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Enjoy up to $5k in valuation fees waived plus a $500 Visa e-gift card on new eligible business loan applications. Limited time offer. T&Cs and eligibility criteria apply.¹

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Platinum Rewards Credit Card

Platinum Visa Credit Card

Enjoy the benefits of our most rewarding credit card with Complimentary Insurances1 and our highest Q Rewards® Points earn rate.4

Apply Now

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On 1 October 2026, the Q Rewards® Portal will be undergoing maintenance. During this time, redemptions will not be available online or via our contact centre. We apologise for any inconvenience caused.

Applications for new BOQ Credit Cards will be temporarily unavailable between 30 September 2026 (11:30pm) and 1 October 2026 (9am).

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Offer

100,000 Bonus Points Offer

Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval.6
Annual fee of $75 for the first year, and $149 after that.8
0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee.7 Reverts to Cash Advance rate thereafter.

Apply Now

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Up to 44 days interest free

Interest free period on retail purchases2

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Q Rewards®

Earn 3 Q Rewards® Points per $1 spent on Eligible Transactions at major supermarkets, 2 Points per $1 spent on Eligible Transactions at major restaurants, and 1 Point per $1 on all other Eligible Transactions.22

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Complimentary Insurances

Stay protected against accidental damage and theft with Mobile Phone Insurance.23
Access Purchase Protection and Extended Warranty Insurance.1

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Instalment Plans

Make your repayments in monthly instalments at a fixed rate over a set term.
Learn more about Instalment Plans

Credit card rates and fees

A full list of fees and charges are provided in our Credit Card Rates and Fees page

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Annual fee	$75 for the first year, and $149 after that8
Interest Free Days2	Up to 44 Interest-free days on purchases
Retail purchase rate	21.99% p.a.
Cash advance rate	21.99% p.a.
Minimum Credit Limit	$6,000

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Interest Free Period applies to Retail Purchases if you pay the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer and/or Instalment Plan) in full shown on your statement by the Payment Due Date.

We can’t process balance transfers from certain issuers – see our indicative list.21

Choose how you use your Q Rewards®

Turn your everyday spending into rewards you’ll love with Q Rewards®

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Turn your Q Rewards® Points into Cashback

Your Q Rewards® Points can be redeemed for Cashback, which you can put towards other purchases on your credit card account.4
40,000 Q Rewards® Points will get you $100 cashback.

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Pay with Points

Redeem your Q Rewards® Points to receive a credit back on almost anything. 40,000 Q Rewards® Points equals a $108 credit.20

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Treat yourself with Gift Cards

Redeem your Q Rewards® Points for gift cards from a great range of retailers4 such as Bunnings, Woolworths, Coles, JB Hi-Fi and Myer. 40,000 points will get you a $100 Giftcard.

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Switch your Q Rewards® to Flybuys or Velocity Points

Get even more choices by converting your Q Rewards® Points to Flybuys or Velocity Points.4 Transfer 2 Q Rewards® Points for 1 Flybuys Point, or 4 Q Rewards® Points for 1 Velocity Point.

Ready to apply for your Platinum Visa Credit Card?

To be eligible to apply, you must:

Be 18 years or older
Be a Permanent Australian resident and an Australian resident for tax purposes
Have a valid Australian mobile number and email address
Receive a regular income (you may be asked to provide payslips or bank statements.)
Have a good credit rating

What you’ll need for your application

Your income, debt and expense details
Your Driver Licence number (if you have one)
Your current employment status
Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit
Applying online will take around 20 minutes

Apply Now

Frequently asked questions

Didn’t find what you were looking for? Go to our help and support page to find out more

What is a rewards credit card?

It’s a credit card that offers Points when you make Eligible Transactions4 with your card. You can use these Points to redeem for a range of Rewards.

What can I use my Q Rewards® Points for?

There are a variety of ways your can use your Q Rewards® Points, the choice is yours for what Rewards you’d like to redeem them for:

Cashback for a credit to your account
Pay with Points for a credit to your account on selected transactions
Giftcards from a great range of retailers
Convert your Q Rewards® Points to Velocity Points and use them for travel or Flybuys Points and get even more choice on how to spend them.

How does credit card interest work?

The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments.

How do I apply for a credit card?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 10 minutes to complete if you have all your info on hand, and once approved we'll have your card out to you within 10 working days. We'll need to know your age (minimum age is 18 years), Australian residency status, your driver’s license if you have one and your current financial details, including employment and monthly expense and income details.

