Card
Offer
BOQ Platinum Visa Credit Card (Home loan with BOQ)
For existing customers
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
Free
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
Free
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 →No annual fee on your credit card while home loan is with BOQ.
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 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 $45K3 years ago
- Offer extended to 30 Nov 233 years ago
- Offer extend to 31 July 20233 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 20224 years ago
- Home Loan bonus increased from 40k to 70k points, spend lowered for home loan bonus4 years ago
- Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days5 years ago