Credit Cards

From high rewards to low rates

Three great cards, no tricky decisions. Whether it’s rewards, low interest, or a balance transfer, we’ve got you. Start comparing now.{sub-heading}

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Platinum Visa Credit Card

The Platinum Visa Credit Card that has an earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.⁴

Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval⁶
0% p.a. on Balance transfers for 12 months with a 3% Balance Transfer Fee.⁷ Reverts to Cash Advance rate thereafter.

Blue Visa Credit Card

Earn 1 Q Rewards® Point for each dollar spent on Eligible Purchases⁴ and redeem them for a range of options like Gift Cards, Cashback and Pay With Points.

Earn 50,000 Q Rewards Bonus Points when you spend $3,500 on Eligible Transactions within 90 days from approval.¹²
0% p.a. Balance Transfers for 6 months with a 1% Balance Transfer Fee.¹³ Reverts to Cash Advance rate thereafter.

Low Rate Visa Credit Card

If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.

0% p.a. on Balance Transfers for 18 months with a 3% Balance Transfer Fee.¹⁵ Reverts to Cash Advance rate thereafter.

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All cards

Platinum Visa Credit Card

The Platinum Visa Credit Card that has an earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.⁴

Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval⁶
0% p.a. on Balance transfers for 12 months with a 3% Balance Transfer Fee.⁷ Reverts to Cash Advance rate thereafter.

Blue Visa Credit Card

Earn 1 Q Rewards® Point for each dollar spent on Eligible Purchases⁴ and redeem them for a range of options like Gift Cards, Cashback and Pay With Points.

Earn 50,000 Q Rewards Bonus Points when you spend $3,500 on Eligible Transactions within 90 days from approval.¹²
0% p.a. Balance Transfers for 6 months with a 1% Balance Transfer Fee.¹³ Reverts to Cash Advance rate thereafter.

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Rewards Cards

Low Rate Visa Credit Card

If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.

0% p.a. on Balance Transfers for 18 months with a 3% Balance Transfer Fee.¹⁵ Reverts to Cash Advance rate thereafter.

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Low Rate/ No Annual Fee

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Tips and guides{yellow-border}

Discover answers, tips and guides on how to make the most of your new BOQ credit card.{sub-heading}

Credit card payment options

See how you can make credit card repayments.

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Q Rewards

From cash back on your purchases to Pay with Points to Giftcards, to Velocity Points Transfer, see how you can use your Q Rewards® Points.

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Credit card FAQs

Frequently asked questions about BOQ Credit Cards.

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Credit Card selector tool

Not sure which card is best for you? Use our handy tool to help you decide.

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Frequently asked questions{yellow-border}

If you can’t find the answer to your question here, there’s more info available.{sub-heading}

How do you apply for credit cards in Australia?

To apply for a credit card, you must meet the eligibility criteria such as being 18 or over, you’re an Australian resident, you receive a regular income and have a good credit score. Then, you’ll need to compare credit card options to find the right one for your financial needs. Visit our compare credit cards page to see which BOQ Credit Card is right for you.

Once you have decided to apply online or in person at a BOQ branch, you’ll need to provide personal and financial information such as income and expenses. Then wait for your application to be reviewed. You will be notified of the outcome of your application within two bank business days of submission of the electronic application.

What is a credit card?

A credit card allows you to borrow money or get ‘credit’ from a bank or credit card company to make purchases or withdraw cash. It’s a card with a set amount of funds (called a 'limit’) you can access at any time. This limit is set when you apply for a card. When you use a credit card, you are essentially taking out a loan that you must repay and may incur interest and fees. Some credit cards come with rewards programs that reward you with points for everyday spending.

What is a low interest credit card?

A low interest credit card is one that charges a lower purchase interest rate than the market average in Australia, helping you save significantly if you don’t pay off your balance in full every month.

How does credit card interest work?

The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date on your credit card statements. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments. Most credit cards also have an annual charge which is separate to credit card interest.

Can you withdraw cash with a credit card?

Yes, you can withdraw up to AUD $1,000 cash per day using your BOQ credit card. Fees and charges will apply, view our credit card fees and charges guide for more information.

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