Bank of Queensland Credit Cards | Comparison & Reviews

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.

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Rated 4.8 out of 5 for customer satisfaction.
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balance transfer
purchase rate
annual fee
BOQ Platinum Visa Credit Card
Apply by 30 jun 20
7 reviews
Enjoy NO annual fee for the first year (usually $129 p.a.) plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases.
Receive 1,000 Bonus Q Rewards points every month when you spend $1,000 per month on eligible transactions for the first 12 months.
Earn 2 Q Rewards points per $1 spent.
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12 months
0% p.a.
then 21.74%
with a 0% fee
20.74% p.a.
1st year
then $129
BOQ Low Rate Visa Credit Card
Apply by 30 jun 20
3 reviews
Enjoy 0% p.a. for 14 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.
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14 months
0% p.a.
then 21.49%
with a 0% fee
13.49% p.a.
BOQ Blue Visa Credit Card
Apply by 30 jun 20
5 reviews
Get $120 cashback when you apply online, are approved and spend $500 per month on eligible retail purchases for the first 3 months from card approval.
Earn 1 pt per $1 spent with Q Rewards. And because it’s Visa, you can use it practically anywhere cards are accepted.
Enjoy 0% p.a. for 6 months on Balance Transfers with no balance transfer fee.
More info
Add to comparison
6 months
0% p.a.
then 21.74%
with a 0% fee
20.74% p.a.

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Q&As about Bank of Queensland Credit Cards from customers

Can I get a credit card from Bank of Queensland if I am 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.

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.

Can I manage my account online?

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.

Can I manage my account over the phone?

Yes. 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.

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. Take the time to compare the various rates, balance transfers, fees and rewards to see if there is a card that suits your lifestyle.

BoQ Low Rate Visa card offers 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.

The BoQ Platinum Visa card is a 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.

BoQ’s Gold Visa card offers higher spending limits and a great set of benefits including travel and purchase insurance, and access to Q Rewards.

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.

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, JetStar 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.

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.

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 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 many points do I earn per dollar spent on my BoQ credit card?

With BoQ’s Blue Visa Card and Gold Visa Card you earn 1 point for every $1 you spend. The Platinum Visa Card earns double the points – 2 points for every $1 spent.

Are Q rewards points capped?

Yes, there is a limit to how many points you can collect each year. Annual capping varies depending on the card: 65,000 for Blue Visa cards, 115,000 for Gold Visa cards and 240,000 for Platinum Visa cards.

What other services do they offer?

BoQ offers a full range of personal banking services designed to give individual customers control over their finances. Services include everyday banking, savings and investments, personal loans, home loans, insurance, travel money, wealth management, margin lending, Visa debit cards and a range of credit cards.

BoQ has specially trained business bank managers providing services to businesses and entrepreneurs. Their business bank managers like to get to know business owners personally so they are better equipped to meet their requirements. Customers can also contact their business bank manager on their mobiles, even out of hours if necessary, to receive assistance as and when it is needed.

The range of business services and products available from BoQ includes business transaction, investment and trust accounts, equipment finance, business cards, farm management, loans and merchant services.

How long have Bank of Queensland been around?

In 1874, the Brisbane Permanent Benefit Building and Investment Society was created in Queensland, the state’s first permanent building society, establishing the company that what would later become the Bank of Queensland. The Society was incorporated in 1887, and went on to amalgamate several other financial institutions over the next few decades. In 1942 the company was granted a licence to become a fully operational trading bank.

The company changed its name to Bank of Queensland in 1970 and the following year was listed on the Australian Stock Exchange as a publicly traded company. In 1982, BoQ merged with Bank of Queensland Savings Bank. The 21st Century has been a time of lively expansion for BoQ, with the opening of many branches across the country including in New South Wales, Victoria, and the Australian Capital Territory. In 2002, BoQ bought up ATM Solutions, creating the second largest ATM network in the country.

BoQ is one of the most well established financial institutions in Queensland, operating for over 137 years. After recent mergers with Home Building Society and the Mackay, Queensland-based Pioneer Permanent Building Society, BoQ now has more than 650,000 customers across Australia. The bank has 152 branches in Queensland, 52 in New South Wales, 23 in Victoria and 34 in Western Australia – a total of almost 270.

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Rated 4.8 out of 5 for customer satisfaction.
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