Platinum Visa Credit Card Blue Visa Credit Card Low Rate Visa Credit Card
Credit Card Summary Q Rewards® Points Offer Q Rewards® Points Offer Balance Transfer Offer
Special Offers Earn 100,000 bonus Q Rewards® Points when you spend $4,500 on Eligible Transactions within 3 months from card approval6

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 7

1% fee on balance transfers 		Earn 50,000 bonus Q Rewards® Points when you spend $3,500 on Eligible Transactions within 3 months from card approval12

0% p.a. on balance transfers for 6 months, reverting to cash advance rate thereafter13

1% fee on balance transfers 		0% p.a. on balance transfers for 18 months, after which the rate reverts to the cash advance rate15

2% fee on balance transfers

Interest will be charged on retail purchases while you have an unpaid balance transfer
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

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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
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
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

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FAQs

  • 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 credit card is a great option as you earn Q Rewards® points which can be used to redeem eVouchers or cashback, or converted 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. 

  • 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 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.