How is my credit limit determined?

Your credit limit is determined when we apply our credit assessment criteria to your individual financial situation.

How does the interest-free period work?

You'll enjoy interest-free days on all purchases, providing you repay the full balance on your card each month, excluding any fixed payment option balance which isn’t due for payment by that payment due date.

Interest-free periods also don't apply to cash withdrawals, and you will incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.

Useful Forms and Documents

Didn’t find what you were looking for? Go to our help and support pages to find out more.

Find help

Forms and Important Information

Compare credit cards

If this card isn’t quite what you’re looking for, check out our other rewarding credit cards.

Compare Credit Cards

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1300 55 72 72

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Important information

Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026. If we make changes, these will be communicated in accordance with our terms & conditions.

Fees and charges are payable. NAB's standard credit assessment criteria apply. Terms and Conditions apply and are available here. Offers only available to approved new BOQ Credit Card customers. Introductory offer cannot be used in conjunction with any other credit card offer, including when you take out a Credit Card as part of a home loan package. We reserve the right to continue, withdraw or change the offer at any time without notice. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

1
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the BOQ Credit Cards Complimentary Insurance Policy Information Booklet. Neither NAB nor any of its related corporations guarantee this insurance.
2
An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.
4
Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the Q Rewards® Terms and Conditions for full definitions and details.
6
Offer commenced 6 July 2026. To be eligible for the 100,000 Q Rewards® Bonus Points offer, you must apply for a new BOQ Platinum Visa Credit Card before the offer is withdrawn, be approved, and spend $4,500 or more on eligible purchases within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Purchases must be processed and charged to your account in the 90 day period from account approval to count towards the spend criteria.100,000 Q Rewards® Bonus Points will be credited to your Rewards Points Balance within 60 days of meeting the spend criteria provided that your account is open and in good standing (for example – your account is not in default, suspended or closed). Offer not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer. Offer may be withdrawn or changed at any time.
7
Offer commence Oct 1, 2026 Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, and the balance transfer fee, for a period of 12 months. The 12 month promotional period commences when the balance transfer is processed. The balance transfer fee is 3% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.
8
Subject to your acceptance you will be billed an annual fee of $75 for the first year in accordance with our T&Cs. This will revert to $149 for subsequent years. Annual fees are subject to change. We reserve the right to continue, withdraw or change the offer at any time without notice.
20
Pay with Points is available on eligible transactions and is only available for BOQ Platinum and Blue Visa cardholders. An eligible purchase is a transaction we will present to you in your myBOQ app that can be paid by redeeming your Q Rewards® Points. The types of transactions that may be paid by redeeming your Q Rewards® Points may change and we will present these to you in the myBOQ app.
21
Balance Transfer indicative list
Balance Transfer involves transferring the balance(s) of your other credit cards or loans to a BOQ Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.
Once your balance(s) have been transferred, you might consider closing the other credit facilities you transferred balances from, as this would not happen automatically
When considering a Balance Transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.
Most credit cards or loans from other financial institutions are eligible to have balances transferred to a BOQ Credit Card, provided that the card details match the BPAY reference number details of the financial institution. Where those details do not match, we are unable to process a balance transfer.
We are aware of some financial institutions where card number and BPAY reference number do not match and which as a result are not eligible for a Balance Transfer, including:
- Bendigo Bank
- ING
- Latitude Finance
- Great Southern Bank
- Heritage Bank
- HUMM
- Adelaide Bank
- credit unions
- AMEX cards
  Please note, that this is an indicative list only and may change from time-to-time.
  Balance transfers are not available for Buy Now Pay Later, line of credit, or personal loan products.
22
Whether or not a purchase is eligible to earn Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a “major restaurant” for calculating Points. Eligible Transaction is defined in the Q Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition of Eligible Transaction in the Q Rewards Terms and Conditions.
23
Mobile Phone Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of BOQ Credit Cards. Our/us/we/The BOQ Credit Cards Team means NAB unless the context otherwise requires it. This Cover is available to Cardholders (“you/your”) while you remain an eligible BOQ Platinum Visa Credit Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “BOQ Platinum Visa Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and BOQ are not the issuer or insurer of the Cover. Neither NAB, BOQ nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

For Target Market Determinations please refer here.

Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Bank of Queensland Credit Cards (“Credit Cards”). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. In relation to credit cards, “our”, “us”, “we”, and/or “The BOQ Credit Cards Team” means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

Click to Pay is auto enabled by NAB on BOQ Credit Cards.

Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to Click to Pay Terms and Conditions

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BOQ Group acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the land where we live and work. We pay our respects to Elders past and present.

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Source: https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf

1 Q Rewards ® Terms and Conditions October 2026 Primary Use Rev

2 Contents 1 Definitions 3 2 Participation 6 3 Accumulation of Reward Points 7 4 Limitations on and Loss of Reward Points 8 5 Redeeming Reward Points 9 6 Giftcards 10 7 Cashback 10 8 Pay with Points 1 0 9 Airline, Hotel and Other Loyalty Programs 1 1 10 Autoredemption 1 1 11 Disclaimer 1 2 12 Government Taxes, Duties and Charges 1 3 13 General 1 3 Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Bank of Queensland Credit Cards (“Credit Cards”). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. Our/us/ we/The BOQ Credit Cards Team means NAB. NAB is also the provider of the rewards program in these terms and conditions. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

3 For all customers participating in Q Rewards ® These Terms and Conditions should be read in conjunction with the Credit Card Terms and Conditions and Other Important Information and explain how Points can be earned and redeemed using your Account. These Terms and Conditions will apply to Cardholders of BOQ Platinum Visa Credit Card and BOQ Blue Visa Credit Card Accounts. 1 Definitions In these Terms and Conditions: Account means your unsecured credit facility with us. Additional Cardholder means another person who you have authorised to have a Card on your Account. Airline, Hotel and/or Other Loyalty Points means Points earned or capable of redemption under an Airline, Hotel or Other Loyalty Program. Airline, Hotel and/or Other Loyalty Program means any participating loyalty program operated by a third party which has been nominated by us in writing. Autoredemption is the automatic redemption of Reward Points with a selected participating partner, as set out in section 10. Bonus Points means Points available through offers subject to additional terms and conditions. Cardholder means you and/or any Additional Cardholder. Cashback means the redemption of Points for a credit to your Account reducing your outstanding balance. Consequential Loss means any loss or damage suffered by a party which is indirect or consequential, loss of revenue, loss of profits, loss of goodwill or credit, loss of use, loss of data, damage to credit rating, loss or denial of opportunity, or increased overhead costs.

4 Earn Rate means the rate at which you earn Reward Points on Eligible Transactions, as set out in clause 3.1. Eligible Transaction means any purchase excluding (but not limited to): a) Cash Advances (which include bills paid over the counter at a bank, financial institution or post office, and the purchase of travellers cheques); b) bank fees, charges and interest (including any GST payable on any of these) applicable to your Account or use of the Card or to Q Rewards®; c) government related transactions (includes transactions with Australian and overseas government entities, semi-government entities, or related agencies - for example, but not limited to, Australia Post, council rates, motor registries, fines, and court costs). Classification as a government related transaction is based on merchant or financial institution data, so some businesses may be treated as government related even if they are not; d) transactions where a Card is used to make payments to the Australian Taxation Office (ATO); e) Balance Transfers, except where Bonus Points may be earned under a Special Promotion specifically for Balance Transfers according to additional terms and conditions; f) transactions related to Special Promotions, except where Bonus Points may be earned under a Special Promotion according to additional terms and conditions; g) where a Card is used to access linked transaction accounts; h) purchase of foreign exchange, travellers cheques or money orders; i) transactions we decide (acting reasonably) are wholly or partly for business purposes;

5 j) any transactions where your Account is, or is reasonably believed by us to be, operated fraudulently, except where you reasonably demonstrate that your Account was not operated fraudulently; k) unauthorised purchases for which you are not liable; l) transactions where a Card is used to make purchases through BPAY®; m) transactions for gambling and gaming purposes (examples include purchase of lottery tickets, purchase of gaming chips or tokens and online gambling); or n) transactions for investments, such as investments in shares. Please note that whether or not a transaction is an eligible transaction will be determined based on information provided either by the merchant or the relevant financial institution (including information about the type of business conducted by the merchant). Giftcards are redeemable across selected merchants and may be issued by third parties. Internet Banking means the online services provided by BOQ that permit Cardholders to access certain Account services via the internet, through the myBOQ app or other digital channels that we tell Cardholders can be used to access your Account. NAB/our/us/we/The BOQ Credit Cards Team means National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686), the credit provider and issuer of BOQ Credit Card Products. Pay with Points means to redeem a nominated number of Points via Internet Banking against certain transactions presented to and selected by you for a credit back to your Account. This may not be available for all transactions on your Account.

