At a glance

0 %P.A.
On balance transfers for 12 months* reverting to the cash advance rate thereafter
13.49 %P.A.
Low interest rate on purchases
Up to 55 Days
Interest free on your purchases** Interest Free days are not available when you have Balance Transfers

Why choose our Low Rate Visa Credit Card?

Why pay high interest rates? Pay less interest with lower interest rates with a BOQ Low Rate Credit Card. Plus, if you currently have a store card or credit card with another provider, you can take advantage of our great balance transfer rates and start saving right away*

Security and fraud protection

Added security and authorisation for online purchases with Verified by Visa, FRAUDSHIELD and Visa Zero Liability. 

For further information refer

Worldwide ATM Access

Accepted at over 29 million locations and ATMs worldwide.

For further information refer

Visa payWave

For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient^.

Interest rates and fees

Annual fee Annual percentage rate
(% p.a.) - Purchases
Annual percentage rate
(% p.a.) - Cash
Interest free days on purchases**
$55 13.49 21.49
Up to 55 days

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

Important information

For important information on the Low Rate Credit Card, view our Terms and Conditions. 

Ready to apply?

Step 1.

To be eligible:

  • You are at least 18 years of age
  • You have a good credit rating
  • You earn a taxable income of $25,000 per year or more
  • You are a permanent Australian resident

Important Information: If you apply for a balance transfer, your total balance transfers may not exceed 80% of your credit limit.

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Earn Q Rewards® points with a Blue Visa Credit Card

Blue Visa Credit Card

Earn Q Rewards® points and redeem them for a range of merchandise, gift cards or even your next holiday!19

  • 0% p.a. on balance transfers for 6 months, reverting to the cash advance rate thereafter16
  • Earn 1 Q Rewards® point for every dollar spent on Eligible Transactions19
  • Complimentary purchase cover insurance 20

Our award winning, no fee bank account

Day2Day Plus Account

The Day2Day Plus Account is the everyday bank account that frees you to live the way you want, each and every day.

  • Easily manage your daily transactions and bills through internet banking
  • Unlimited deposits, withdrawals, BOQ balance enquiries, funds transfer and BPAY transactions
  • Contactless payments and secure online purchases through Visa Debit