Low Rate Visa Credit Card
0% p.a. for 14 months on balance transfers (reverts to cash advance rate)*
If only everything was as simple as our Low Rate Visa Credit CardApply now
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*
|Annual fee||Annual percentage rate
(% p.a.) - Purchases
|Annual percentage rate
(% p.a.) - Cash
|Interest free days on purchases**|
||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.
For important information on the Low Rate Credit Card, view our Terms and Conditions.
Earn Q Rewards® points with a Blue Visa Credit Card
Earn Q Rewards® points and redeem them for range of merchandise, gift cards or even your next holiday19
Everyday banking with no monthly fees
The Day2Day Plus Account is the everyday bank account that frees you to live the way you want, each and every day.
*To be eligible for the balance transfer offer you need to apply for the BOQ Low Rate Visa card by 30 April 2020. 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 at point of application, for a period of 14 months. The 14 month promotional period commences once the balance transfer is processed. 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. Balance transfers from other Citi-issued credit facilities are excluded. For important information to consider before taking up a balance transfer, please click here.
**The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.
^Cash withdrawal limits, fees and charges may apply.
16 To be eligible for the balance transfer offer you need to apply for the BOQ Blue Visa card by 30 April 2020. 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 6 months. The 6 month promotional period commences once the balance transfer is processed. 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. Balance Transfer from other Citi-issued credit facilities are excluded. For important information to consider before taking up a balance transfer, please click here.
19 Q Rewards® points are earned on Eligible Transactions. 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.
22$120 cash back is available for new approved Bank of Queensland Blue Visa credit card customers who apply by 30 April 2020 and spend $500 per month on retail purchases for the first 3 months from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The cash back will be credited to the primary card holder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. This offer is subject to change without notice at the discretion of Bank of Queensland, is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if have a balance transfer, you will be charged interest on any spend that you make. The Netflix comparison is valid as of 13/9/18 (Basic package: $9.99 per month).
Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Citigroup’s standard credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges before making any decision about whether to acquire or continue to hold the product. You can obtain a copy of those documents from any Bank of Queensland branch or by contacting us.
Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.