Bank of Queensland credit cards

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

By   |   Verified by David Boyd   |   Updated 27th August 2020

Comparing Bank of Queensland credit cards

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More about Bank of Queensland credit cards

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

  • FAQs

Can I get a credit card from Bank of Queensland if I live in a different state?

Yes. However, most of their branch network is located inside Queensland. You can use online and telephone to manage your account if there is no branch available nearby.

Can I manage my Bank of Queensland credit card account online or via phone?

Yes. Customers of BoQ can access their accounts and banking services through quick and easy electronic options from computers, mobile devices or over the phone. Internet banking allows customers to perform everyday transactions, bill payments and balance checks online, simply and securely with the BoQ Security Token. Business customers gain access to online banking services such as payment file uploads, payment templates, multi user transaction authorisation and privilege delegation. These services are also available with BoQ’s award-winning mobile banking, which allows customers to do their banking on mobile devices.

EasyPhone is BoQ’s telephone banking service, an easy way to deal with everyday banking transactions and enquiries. Customers can select between touch-tone or voice recognition to access telephone services including transfers, bill payments and balances checks.

Do I have to pay to join Q Rewards?

No, all users of BoQ’s Blue Visa card, Gold Visa card and Platinum Visa card a given free membership and there are no annual membership fees. You must keep up with monthly repayments to maintain your membership. If you miss repayments you could lose points and forfeit your membership.

Do I need to switch banks in order to get a card from Bank of Queensland?

No. You are only applying for a credit card and do not need to change who you already bank with.

Do Q Rewards points expire?

No, Q Rewards points never expire. However, as mentioned above, you may lose your points if you miss monthly repayments. Always check the small print and rewards terms and conditions before applying for a credit card.

How do I access Q Rewards?

You can access your Q rewards by logging on to Internet Banking and selecting ‘Other Card Functions’. Here you can check your points, redeem them for products and services or browse the latest offers.

Is there a cap on the number of Q rewards that can be earned?

Yes, there is a limit to how many points you can collect each year. Annual capping varies depending on the card.

What can Q Rewards points be redeemed for?

There is a wide selection of rewards available on the scheme including travel incentives such as flights, hotels and resorts, cruises and rentals. Points can be used for flights with a choice of airlines including airlines including Virgin Australia and Qantas.

Points can also be exchanged for retail and entertainment vouchers to be used at Myer, Village Cinemas, Bunnings, Dreamworld and many other places.

What cards are available from Bank of Queensland?

Our comparison table presents a choice of BoQ credit cards, each designed to suit different types of cardholder and their financial circumstances.

  • BoQ Low Rate Visa card - This card tends to offer low rates on purchases, up to 55 days interest-free days, and can be used for all sorts of everyday transactions. The card also features a cheap balance transfer offer, so could be a good way of moving debts from another card and improving your credit.
  • BoQ Platinum Visa card - This is their more premium card with higher spending limits, travel insurance and access to the Q Rewards program. The card comes with plenty of extra benefits, but does attract a higher annual fee.

What is the Q Rewards program?

BoQ credit cards (excluding the BoQ Low Rate Visa) provide access to the Q Rewards program. Once you have your new BoQ card you are automatically given free membership to Q Rewards, and can start earning points an all payments you make with your card.