About Bank of Queensland credit cards
Bank of Queensland, or BOQ, is a well-known Australian bank offering a variety of credit cards to suit different financial needs. From low-rate options to rewards and premium platinum cards with added perks, BOQ provides choices for all kinds of spenders. These cards are part of BOQ’s wider range of banking services, making them a handy option if you like keeping your finances in one place.
Types of Bank of Queensland credit cards
BOQ offers a range of credit cards designed to match various preferences. Here’s a look at the main types:
- Low rate credit cards: The BOQ Low Rate Visa comes with a low ongoing interest rate on purchases and a 0% p.a. balance transfer rate for the first 18 months. Pay off your balance in full each month to enjoy up to 55 interest-free days on purchases.
- Rewards credit cards: The BOQ Blue Visa and Platinum Visa are tied to the Q Rewards program, earning you points per dollar on eligible spending. Redeem your points for travel, flights, hotels, merchandise, or gift cards.
- Platinum credit cards: The BOQ Platinum Visa offers 2 reward points per $1 spent on eligible purchases, plus extras like complimentary international travel insurance and extended warranty coverage.
- Business credit cards: BOQ business cards offer low rates, and additional cards for employees, helping business owners (from sole traders to corporates) separate expenses, track spending, and set individual limits.
- Specialist credit cards: BOQ provides unique options for medical professionals with the BOQ Specialist Signature and Platinum cards, tailored to their specific financial needs.
Benefits of Bank of Queensland credit cards
A BOQ credit card comes with several practical advantages:
- Online and mobile banking: Keep tabs on your account anytime using BOQ’s online and mobile platforms. You can check balances, make payments, and find nearby branches or ATMs with ease.
- Digital wallets and contactless payments: All BOQ cards feature Visa payWave for quick tap-and-go payments under $100. You can also link your card to Samsung Pay, Google Pay, or Apple Pay for seamless mobile transactions.
- Complimentary insurance: The BOQ Blue Visa and Platinum Visa offer purchase protection insurance, while the Platinum Visa adds international travel insurance and extended warranty coverage (subject to terms and conditions).
- Account security: BOQ cards are safeguarded by Fraudshield and include 24-hour emergency card replacement in Australia for added confidence.
Eligibility criteria for Bank of Queensland credit cards
To apply for a BOQ credit card, you’ll need to meet these basic requirements:
- Age: Be at least 18 years old.
- Residency: Be an Australian citizen or permanent resident.
- Income: Earn a minimum of $35,000 p.a. for the Platinum Visa, or $25,000 p.a. for the Blue Visa or Low Rate Visa.
Make sure you meet the specific criteria for your chosen card before applying.
How to apply for a Bank of Queensland credit card
Getting a BOQ credit card is simple and can be done online, over the phone, or at a branch. Here’s the process:
- Check eligibility: Confirm you meet the age, residency, and income requirements.
- Gather documents: Have your personal details (name, date of birth, address, etc.), employment info (job status, salary, employer details), and financial details (income, assets, debts, expenses) on hand.
- Apply: Submit your application online in about 20 minutes, call BOQ, or visit a branch.
- Await approval: BOQ will assess your application and let you know the result.
- Activate your card: Once approved, your card will arrive by mail with activation instructions.
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