6 Primary Cardholder means the person in whose name the Account is held and who is responsible for all transactions on the Account. Q Rewards® means the rewards program offered by us as described in these Terms and Conditions and in promotional material as amended from time to time. Reward Points or Points are the points earned on Eligible Transactions. Reward Points Balance is the current balance of your Reward Points at any given time which appears in Internet Banking. Reward means the goods and services described in the current promotional material or otherwise offered by Q Rewards® from time to time and includes Giftcards, Cashback, Pay with Points and Points transfer to Airline, Hotel or Other Loyalty Programs. you/your means the person in whose name the Account is opened. Any other capitalised terms used in these Terms and Conditions have the same meaning as in the Credit Card Terms and Conditions and Other Important Information. 2 Participation 2.1 You are eligible to participate in Q Rewards® unless your Account does not entitle you to participate, or you are a corporation, firm, partnership or any other such legal entity. 2.2 The first use (which includes an Eligible Transaction, Card activation or a payment to the Account) of your Account will constitute agreement to these Terms and Conditions. These Terms and Conditions form part of the Credit Card Terms and Conditions. 2.3 Additional Cardholders are not eligible to participate in Q Rewards®, unless otherwise specified in these Terms and Conditions. However, you are able to earn Points on Eligible Transactions made by Additional Cardholders.

7 3 Accumulation of Reward Points 3.1 Reward Points are calculated in respect of Eligible Transactions as set out below and are based on the Australian Dollar amount of the Eligible Transaction at the time it is processed by us, rounded to the nearest whole point. Card Earn Rate BOQ Blue Visa Credit Card 1 Point per dollar spent on an Eligible Transaction. BOQ Platinum Visa Credit Card 3 Points per dollar spent on an Eligible Transaction made at major supermarket chains.^ 2 Points per dollar spent on an Eligible Transaction made at major restaurant or restaurant chains.^ 1 Point per dollar spent on an Eligible Transaction everywhere else. ^Whether or not a purchase is eligible to earn Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a “major restaurant” for calculating Points. 3.2 It will take up to 60 days after an Eligible Transaction has been processed by us for Reward Points to be allocated to you, or such other period as we may, acting reasonably, communicate to you from time to time.

8 3.3 You may also earn Bonus Points subject to any additional terms and conditions we may provide at the time of a particular transaction or offer. 3.4 Except where these Terms and Conditions or a Reward expressly permits, Reward Points have no monetary value, are not transferable and cannot be redeemed for cash. 3.5 You can view your Reward Points Balance via Internet Banking. 4 Limitations on and Loss of Reward Points 4.1 You will only earn Reward Points on Eligible Transactions, or as otherwise advised according to any additional terms and conditions. 4.2 If you, or an Additional Cardholder, receive(s) a refund or reimbursement (for example returned goods or services), a Chargeback is made to your Account, or where Points were incorrectly credited, the reversed transaction or incorrectly credited Points will be deducted from your Reward Points Balance. 4.3 From the time you ask us to close your Account, you will no longer be able to earn or redeem Reward Points. 4.4 We may, acting reasonably, suspend or terminate your participation in Q Rewards® if: a) your Account is suspended under the Credit Card Terms and Conditions; b) in our reasonable opinion, any Cardholder has materially breached these Q Rewards® Terms and Conditions or the Credit Card Terms and Conditions including but not limited to earning Reward Points by claiming business purchases on your personal Account; or c) if we receive notification that you have passed away.

