At a glance

On balance transfers for 6 months⁷, 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 transfer.
13.49 %P.A.
Low interest rate on purchases
Up to 55 days 
Interest free on your purchases⁸ 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 away7

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 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.

Apply for a Low Rate Credit Card

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 online now

Important information

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

You might also be interested in: 

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 options or even your next holiday4

  • 0% p.a. on balance transfers for 18 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 1 Q Rewards® point for every dollar spent on Eligible Transactions4

Everyday banking with no monthly fees

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