Bank of Queensland credit cards

Bank of Queensland credit cards are available to everyone. Even if you don’t live in Queensland, you can take advantage of their competitive low rate offers and rewards.

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Updated 6 Mar 2025   |   Rates updated regularly

Comparing of 3 Bank of Queensland credit cards

BOQ Platinum Visa Credit Card

Not available for application via this website

BOQ Platinum Visa Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$75.00 for 1st year

Highlights

A hidden gem of a platinum card if you’re after rewards and perks. Spend $4,500 within 3 months and earn 100,000 Q Rewards points—which can be converted to Velocity or Flybuys points. Earn 2 Q Rewards points per $1 on eligible purchases, plus extras you'd expect with a platinum card, like purchase protection and travel insurance. Balance transfers get a 0% p.a. rate for 12 months (1% fee applies), reverting to 21.99% p.a. after that.

Pros

  • Get up to 100,000 Q Rewards points which can be used to redeem eVouchers or cashback, or converted to Velocity or Flybuys points.
  • Earn up to 2 Q Rewards Points for every $1 spent on eligible transactions.
  • 0% p.a. on balance transfers for 12 months with a 1% balance transfer fee.
  • Discounted annual fee of $75 for the first year.
  • Get up to 4 additional cardholders at no extra cost.

Cons

  • The $149 p.a. annual fee after the initial year.
  • There is a 1% balance transfer fee.
BOQ Blue Visa Credit Card

Not available for application via this website

BOQ Blue Visa Credit Card

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$89.00 p.a. ongoing

Highlights

This is a solid balance transfer offer card with rewards on new spending. Right now, spend $3,500 in the first 3 months and get 50,000 bonus Q Rewards points. The annual fee is competitive for a rewards card. A good choice if you want points and a balance transfer deal, but be mindful of juggling repayments and earning points.

Pros

  • Get 50,000 bonus Q Rewards points when you spend $3,500 within 3 months of approval.
  • 0% p.a. on balance transfers for 6 months (1% fee applies).
  • Earn 1 Q Rewards point per $1 on eligible spending.
  • Low annual fee for a rewards credit card.
  • Free purchase protection insurance.

Cons

  • Can't transfer Q Rewards points to partner programs, unlike the BOQ Platinum Visa Credit Card.
  • Balance transfer reverts to 21.99% p.a. after the promotional period.
  • The 44-day interest-free period is shorter than some cards offering up to 55 days.
  • $15 charge per additional card.
BOQ Low Rate Visa Credit Card

Not available for application via this website

BOQ Low Rate Visa Credit Card

Balance transfer

18 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Interest-free days

55 days

Annual fee

$65.00 p.a. ongoing

Highlights

Get 0% p.a. on balance transfers for 18 months, but keep in mind a 2% transfer fee applies, and unpaid balances will mean interest on new purchases. After the promo, the rate reverts to 21.99% p.a. On the plus side, everyday spending gets a low 13.99% p.a. rate, and you’ll enjoy up to 55 interest-free days on purchases. A decent option for cutting interest, but best suited if you can clear the balance before the revert rate kicks in.

Pros

  • 0% p.a. for 18 months on balance transfers
  • Low 13.99% p.a. purchase interest rate

Cons

  • No rewards points or cashback.
  • A one-time 2% balance transfer applies.
  • Balance transfer reverts to the 21.99% p.a. cash advance rate after the introductory period.
  • 3.4% fee on international transactions.
  • Additional cards come with a fee.

More about BOQ credit cards

Find helpful information on interest rates, fees, balance transfers, and rewards.

  • FAQs

What is the most popular Bank of Queensland credit card?

Based on our research, we think the Platinum Visa Card is the most popular credit card from Bank of Queensland.

Does the Bank of Queensland offer credit cards with an introductory balance transfer?

Yes, you can get a balance transfer credit card with the Bank of Queensland. However, you might find a better deal with a different bank.

Does the Bank of Queensland offer credit cards for businesses?

Business credit cards are not offered by the Bank of Queensland.

Does the Bank of Queensland offer any credit cards with cashback rewards?

Cashback credit cards are not currently available from the Bank of Queensland.

Is a low interest rate credit card available from the Bank of Queensland?

You can get a low rate credit card from the Bank of Queensland. If a low purchase rate is important to you, it would be worth checking what’s available from some alternative banks before applying.

Does the Bank of Queensland offer frequent flyer credit cards?

Bank of Queensland does not have a credit card linked with a frequent flyer program. However, you can earn Q Rewards points that can be transferred out to airline partners.

Does the Bank of Queensland have credit cards with rewards points?

Bank of Queensland has a credit card that earns rewards points with every purchase. They typically have a sign up bonus available too.

What can Bank of Queensland rewards points be used for?

Bank of Queensland's rewards program is called Q Rewards. Points earned in the program can be redeemed for cashback, eVouchers, travel, and transferred out to partners.

What rewards programs can be linked with a Bank of Queensland card?

It is currently not possible to link Qantas Frequent Flyer or Velocity Frequent Flyer accounts with a BOQ card. However, points earned can be transferred out to flybuys or Velocity Frequent Flyer.

What partners can points be transferred to from Bank of Queensland?

Points can be transferred from the Bank of Queensland to flybuys or Velocity Frequent Flyer.

How can a credit card from the Bank of Queensland be managed?

Bank of Queensland credit card holders can manage their credit card using the mobile app, via telephone, or in a branch.

Can Bank of Queensland credit cards be used with a digital wallet?

Yes. Bank of Queensland credit cards can be added to Apple Pay, Google Pay, and Samsung Pay.

Is it possible to have more than one Bank of Queensland credit card?

Yes. Bank of Queensland permits cardholders to have more than one card open at the same time.

Are instalment plans available with a Bank of Queensland credit card?

Yes. Bank of Queensland offers a range of instalment plans with their credit cards, making it possible to pay off one or more transactions in fixed instalments.

Who can apply for a credit card from the Bank of Queensland?

Bank of Queensland requires applicants to be at least 18 years old and earning $25,000 or more (depending on the card). Citizens and permanent Australian residents can apply. All applicants must have no history of bad credit.

What documents are required when applying for a Bank of Queensland credit card?

Bank of Queensland will ask for an Australian Driver's Licence number, details of your income and expenses and debts, and proof of income.

How long does it take for the Bank of Queensland to process an application?

Bank of Queensland does not provide an instant decision on applications. It takes them about 2 days to process an application in full.

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