9 4.5 If you are in breach of your Credit Card Terms and Conditions and your Account is suspended or cancelled, your Reward Points Balance will be frozen, you will not earn Points on Eligible Transactions, and you will not be able to redeem Reward Points. If your Account is returned to good standing, we will reinstate your right to participate in Q Rewards® unless we reasonably believe that the Reward Points were not properly earned. 4.6 If we notify you that your Account is no longer suspended (including because your Account suspension has been lifted), your Reward Points Balance will be reinstated from the date your suspension ends. 4.7 Disputes about missing Reward Points (including where the dispute concerns your participation in Q Rewards®) will only be accepted up to 12 months after the date of the relevant Eligible Transaction. We may, acting reasonably, require you to provide documentary evidence to support your claim. 5 Redeeming Reward Points 5.1 Pursuant to these Terms and Conditions and any additional terms and conditions made available to you either by us or the supplier of a Reward, you may redeem Rewards Points for Rewards options we, acting reasonably, provide to you via Internet Banking. We are not liable for any representation that we make as to the monetary value of any Reward or the difference between the number of Reward Points required to redeem similar Rewards. 5.2 The Reward Points you redeem will be deducted from your Reward Points Balance. 5.3 An Additional Cardholder cannot redeem Reward Points. 5.4 All Rewards are subject to availability and third party suppliers’ restrictions.

10 5.5 We will only arrange for supply of a Reward that corresponds with the Reward’s description in any promotional material. 5.6 Once a Reward has been redeemed the request cannot be reversed, cancelled or changed. 6 Giftcards 6.1 Upon redemption of a Giftcard, we or the Reward supplier will issue you with the Reward which will entitle you to redeem the Giftcard directly with the relevant supplier. You must abide by the terms and conditions provided to you upon issuance of the Reward for the Giftcard. 6.2 Giftcards remain valid in accordance with the dates specified by the supplier on the Giftcard. 6.3 Giftcards may not be replaced by the issuer if lost, stolen or destroyed. Nor can Reward Points for lost, stolen or destroyed Giftcards be credited to your Account. 7 Cashback 7.1 You may redeem your Reward Points for Cashback. The amount of any Cashback is set off against the outstanding balance of your Account on your next statement. To keep your Account in order, you must disregard the amount of any Cashback redemption and make all payments as set out in your Account statement. 8 Pay with Points 8.1 You may use your Points to pay for certain selected transactions that we present to you via Internet Banking or any other method we make available to you.

11 8.2 Only selected transactions that you have made and that we present to you can be redeemed using Pay with Points. You must follow the instructions where you are provided with the option to pay for a selected transaction with your Points. We will process that credit to your Account within 5 Business Days. 8.3 Using Pay with Points for a selected transaction does not satisfy your obligation to make the payment due on your Account statement. To keep your Account in order, you must disregard the amount of any Pay with Points redemption and make all payments as set out in your Account statement. 9 Airline, Hotel and Other Loyalty Programs 9.1 You can redeem Points for Airline, Hotel or Other Loyalty Points, as specified in our current promotional material. The types of Airline, Hotel or Other Loyalty Points that we offer may change over time because of decisions taken by the loyalty program operator. Please refer to Internet Banking for details of which Airline, Hotel and Other Loyalty Points are currently offered. 9.2 You must be a member of the Airline, Hotel or Other Loyalty Program in which you wish to claim Airline, Hotel or Other Loyalty Points and have advised us of your Airline, Hotel or Other Loyalty Program membership number prior to any such redemption. 9.3 If you are a member of the Airline, Hotel or Other Loyalty Program, you are subject to the terms and conditions of the Airline, Hotel or Other Loyalty Program. 9.4 If you redeem Reward Points for Airline, Hotel or Other Loyalty Points, the Airline, Hotel or Other Loyalty Points may take up to 60 days to appear in your Airline, Hotel or Other Loyalty Program membership account.

12 10 Autoredemption 10.1 Autoredemption may be available for selected participating partners and can be setup via Internet Banking. This is subject to the terms and conditions of Autoredemption with the selected participating partner, which will be made available at the time of redemption opt in. 10.2 If you opt in to Autoredemption, your Reward Points Balance will be automatically transferred to the selected participating partner at a pre- determined interval advised at the time of redemption opt in. 10.3 The rate at which Reward Points are redeemed will be the current rate at the time of which Autoredemption occurs. 10.4 You may opt out of Autoredemption at any time and will be able to resume manual redemption of your Reward Points. 10.5 Once Reward Points have been redeemed for a selected participating partner, including Airline, Hotel or Other Loyalty Points, they are governed by the participating partner’s terms and conditions. 11 Disclaimer 11.1 We do not accept any liability relating to information provided by third parties. All descriptions of Rewards in promotional material are based on information provided by third party suppliers. 11.2 The rights, if any, which you may have in connection with a Reward are solely against the third party supplier of the Reward. To the extent permitted by law, we do not accept any liability whatsoever (except to the extent such loss or damage is caused by our fraud, negligence or misconduct) with respect to: a) a Reward supplied;

