Fees and charges are payable. NAB's standard credit assessment criteria apply. Terms and Conditions apply and are available upon request. Offers only available to approved new BOQ credit card customers. Introductory offer cannot be used in conjunction with any other credit card offer, including when you take out a credit card as part of a home loan package.
1. To be eligible for the purchase and balance transfer offer you need to apply for the BOQ Low Rate Visa card by 30 November 2023. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 12 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 13.49% p.a for a BOQ Low Rate Visa Card. Interest rates are variable and subject to change. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a interest rate applies to balances transferred with this offer for a period of 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any oustanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.49% p.a. Please note you will not be entitled to any interest-free days on Retail Purchases at the end of the promotional period whilst you have a Balance Transfer. If you make a retail Purchase before your balance transfer is processed, payments made during the promotional period will be applied to the Retail Purchase balance before the Balance Transfer. For important information to consider before taking up a balance transfer, please click here
2. To be eligible for the balance transfer offer you need to apply for the BOQ Blue Visa card by 30 November 2023. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, for a period of 20 months. The 20 month promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here.
3. To be eligible for the balance transfer offer you need to apply for the BOQ Platinum Visa card by 30 November 2023. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, for a period of 14 months. The 14 month promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.49% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. For important information to consider before taking up a balance transfer, please click here.
5. To be eligible for the 150,000 bonus Q Rewards® Points offer you need to apply for the BOQ Platinum Visa Card by 30 November 2023. Bonus Q Rewards Points will be awarded when $3,000 or more is spent on Eligible Transactions within the first 3 months from card approval. Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The bonus Q Rewards® Points will be credited to the Primary Cardholder’s Account up to 60 days after meeting the spend criteria.
7. Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions available at https://www.boq.com.au/important-information/terms-and-conditions which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
8. Q Rewards® points are earned on Eligible Transactions. Eligible purchase is defined as Eligible Transaction. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears.
