Low Rate Visa Credit Card
Our lowest annual fee and lowest rate credit card
Apply nowTerms and conditions apply. New customers only.
Upcoming Changes
- We’re updating our Terms and Conditions effective 24 November 2025 and making important changes to your BOQ Credit Card. Learn more about the changes at boq.com.au/credit-card-changes.
BOQ Credit Card applications (new or saved) must be submitted before 26 October otherwise any incomplete applications will be cancelled. New applications will be temporarily unavailable between 26 October 2025 and December 2025. Please review the updated Terms and Conditions before applying.
- The credit card functionality in the BOQ mobile app and Internet Banking will no longer be available from 7:30PM AEDT Friday 21 November 2025 while we transition to our new system. Learn more about the changes
Low Rate Visa Credit Card
With our Low Rate Visa Card, you’ll enjoy our lowest purchase rate to help you save on interest.
Credit Card rates and fees
$ 65 p.a.
Annual fee
13.99 % p.a.
Interest rate on retail purchases
55 days
Interest free period on purchases²
Features
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 - Retail Purchases | Annual percentage rate - Cash Advances | Interest-free period on purchases2 | Credit Limit Range |
|---|---|---|---|---|
| $65 | 13.99% p.a. | 21.99% p.a. |
Up to 55 days (unless you have a balance transfer) | $2,000 to $30,000 |
A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.
Things you should know
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
You might also be interested in:
Earn Q rewards® points
Blue Visa Credit Card
Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases4 and redeem them for a range of options like evouchers, cashback and pay with points.
- Earn 50,000 bonus Q Rewards points when you spend $3,500 on Eligible Transactions within 3 months from approval.12
earn q rewards® points and enjoy Travel Perks
Platinum Visa Credit Card
The Platinum rewards card that has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.4 Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).1
Note: complimentary travel insurances will no longer be available from 15 May 2026. Find out more here.
- Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions within 3 months from approval6
