Low Rate Visa Credit Card


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

At a glance

$ 55 p.a.
Annual fee
13.49 %P.A.
Low interest rate on purchases
55 days 
Interest free period up to 55 days²

Latest Credit Card Offer


0% p.a. on purchases and balance transfers for 12 months¹ | No balance transfer fee.

Feel on top of your finances with no interest for 12 months on purchases and balance transfers¹ plus no balance transfer fee. No interest free days apply while you have a balance transfer. 

Reverts to cash advance rate. No interest free days apply while you have a balance transfer.

Instalment Plans³

With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term. Find out more.

Get to know our Low Rate Visa Credit Card

Visa contactless

Tap to pay with Visa 

Security and fraud protection

Protected by Visa’s multiple layers of security. Data provided to Visa by acquiring financial institutions and other third parties.

Worldwide ATM Access

Accepted at over 61 million merchant locations worldwide

Interest rates and fees

Annual fee Annual percentage rate
(% p.a.) - Purchases
Annual percentage rate
(% p.a.) - Cash
Interest free days on purchases8
$55 13.49 21.49
Up to 55 days (unless you have a balance transfer)

A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.

Ready to apply?

To apply for the Low Rate Credit Card, you must:
  • Be at least 18 years of age
  • Have a good credit rating
  • Earn a taxable income of $25,000 per year or more
  • Be a permanent Australian resident or citizen
What you'll need for your application
  • Your income and expense details
  • Your driver's license number
  • Your employment details
  • Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
Applying online will take around 10 minutes

Apply now

Credit Card FAQs

  • Who can apply for a credit card online?

    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory
    • The Account must be in personal names (no Company or Trading Accounts)
    • The applicant must be over 18 years of age
    • If an additional cardholder is requested, they must be over 16 years of age
  • How long will the online credit card application take to complete?

    The online credit card application will take approximately 20 minutes to complete, assuming you have all the necessary information on hand.

  • What documents do I require?

    The required documentation is dependent upon whether or not you are an existing BOQ customer.

    To apply for a BOQ Credit Card, you will require the following documents:

    • Identification documents, including address details
    • Your income and expense details
    • Your employment details
    • Click here for further information on what documentation will be required.
  • How do I add an additional cardholder?

    To add an additional cardholder on an existing BOQ Credit Card:

    • Select your credit card account in BOQ Internet Banking, select ‘Q Rewards / Other Card Functions’ and then select the ‘Add and Additional Cardholder’ function; or
    • Visit your nearest BOQ Branch
  • More Credit Card FAQs

    For more FAQs on applying for credit cards online, click here.

    More FAQs on credit card management, Q Rewards, payment options, credit card transaction disputes can be found here.

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Earn Q Rewards Points with a Blue Visa Credit Card

Blue Visa Credit Card

Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases and redeem them for a range of options like evouchers, cashback and pay with points.4

  • Earn 1 Q Rewards point for every dollar spent on Eligible Transactions4
  • 0% p.a. on balance transfers for 20 months, reverting to the cash advance rate thereafter. No interest free days apply to retail purchases while you have a balance transfer5
  • No fees on balance transfers

Earn Q Rewards Points and enjoy perks

Platinum Visa Credit Card

Everything you need, with all of the Platinum Credit Card benefits. Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).

  • Earn 150,000 bonus Q Rewards® points when you spend $3,000 on Eligible Transactions in the first 90 days from approval1
  • 0% p.a. on balance transfers for 14 months, reverting to the cash advance rate thereafter. No fees on balance transfers. No interest free days apply to retail purchases while you have a balance transfer3
  • Earn 2 Q Rewards points for every dollar spent on Eligible Transactions 4