Platinum Visa Credit Card

platinum visa credit card

Everything you need, with all of the platinum credit card benefits – including 2 Q Rewards® points for every dollar spent on eligible transactions⁴, purchase protection insurance5, international and domestic travel insurance5, and more.

Credit card rates and fees

$ 65 p.a.
For the first year, $129 p.a. after that 8
20.74 %
Interest rate on purchases
55 days
Interest free period up to 55 days 6
$1 = 2 Points 
Earn 2 Q Rewards points on every dollar spent on eligible purchases 4

Latest Credit Card Offer

Apply now

Icon bonus Q reward points

100,000 bonus Q Rewards Points

Earn 100,000 bonus Q Rewards® points when you spend $4,500 on Eligible Transactions within the first 3 months from card approval2.


Icon balance transfer

0% p.a. balance transfer for 12 months¹ | 1% transfer fee applies

Reverts to cash advance rate. No interest free days apply while you have a balance transfer.

Get to know our Platinum Visa Credit Card


Icon international travel insurance

International and Domestic Travel Insurance

Insurance when you and your family travel (terms, conditions, exclusions, limits and applicable sub-limits apply).5

Icon insurance

Purchase Protection Insurance

Cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply). 5

Icon home loan

Home loan with BOQ?

Pay no annual fee for on your credit card while your home loan is with BOQ7. Visit your local BOQ Branch to apply for this offer. Visit for our operating hours.

Icon installment plans

Instalment Plans

With Instalment Plans, you can split your purchases into manageable monthly instalments over a set term3. Find out more.

Ways to use your Q Rewards credit card points

We love happy customers and rewarding you makes us happy too.

Turn your credit card points into cash

Something for your wallet: your points can become cashback rewards to your account.

Wipe a Credit Card purchase

Pay it off with points: redeem for a statement credit back against eligible purchases when you use Select and Credit.

Treat yourself – or someone else

Redeem for eVouchers from great retailers including Coles, BP, Bunnings and more.

Switch your Q Rewards for Flybuys

Get even more choice: you can convert your points to Flybuys.

Interest rates and fees

Annual fee Annual percentage rate
(% p.a.) - Purchases
Annual percentage rate
(% p.a.) - Cash
Interest-free days on purchases6
 $65 annual fee for the first year, then $1298
20.74 21.74

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.

Ready to apply?

To apply for the Platinum Visa Credit Card, you must:
  • Be at least 18 years of age
  • Have a good credit rating
  • Earn a taxable income of $35,000 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 now

If you have saved your application:

Load saved application

Credit Card FAQs

  • Who can apply for a credit card online?

    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory
    • The Account must be in personal names (no Company or Trading Accounts)
    • The applicant must be over 18 years of age
    • If an additional cardholder is requested, they must be over 16 years of age
  • How long will the online credit card application take to complete?

    The online credit card application will take approximately 20 minutes to complete, assuming you have all the necessary information on hand.

  • What documents do I require?

    The required documentation is dependent upon whether or not you are an existing BOQ customer.

    To apply for a BOQ Credit Card, you will require the following documents:

    • Identification documents, including address details
    • Your income and expense details
    • Your employment details
    • Click here for further information on what documentation will be required.
  • How do I add an additional cardholder?

    To add an additional cardholder on an existing BOQ Credit Card:

    • Select your credit card account in BOQ Internet Banking, select ‘Q Rewards / Other Card Functions’ and then select the ‘Add and Additional Cardholder’ function; or
    • Visit your nearest BOQ Branch
  • More Credit Card FAQs

    For more FAQs on applying for credit cards online, click here.

    More FAQs on credit card management, Q Rewards, payment options, credit card transaction disputes can be found here.