- We’re updating our Terms and Conditions effective 24 November 2025 and making important changes to your BOQ Credit Card. Learn more about the changes at boq.com.au/credit-card-changes.
BOQ Credit Card applications (new or saved) must be submitted before 26 October otherwise any incomplete applications will be cancelled. New applications will be temporarily unavailable between 26 October 2025 and December 2025. Please review the updated Terms and Conditions before applying.
- The credit card functionality in the BOQ mobile app and Internet Banking will no longer be available from 7:30PM AEDT Friday 21 November 2025 while we transition to our new system. Learn more about the changes
Platinum Visa Credit Card | Blue Visa Credit Card | Low Rate Visa Credit Card | |
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Credit Card Summary | Q Rewards® Points Offer | Q Rewards® Points Offer | Our lowest annual fee and lowest rate credit card |
Special Offers |
Earn 100,000 bonus Q Rewards® Points when you spend $4,500 on Eligible Transactions within 3 months from card approval6 A promotional rate does not apply to Balance Transfers for this offer. Your total transferred balance will be charged interest at the applicable Annual Percentage Rate for Cash Advances. |
Earn 50,000 bonus Q Rewards® Points when you spend $3,500 on Eligible Transactions within 3 months from card approval12 A promotional rate does not apply to Balance Transfers for this offer. Your total transferred balance will be charged interest at the applicable Annual Percentage Rate for Cash Advances. |
A promotional rate does not apply to Balance Transfers for this offer. Your total transferred balance will be charged interest at the applicable Annual Percentage Rate for Cash Advances. |
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 1 Q Rewards® points for every 1 dollar spent on Eligible Transactions.4 | Save more with a low interest rate on your purchases. |
Minimum Income Requirement | $35,000 | $25,000 | $25,000 |
Age | 18 | 18 | 18 |
Interest Free Period on Retail Purchases2 | Up to 44 days | Up to 44 days | Up to 55 days |
Credit Limit Range | $6,000 - $100,000 | $2,000 - $50,000 | $2,000 - $30,000 |
Rates | |||
Retail Purchase Rate | 20.99% p.a. | 20.99% p.a. | 13.99% p.a. |
Cash Advance Rate | 21.99% p.a. | 21.99% p.a. | 21.99% p.a. |
Credit Card Fees | |||
Annual Fee | $75 for the first year, and $149 after that8 | $89 | $65 |
Additional Card Fee | Up to 4 free | $15 | $15 |
Credit Card Rewards | |||
Q Rewards Points4 |
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 |
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Points Capping | Uncapped | Uncapped | N/A |
eVouchers | |||
Cash Back Rewards | |||
Select and Credit | |||
Points Transfer5 | |||
Platinum Personalised Rewards program | |||
Insurance1 Note: complimentary travel insurances will no longer be available from 15 May 2026. Find out more here |
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Purchase Protection Insurance | |||
Extended Warranty Insurance | |||
International Travel Insurance | |||
Domestic Travel Insurance | |||
Rental Vehicle Excess Insurance in Australia | |||
Security | |||
Pen or PIN | |||
Emergency Card Replacement within 24 hours (Australia) | |||
Additional Features | |||
Worldwide Visa Acceptance | |||
Apple Pay | |||
Samsung Pay | |||
Visa Contactless Payments | |||
BOQ Internet Banking Access | |||