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.

By   |   Verified by David Boyd   |   Updated 17 Mar 2023

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing Bank of Queensland credit cards

BOQ Platinum Visa Credit Card

BOQ Platinum Visa Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$129.00 p.a. ongoing

Highlights

  • 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

  • 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.

Cons

  • The $129 p.a. annual fee.
BOQ Blue Visa Credit Card

BOQ Blue Visa Credit Card

Balance transfer

18 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$60.00 for 1st year

Highlights

  • Enjoy 0% p.a. for 20 months on Balance Transfers with no balance transfer fee (reverts to cash advance fee).
  • Earn points on the Q Rewards program.
  • Guaranteed pricing scheme for your purchases.
  • Up to 44 days on purchases.

Pros

  • Earn rewards points on every dollar spent with no cap.
  • 0% balance transfer for 20 months.
  • No balance transfer fees.

Cons

  • Interest-free period is relatively short, at 44 days.
  • $15 charge per additional card.
BOQ Low Rate Visa Credit Card

BOQ Low Rate Visa Credit Card

Balance transfer

6 months at 0% p.a.

Purchase rate

13.49% p.a. ongoing

Annual fee

$55.00 for 1st year

Highlights

  • Enjoy 0% p.a. for 12 months on balance transfers with no balance transfer fee.
  • Low rate credit card at 13.49% p.a. ongoing.
  • Up to 55 days on purchases interest-free.

Pros

  • Low standard purchase interest rate of 13.49%.
  • 0% p.a. on purchases for the first 12 months reverting to the ongoing purchase rate.
  • 0% on balance transfers for the first 12 months reverting to the cash advance rate thereafter.
  • No fees on balance transfers.

Cons

  • No rewards points or cashback.
  • Additional cards come with a fee.

More about BOQ credit cards

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

  • FAQs

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.

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.

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.

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

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

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 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 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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.