Upcoming Changes

  • Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.

    On 24 November 2025, BOQ Credit Cards will be undergoing a system change and we’re updating our Terms and Conditions effective on this date. Learn more about the changes at boq.com.au/credit-card-changes. 

  • 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

Compare and choose the credit card for you

Platinum Visa Credit Card

earn q rewards® points and enjoy Travel Perks

The Platinum rewards card that has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.4 Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).1

Note: complimentary travel insurances will no longer be available from 15 May 2026. Find out more here.

Blue Visa Credit Card

Earn Q rewards® points

Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases4 and redeem them for a range of options like evouchers, cashback and pay with points.

Low Rate Visa Credit Card

Save with a lower interest rate

If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down

Quick links

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Credit card payment options

See how you can make Credit Card repayments.

Learn about repayments
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Q Rewards®

From cash back on your purchases (Select and Credit), to eVouchers, to Velocity Points Transfer – see what you can use your QRewards Points on.

Start earning rewards
Icon credit card frequently asked questions

Credit card FAQs

Frequently asked questions about BOQ credit cards.

Find help & support

Credit card FAQs

  • How do I apply for a credit card in Australia?

    Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.

    To apply for a credit card, you must meet the eligibility criteria such as being 18 or over, you’re an Australian resident, you receive a regular income and have a good credit score. Then, you’ll need to compare credit card options to find the right one for your financial needs. Visit our compare credit cards page to see which BOQ credit card is right for you.

    Once you have decided to apply online or in person at a BOQ branch, you’ll need to provide personal & financial information such as income & expenses. Then wait for your  application to be reviewed. You will be notified of the outcome of your application within 2 bank business days of submission of the electronic application.

  • What is a credit card?

    A credit card allows you to borrow money or get ‘credit’ from a bank or credit card company to make purchases or withdraw cash. It’s a card with a set amount of funds (called a 'limit’) you can access at any time. This limit is set when you apply for a card. When you use a credit card, you are essentially taking out a loan that you must repay and may incur interest and fees. Some credit cards come with rewards programs that reward you with points for everyday spending.

  • Can you withdraw cash with a credit card?

    Yes, you can withdraw up to AUD $1,000 cash per day using your BOQ credit card. Fees and charges will apply, view our credit card fees and charges guide for more information. 

  • How does credit card interest work?

    The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date you can find on your credit card statements. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments. Most credit cards also have an annual charge which is separate to credit card interest.