Low Rate Visa Credit Card
0% p.a. for 12 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|
A ful llist 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 a range of merchandise, gift cards or even your next holiday!19
Our award winning, no fee bank account
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 September 2018. 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 12 months. The 12 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.
**The maximum interest free period applies when you pay your balance off in full by the due date for two consecutive months. If you carry a balance on your credit card from month to month the interest-free period does not apply and you are charged interest once you make a purchase. There is no interest free period for cash advance or balance transfers.
^Cash withdrawal limits, fees and charges may apply.
¹6To be eligible for the balance transfer offer you need to apply for the BOQ Blue Visa card by 30 September 2018. 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 and balance transfer fee 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.
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.
20Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at http://www.boq.com.au/credit-cards.htm.
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.