Platinum Visa Credit Card


Everything you need, with all of the platinum credit card benefits – including 2 Q Rewards® credit card points earned on every dollar of eligible spend⁴, complimentary purchase cover insurance, complimentary international travel insurance, and more.

At a glance

$ 129 p.a.
Annual card fee
20.74 %
Interest rate on purchases
55 days
Interest free period up to 55 days⁶
$1 = 2 Points 
Earn 2 Q Rewards points on every dollar spent on eligible purchases⁴

Latest Credit Card Offer


120,000 bonus Q Rewards Points

Up to 120,000 bonus Q Rewards® points (60,000 points when you spend $3,000 in the first 2 months from card approval, plus a further 60,000 points when you spend $10,000 in the first year) on Eligible Transactions2

0% p.a. balance transfer for 14 months¹ | $0 balance transfer fee

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

Get to know our Platinum Visa Credit Card


Complimentary Purchase Cover Insurance

Feel safe, with cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply)⁵

Guaranteed Pricing Scheme

No regrets, with a refund up to $500 if you buy an eligible item that goes on sale afterward⁵

Complimentary International Travel Insurance

Assurance when you and your family travel (terms, conditions, limits and exclusions apply)5

Home loan with BOQ?

Pay no annual fee on your credit card while your home loan is with BOQ⁷. Plus earn 40,000 Q Rewards points when you spend $3,000 in 2 months..

Instalment Plans³

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

Interest rates and fees

Annual fee Annual percentage rate
(% p.a.) - Purchases
Annual percentage rate
(% p.a.) - Cash
Interest-free days on purchases8
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 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.

You might also be interested in:

Save with lower interest rates

Low Rate Visa Credit Card

Why pay high interest rates? With our Low Rate Credit Card, you can save straight away with our purchase and balance transfer offer7

  • 0% p.a. on purchases for the first 6 months, reverting to ongoing purchase rate7
  • 0% p.a. on balance transfers for the first 6 months reverting to the cash advance rate thereafter7
  • No fees on balance transfers

Earn Q Rewards Points with a Blue Visa Credit Card

Blue Visa Credit Card

Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases and redeem them for a range of options like evouchers, cashback and pay with points.4

  • 0% p.a. on balance transfers for 18 months, reverting to the cash advance rate thereafter. No interest free days apply to retail purchases while you have a balance transfer5
  • No fees on balance transfers
  • Earn 1 Q Rewards point for every dollar spent on Eligible Transactions4