BOQ Blue Visa Credit Card

BOQ Blue Visa Credit Card

What do you want this card for?
Save money
Earn points
Offer
Card features
balance transfer
purchase rate
annual fee
Apply
BOQ Blue Visa Credit Card
Apply by 31 oct 20
5 reviews
BOQ Blue Visa Credit Card
Enjoy 0% p.a. for 18 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.
Add to comparison
18 months
0% p.a.
then 21.74%
with a 0% fee
20.74% p.a.
ongoing
$60
ongoing

Pros & cons

What's good?

What's not so good?

Enjoy 0% p.a. for 18 months on Balance Transfers with no balance transfer fee (reverts to cash advance fee).
Earn 1 pt per $1 spent with Q Rewards. And because it’s Visa, you can use it practically anywhere cards are accepted.
Transfer credit card debt and get 18 months at 0% p.a.
Add up to 4 additional cardholders to your account to maximise rewards potential.
Low cost annual fee.
At $10,000, the maximum credit limit could inhibit big spenders from their full rewards earning potential.
It costs $15 p.a. for every additional card added to the account.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.2 out of 5.0 based on 5 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Super easy

Reviewed and recommended by Nicholas on 23 Aug 2016

I have only recently started using my BOQ Blue Card and it has been super easy. I’ve managed to cover all my bills and debts and been able to pay back everything within the 44 days interest-free period. I am concerned about going over the 44 days interest-free period as fees are high and the yearly fee is quite high, but I am happy with Bank of Queensland and I would recommend them.

Rewards add up pretty quickly

Reviewed and recommended by Deb on 13 Jul 2016

It is easy to apply by going into a branch or by calling, because there aren’t too many branches out there. I use my points all the time to get shopping vouchers, which is pretty handy. It is easy to pay off as well. The credit card probably doesn’t have the best interest rate though.

I love Bank Of Queensland

Reviewed and recommended by Christina on 10 Sep 2013

They have great rates and are always willing to help anyway they can. They were very quick to approve me and it doesn’t send me broke paying interest. I always get a person to talk to and they are very helpful. I have recommended Bank of Qld to anyone who has asked me which bank to switch to.

The card I trust

Reviewed and recommended by Colin on 12 Aug 2013

When I received this card it was like others until I lost my cards, went into the bank they immediately had me ready to receive another card and ensured that savings card lost immediately replaced. I travel overseas I the statements are accurate and easy to follow where I shopped.

Quite happy with this card and rewards offered

Reviewed and recommended by Kristmas on 23 Jul 2013

We have this card in case of emergency. It gets used for Internet purchases, which comes in handy as I use it for my partner’s work. It is handy when away from home and need that little bit of extra money to fall back on. It is useful to pay for hotel and motel rooms when you need to pay ahead.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$25,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
Q Rewards
Temporary residents
N/A

Cardholders

Additional cardholders
4
Additional card fee
$15 p.a.

Credit limits

Minimum credit limit
N/A
Maximum credit limit
$10,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 44 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.18 months0%80% of credit limit21.74% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the BOQ Blue Visa Credit Card at the promotional balance transfer rate from:

  • Bank of Queensland
  • IMB
  • Suncorp
  • Virgin Money

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.18 months0%80% of credit limit 21.74% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.81% 21.74% p.a.
Purchases 1.73% 20.74% p.a.

Fees

Annual fee
$60 p.a.
Cash advance fee
3.50%
Dishonour fee
$10
Duplicate statement fee
$7
Foreign exchange fee
3.4%
Late payment fee
$30
Over limit fee
$40
Overseas ATM balance fee
$4
Overseas ATM withdrawal fee
$4
Overseas emergency card replacement fee
N/A
Transaction verification fee
$7

Rewards & points

Rewards program basics

First purchase bonus
N/A
Reward points expiry
N/A
Rewards program
Q Rewards
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
N/A
Overseas earn rate
Same as standard earn rate
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
N/A
Complimentary flight voucher
No
Concierge service
No

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $25,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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