||
| Domestic Travel Insurance | ||||
| Rental Vehicle Excess Insurance in Australia | ||||
| Security | ||||
| Pen or PIN | ||||
| Fraudshield | ||||
| Emergency Card Replacement within 24 hours (Australia) | ||||
| Additional Features | ||||
| Worldwide Visa Acceptance | ||||
| Apple Pay | ||||
| Samsung Pay | ||||
| Visa Contactless Payments | ||||
| BOQ Internet Banking Access | ||||
