Understand the ways
to pay off your credit card
Credit card instalment plans and payment options
Quick repayment options
With so many payment options, staying on top of your credit card couldn't be easier.
Direct Debit (Autopay)
Set up automatic credit card payments from any bank account with direct debit.
Australia Post*
Pay at your local post office with Bank@Post
Flexible instalment plans
Make your repayments in monthly instalments at a fixed rate over a set term.3
BPAY
Use the BPAY Biller Code and Reference found on your statement.
Our instalment plans
With BOQ instalment plans, you can break your payments into manageable monthly instalments over a set term of 1-5 years.3
Break your credit card payments into monthly instalments
Ideal for large and seasonal purchases, this lets you convert credit card purchases on your current statement balance into a single Instalment Plan, at a personalised fixed rate.
Convert eligible retail purchases into an Instalment Plan
From home essentials to luxury goods and wellbeing packages, our instalment plans give you the chance to break up your larger eligible purchases on your credit card, into smaller payments at a personalised fixed rate over a set term.
Keep your interest free days2
You can still enjoy interest free days on your other purchases made outside the Instalment Plan as long as you pay the Interest Free Days Payment by the Payment Due Date shown on your statement.
Easier to budget
Having a consistent repayment amount of your Instalment Plan will help you work out your budget.
More than one Instalment Plan
You can have multiple Instalment Plans on one credit card as long as each request is within your available credit limit.
BPAY
You can use BPAY to make your repayments. Here's what you need:
* BPAY Biller code: 91215
* Customer Reference Number (CRN): This is your BOQ Credit Card account number, which you'll find on your statement.
Keep in mind, BPAY payments can usually take up to three business days to process. To avoid late fees or extra charges, check the cut-off and processing times to make sure your payment can be received before the Payment Due date (listed on your statement).
* BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518
About Autopay (Direct Debit)
With Direct Debit Request (Autopay) your repayments will be automatically deducted each month from the bank account of your choice so you'll never have to worry about them.
Set up Autopay
To set this up click on the Direct Debit (Autopay) link below, complete the form and return to us.
Things to be aware of
• Additional payments received between the statement date and the day before the Payment Due Date may not reduce the direct debit payment amount. However, we won’t debit more than the Closing Balance on your statement or an amount that would bring your account into credit
• Important - it can take up to 3 business days for your Direct Debit payment to be cleared from the bank account you have nominated to be debited. Until the payment is cleared, these funds will not be available for use
Australia Post*
You can make your payments at any Australia Post office displaying the Bank@PostTM symbol using cash. You will need your card and PIN to process this payment.
Over the counter fee $2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.
