Platinum Visa Credit Card
Get the lot (and more) – for surprisingly little.
Earn 100,000 bonus Q Rewards® points2
Apply nowSpend criteria, terms and conditions apply. New customers only.
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.
From 31 October 2024, the following changes will apply to the BOQ Platinum Credit Card
Interest Free Period: Interest Free Period will change to ‘up to 44 days’.
Annual Fee: The Annual Cardholder Fee will increase to $149.
Annual Percentage Rate: The interest rate on Retail Purchases will increase to 20.99% p.a. and the interest rate on Cash Advances will increase to 21.99% p.a.
Credit card rates and fees
$ 65 p.a.
For the first year, $129 p.a. after that
8
20.74 % p.a.
Interest rate on retail 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
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.
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
International and Domestic Travel Insurance
Insurance when you and your family travel (terms, conditions, exclusions, limits and applicable sub-limits apply).5
Purchase Protection Insurance
Cover for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply). 5
Home loan with BOQ?
Pay no annual fee on a new BOQ Platinum credit card while your home loan is with us7. This offer is only available to apply for in branch, locate your closest one here.
Not available in conjunction with any other website or special offers7.
Instalment Plans
With Instalment Plans, you can split your purchases into manageable monthly instalments over a set term3. Learn about instalments.
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, Bunnings and more.
Switch your Q Rewards for Flybuys or Velocity points.*
Get even more choice: you can convert your points to Flybuys or Velocity points.
Interest rates and fees
| Annual fee | Annual percentage rate (% p.a.) - Retail Purchases |
Annual percentage rate (% p.a.) - Cash Advances |
Interest-free period on purchases6 | Credit Limit Range |
|---|---|---|---|---|
| $65 annual fee for the first year, then $1298 |
20.74 | 21.74 |
Up to 55 days (unless you have a balance transfer) | $6,000 - $100,000 |
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
- Call us on 1300 55 72 72
If you have saved your application:
