BOQ Platinum Visa Credit Card (Home loan with BOQ)
$0 first year annual fee
100,000 points
$6,000 min limit
$35,000 annual income required
2.00 points per dollar
Spend $4,500 in 90 days
- No annual fee
No annual fee on your credit card while home loan is with BOQ.
Summary
No Annual Fee
Key Highlights
- • 100,000 bonus points
- • No annual fee
- • 2.00x points per $1
Notes
No annual fee on your credit card while home loan is with BOQ.
Offer Details
Signup Bonus
100,000 points
BOQ
Minimum Spend
$4,500
within 3 months
Ongoing Earn Rate
2.00x points per $1 spent
Fees
No fees disclosed
Check with issuer for complete fee structure
Benefits
Travel Insurance
Complimentary international and domestic travel insurance with the Platinum Visa Credit Card for cardholder and family travel, subject to terms, conditions, exclusions, limits, and sub-limits.
Purchase Protection Insurance
Coverage for lost, stolen, or damaged goods within 90 days of purchase for card members, subject to terms, conditions, limits, and exclusions.
No Annual Fee
No annual fee on a new Platinum Visa Credit Card while the cardholder has a home loan with BOQ. This offer is available only in branch and not in conjunction with other offers.
Installment Plans
Ability to split purchases into manageable monthly installments over a set term using Instalment Plans feature.
Balance Transfer Offers
0% p.a. balance transfer for 12 months with a 1% balance transfer fee. Other balance transfer offers include 6 months at 0% p.a. with 1% fee and 18 months at 0% p.a. with 2% fee, subject to terms.
Interest Free Periods
Up to 44 interest-free days on purchases, unless there is a balance transfer on the account.
Points Transfer Benefits
Ability to convert Q Rewards points to Flybuys or Velocity Points. Points transfer is only available on the BOQ Platinum Credit Card.
Expert Analysis
Bonus Difficulty
Easy
●○○$50 per day required
First Year Cost
Free
annual fee
Earn Rate
Excellent
●●●●2.00x BOQ points per $1
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 109,000 bonus points for:
$300 of profit after meeting spend requirements
+ $300 Woolworths gift cards
- $0
annual fee
$200
x 1
$100
x 1
in Woolworths gift cards, $300 total, with 1,700 points remaining.
$200
x 1
$100
x 1
in Coles gift cards, $300 total, with 1,700 points remaining.
History
22/01/2025
4 changes
Successfully Scraped At:
27/08/2025
Minimum Credit Limit:
6,000
Minimum Income:
35,000
Interest Rate:
2120.99
- Expiration changed from 30/04/24 to no expirationa year ago
- Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $45K2 years ago
- Offer extended to 30 Nov 232 years ago
- Offer extend to 31 July 20232 years ago
- Extra home loan bonus removed of 70k Q Reward points removed, annual fee $0 from first year only, to every year, offer extended to 31 October 20223 years ago
- Home Loan bonus increased from 40k to 70k points, spend lowered for home loan bonus3 years ago
- Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days4 years ago
