Card
Offer
BOQ Platinum Visa Credit Card
Public offer
Offer terms
Signup Bonus
100,000 points
BOQ
Minimum Spend
$4,500
within 3 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$75
Ongoing Annual Fee
$149
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Purchase Protection Insurance
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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
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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
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Ability to split purchases into manageable monthly installments over a set term using Instalment Plans feature.
- Balance Transfer Offers
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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
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Up to 44 interest-free days on purchases, unless there is a balance transfer on the account.
- Travel Insurance
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Includes complimentary insurance (terms, conditions, limits and exclusions apply); cover detailed in the BOQ Credit Cards Complimentary Insurance Policy Information Booklet
- Extended Warranty Insurance
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Includes complimentary extended warranties on eligible purchases (terms, conditions, limits and exclusions apply)
- Points Transfer Benefits
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Q Rewards Points can be transferred to Velocity Points
Benefit history
- Travel InsuranceUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$50 per day required
First Year Cost
$75
annual fee
Bonus Value
$290
104,500 points redeemed in Woolworths gift cards
Earn Rate
Average
●●○○1.00x BOQ points per $1
Did this help you make a decision?
Can I get this bonus if I've had a card from BOQ before?
You generally need to wait 12 months after your last BOQ sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to no expiration2 years ago
- Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $4.5K, Bonus Period from 90 to 90, Annual Fee from $129 to $653 years ago
- Offer extended to 30 Nov 233 years ago
- Offer extended to 31 October 20224 years ago
- Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days5 years ago