BOQ Platinum Visa Credit Card

BOQ Platinum Visa Credit Card


  • Earn 150,000 bonus Q Rewards points when you spend $3,000 on eligible transactions in the first 90 days from approval.
  • Enjoy 0% p.a. on balance transfers for 14 months with no balance transfer fee. Reverts to cash advance rate of 21.74% p.a. after the promotional period.
  • Earn 2 Q Rewards points for every 1 dollar spent on eligible transactions.

Pros and cons


  • Get up to 150,000 Q Rewards points when you meet the criteria.
  • 0% p.a. on balance transfers for 14 months with no balance transfer fee.
  • Get up to 4 additional cardholders at no extra cost.


  • The $129 p.a. annual fee.

Our review


Customer service

Rates and fees



The basics

  • Additional cardholders. This card allows up to 4 additional cardholders at no extra cost, so you can share the account with family members. As the account holder, you will be responsible for managing the account and repayments.
  • Digital wallets. This card supports Apple Pay, Google Pay and Samsung Pay.
  • Gambling transactions. Bank of Queensland has blocked all gambling-related transactions on the BOQ Platinum Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The BOQ Platinum Visa Credit Card comes with complimentary international travel insurance. This coverage is activated when cardholders use the card to pay for their travel expenses prior to departure. Eligibility criteria apply.
  • Concierge services. The BOQ Platinum Visa Credit Card comes with access to a 24/7 concierge service, which can provide assistance with booking travel arrangements, getting recommendations, arranging gifts, and more.
  • Rewards points. BOQ Platinum Visa Credit Card holders can earn 2 points per $1 spent in the Q Rewards program on eligible purchases. Cardholders can redeem their rewards points for a range of rewards including merchandise, travel, and experiences. Points do not expire if the account is kept open, active, and in good standing.
  • Sign-up bonus. Bank of Queensland offers 150,000 bonus points when you spend $3,000 in the first 3 months.

Rates and fees

  • Annual fee. The annual fee for this card is $129 p.a.
  • Balance transfers. This credit card offers a 0% p.a. balance transfer rate for 14 months with an 80% balance transfer limit. There is no balance transfer fee and the revert rate is not applicable after the 14-month period.
  • Cash advances. If you use your card to make a cash advance, you'll pay the 21.74% p.a. interest rate immediately from the date of the transaction. In addition to interest, a one-off cash advance fee of 3.5% will be charged for any cash advances made with this card.
  • Foreign exchange fee. Any purchases made overseas or in a foreign currency will incur a fee of 3.4%.
  • Interest-free period. This card offers up to 55 days interest-free on purchases (except for cash advances) when you have paid off your previous balance or made the minimum required payment.
  • Purchases. There is no introductory offer on purchases with the BOQ Platinum Visa Credit Card. Purchases will be charged interest at the ongoing rate of 20.74% p.a.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees



Totally happy with my platinum card!

Reviewed by Andrea

A great card, with easy use at a large range of shops etc and full access on my phone. Got the card when I purchased an investment house and have been very happy with the card and the bank in general ever since. Best service of any bank I have banked with ever!

Problem-free rewards card

Reviewed by Anon

So easy to access this card. I have had no problems with payments, interest rates and resolution of problems. The rewards system is great – mostly household products we would use, as well as shopping cards with values from $50 to &100. Easy internet access.also makes this card a beneficial resource.

Easy rewards

Reviewed by Kylie Butcher

Spend and treat yourself. Each dollar you spend you receive points that allow you to transfer into cash. Once you are reimbursed for your hard spending you can treat yourself with anything you may wish! You can also take the benefit of the low interest, which is easily manageable.

A shiny card

Reviewed by Jenny

Generally pleased with the reward system on offer, and use the points toward the bill. I like that it has payWave and the fact that it is accepted widely around Australia.

I am not too happy being charged foreign currency conversion fees when travelling overseas. I even selected paying in Australian dollars once and still got stung.

Good for collecting points for flights

Reviewed by Manjula

Good credit limit, efficient service, good security for the card and good privileges. Any time I’ve had a query, the response from the customer service team has been efficient. Hassle free payment with text reminders for when a payment is due. No problems with overseas transactions either.

I highly recommend the card to anyone who is looking for a good credit limit card and prompt service.

Serves my purpose

Reviewed by Manjula

The points can be converted easily to KrisFlyer points and additionally you get Priority Lounge Membership in world class airports. Premier Lounge entries are unlimited and very helpful when you have an economy class ticket—you can get some business class service while waiting. Annual fees are reasonable.

Pleased overall

Reviewed by Shane

The fees on this card are reasonable, the interest-free term is quite long, and the interest rates are comparable to most cards. The biggest benefit of my card is the rewards: there is so much to choose from and the points add up before you know it. The balance transfer rates are also very good.

As good as I could ask for

Reviewed by Justin

As it is my first credit card, I don’t have too much to compare it with. It’s been as good as I could ask for. 2 for 1 rewards are great, as well as the included travel insurance. The only thing that could be better is the exchange of points for rewards, but other than that a great card.

Love BOQ!

Reviewed by Shar

It’s more the staff, to be honest. They make you feel real and that you matter — not another number at the deli counter. But the card itself is competitive in today’s market and relatively simple.

Nothing was hidden, or in the fine print, that will surprise you. This is standard of all BOQ products.


Love the shopping vouchers

Reviewed by Kylie

I really quite like this credit card as it has a great rewards program attached to it. I often find myself redeeming my points for different shopping gift cards, which I love because it always feels like a bonus shopping trip. My vouchers always come really quickly in the mail once ordered, too.

Would you like to review this product? Click here to write your review and help others make a better decision.