BOQ (Bank of Queensland) Credit Cards

BOQ (Bank of Queensland) is a provider of credit cards, home loans, personal loans, bank accounts, travel money, investment products, and insurance products.

“It’s possible to love a bank.” (BOQ)

Compare BOQ Credit Cards

If you’re considering a BOQ card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by annual fee (lowest to highest).

Types of BOQ credit cards

There are 3 different types of BOQ credit cards:

  1. Platinum Visa
  2. Blue Visa
  3. Low Rate Visa

All BOQ credit cards offer the following benefits:

  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Contactless payments: Contactless payments are enabled via card with Visa payWave.
  • Emergency travel assistance: Emergency card replacement available within 24 hours in Australia at no cost.
  • Security: Card is protected by Fraudshield.
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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BOQ Platinum Visa

boq platinum visa

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Maximum credit limit: $30,000
  • Minimum income required: $35,000/year
  • Rewards program: Earn Q Rewards points for money spent using the card. Platinum Personalised Rewards program also applies.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Contactless payments: Contactless payments are enabled via card with Visa payWave.
  • Emergency travel assistance: Emergency card replacement available within 24 hours in Australia at no cost.
  • Security: Card is protected by Fraudshield.

BOQ Blue Visa

boq blue visa

Features

  • Card type: Visa
  • Minimum credit limit: $2,000
  • Maximum credit limit: $10,000
  • Minimum income required: $25,000/year
  • Rewards program: Earn Q Rewards points for money spent using the card.
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Contactless payments: Contactless payments are enabled via card with Visa payWave.
  • Emergency travel assistance: Emergency card replacement available within 24 hours in Australia at no cost.
  • Security: Card is protected by Fraudshield.

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BOQ Low Rate Visa

boq low rate visa

Features

  • Card type: Visa
  • Minimum credit limit: $2,000
  • Maximum credit limit: $20,000
  • Minimum income required: $25,000/year
  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Contactless payments: Contactless payments are enabled via card with Visa payWave.
  • Emergency travel assistance: Emergency card replacement available within 24 hours in Australia at no cost.
  • Security: Card is protected by Fraudshield.

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Eligibility to apply for BOQ credit cards

To apply for any of the BOQ credit cards, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Good credit rating.
  • Earn a sufficient taxable income to meet the income requirements listed above.
CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

How to apply for a BOQ credit card

First, check whether you are eligible to apply for a BOQ credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online or call 1300 732 455 (open 24/7). Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by calling 1300 207 541 (open Mon-Fri).

How do I manage my BOQ credit card through online banking?

You can manage your BOQ credit card through online banking. Use online banking to do things like view your recent transaction history, view your balance, and more.

How is interest calculated on my BOQ credit card?

Interest is charged when you carry a balance on your BOQ credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

Up to 44 or 55 interest-free days apply to BOQ credit card purchases (depending on your choice of card). Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a BOQ credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here. You can request an increase to your credit limit by applying through online banking or in-store at a branch.

Yes, you can add additional cardholders to your BOQ credit account when applying for a credit card, or using online banking after receiving your credit card. The credit limit is shared between the primary card and additional cards, but the primary cardholder is responsible for repaying all purchases made using any card linked to the account.

You can close your BOQ credit card account at any time by contacting the Bank of Queensland (BOQ):

  • Credit Cards: Phone 1300 55 72 72 (open 24 hours, 7 days, Mon-Sun) (within Australia) or +61 7 3336 2420 (from overseas)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the Credit Card Financial Hardship Assistance team to get help in making repayments:

If you are closing your BOQ credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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BOQ (Bank of Queensland) was founded in 1874 and remains an independent banking institution today. With more than 200 branches across Australia, in 2015 they opened a second call centre and won the bronze medal at the Contact Centre World Annual Award finals (they were the only Australian finalist).

Source: BOQ – It’s possible to love a bank

BOQ is dedicated to supporting the community and focuses on the health and well-being of our young people. Their Banking On Our Kids appeal raises funds for medical research through the Children’s Hospital Foundations Australia, one of their major community partnerships. Since the partnership began in 2004, BOQ has raised $1.6 million for Children’s Hospital Foundations Australia.

Source: BOQ – It’s possible to love a bank

Since 2008, BOQ has been working to end youth homelessness by supporting the Red Cross. In particular, the Centre for Young People (CFYP) opened in 2012 in Fortitude Valley, Brisbane, and is already making a difference in this community.

BOQ also partners with provides Christmas gifts for more than 12,000 disadvantaged families through The Smith Family’s Toy and Book Appeal. Even better, through the Smith Family, BOQ is able to provide mentoring support and financial scholarships to help Aussie kids break out of the poverty cycle and reach their education potential.

Apart from youth-focussed initiatives, BOQ also has a Dollar-for-Dollar employee gift and fundraising matching program for registered charities. And in 2015, BOQ supported the innovation and start-up community in Brisbane by sponsoring 14 start-up businesses through the River City Labs training program.

As for protecting the environment, BOQ have redeployed 100 unused old computers through an IT amnesty program, and they have been recycling obsolete company mobile phones and computer equipment for some years now. They removed almost 80% of their printers as of 2015, to cut down on the pages they print and the power they use to print it, and printer cartridges and toner are recycled through Cartridges 4 Planet Ark. They also recycle and use recycled products and resources, and they conserve water in their branches and offices.

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Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

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BOQ Low Rate Visa Card

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Rating:
Award: 3-Star Rating - Credit Card

Low Rate Credit Card

Low Rate Visa Card

View the 2016 Credit Card Star Ratings Report

Written by: TJ Ryan | Last updated: January 23, 2017