BOQ Blue Visa Credit Card

On website

BOQ Blue Visa Credit Card

Balance transfer

20 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$60.00 p.a. ongoing

Highlights

  • Benefit from a 0% p.a. rate for 20 months on Balance Transfers, accompanied by no balance transfer fee (reverting to cash advance fee thereafter).
  • Accrue points within the Q Rewards program.
  • Avail of the guaranteed pricing scheme for your purchases.
  • Enjoy up to 44 days on purchases.

Pros and cons

Pros

  • Earn rewards points on every dollar spent with no cap.
  • 0% balance transfer for 20 months.
  • No balance transfer fees.

Cons

  • Interest-free period is relatively short, at 44 days.
  • $15 charge per additional card.

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

The basics

  • Additional cardholders. You can add up to 4 additional cardholders for $15 each. All the account holders will be jointly responsible for managing the account and repayments.
  • Digital wallets. This card supports Apple Pay, Google Pay and Samsung Pay.
  • Gambling transactions. Gambling transactions are not permitted on the BOQ Blue Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. This card does not come with complimentary international travel insurance.
  • Concierge services. The BOQ Blue Visa Credit Card does not offer a concierge service.
  • Insurances. Cardholders get fraud protection, purchase protection insurance, and price protection insurance.
  • Rewards points. The BOQ Blue Visa Credit Card offers 1 Q Rewards point for every eligible dollar spent in Australia. Points can be redeemed for flights, hotels, gift cards, and other rewards. Points are not capped and do not expire.
  • Sign up bonus. Bank of Queensland does not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. The annual fee for this card is $60 p.a., which is quite cheap for a rewards card.
  • Balance transfers. The Bank of Queensland Blue Visa Credit Card offers a 0% balance transfer for 20 months and an 80% balance transfer limit. There is no fee for the balance transfer. Any remaining balance left after 18 months will revert to the standard cash advance rate.
  • Cash advances. When you use your BOQ Blue Visa Credit Card for cash advances, you'll be charged interest at 21.74% p.a., starting from the day you make the withdrawal. When making a cash advance with this card, a one-off fee of 3.5% will be charged in addition to the interest rate.
  • Foreign exchange fee. Purchases made online or while travelling overseas in a foreign currency will be subject to a 3.4% foreign transaction fee.
  • Interest-free period. With the BOQ Blue Visa Credit Card, you can enjoy up to 44 days interest-free on purchases, excluding cash advances, when you pay off your balance on time or make the minimum required payments.
  • Purchases. With no introductory offer on purchases, the ongoing interest rate of 20.74% p.a. will apply to any purchases made with the BOQ Blue Visa Credit Card.

account

Reviewed by Credit Card Compare Staff

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

Quite happy with this card and rewards offered

Reviewed by Kristmas


The card I trust

Reviewed by Colin


I love Bank Of Queensland

Reviewed by Christina


Rewards add up pretty quickly

Reviewed by Deb


Super easy

Reviewed by Nicholas


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