13 b) any death or injury or Consequential Loss or damage arising from the supply of a Reward; c) the loss, theft or destruction of a Reward; or d) any supplier’s refusal to accept a Reward. 12 Government Taxes, Duties and Charges 12.1 We accept no liability in respect of any taxation liability (including Goods and Services Tax) arising from the redemption of Rewards. 12.2 We give no warranty and accept no responsibility as to the ultimate taxation treatment of Rewards or Reward Points. You will need to check with your tax advisor whether receiving a Reward affects your tax situation. 12.3 Any government tax (including Goods and Services Tax), duty or other charges imposed by law in any country in respect of participation in Q Rewards® whether arising out of the accrual or redemption of Reward Points or in relation to the annual fee or otherwise shall be your sole responsibility. 13 General 13.1 You consent to us or one of our agents seeking, collecting, using or supplying any third party with such personal and other information as is required in connection with Q Rewards®. 13.2 We will exercise any rights or discretions that we have under these Terms and Conditions in a fair and reasonable manner. That includes whenever we are: a) considering any request you make;

14 b) deciding whether to give our consent or to exercise a right, discretion or remedy; c) setting any conditions for doing any of those things; or d) making changes under clause 13.3 or anywhere else in these Terms and Conditions. Examples of how we will take reasonable steps to ensure you are treated fairly include giving you reasonable notice of changes and making adjustments to your Points. It’s worth noting that even if we don’t make a decision or do something straight away, we may still do so later on. This includes where we delay or defer doing so, or we temporarily waive a requirement. 13.3 We may change any of the Terms and Conditions of our agreement without creating a new agreement. We’ll tell you about these changes by communicating with you, unless in some scenarios where we may not be required to notify you. The table below outlines the different types of changes we may make and when you will be notified. You are free to close your Account if you’re not happy with any changes we make.

15 Type of Change When you’ll be notified Change the way Points are earned, including a change to existing ways or the introduction of new ways according to the type of card At any time without prior notice (but if the change is unfavourable, we will try to publish details before the change takes effect, if we are able to do so). We will make current information about the way to earn Points available in the FAQs. Change the way Points are redeemed, including the number of Points required to redeem a Reward or changing any fees associated with a redemption At any time and without prior notice. Current information is available via Internet Banking. Change to allocation of Points for dollar spent At any time by giving you at least 30 days' prior written notice. Change the period of expiry of Points At any time by giving you at least 30 days' prior written notice. Changes that are non-material in nature If we do not need to notify you, we may give you a shorter notice period than the period described in this table. This will be published on the website or otherwise notification provided at the time a Reward redemption is made.

16 Type of Change When you’ll be notified Changes to third party points (such as Airline, Hotel and Other Loyalty Points) Subject to change in accordance with the terms and conditions of that program. You’ll be notified directly by the third party program provider. Introduce any fees associated with a redemption At any time by giving you at least 30 days' prior written notice. Introduce or change program features and specific rewards conditions At any time by giving you at least 30 days' prior written notice. Make changes as a result of changes made by our suppliers or partners At any time by giving you at least 30 days' prior written notice. Remove Rewards At any time and without prior notice. Current information is available via Internet Banking.

17 Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Bank of Queensland Credit Cards (“Credit Cards”). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. Our/us/ we/The BOQ Credit Cards Team means NAB. NAB is also the provider of the rewards program in these terms and conditions. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards. A185169-0826 Primary Use Secondary Use For more information: Visit us at www.boq.com.au/contact-us If you are calling from within Australia 1300 55 72 72 If you are calling from outside Australia +61 7 3336 2420

Source: https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards

Credit card rates and fees summary

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BOQ Platinum Visa Credit Card

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BOQ Blue Visa Credit Card

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BOQ Low Rate Visa Credit Card

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All Cards, Platinum Visa Credit Card

All Cards, Blue Visa Credit Card

All Cards, Low Rate Visa Credit Card

Annual fee

$149. Annual fees are subject to change.

$89. Annual fees are subject to change.

$65. Annual fees are subject to change.

Retail purchase rate

21.99% p.a.

13.99% p.a.

Interest free days on the Retail Purchase Balance

Up to 44

Up to 55

Cash advance rate

21.99% p.a.

Balance transfer rate on all cards

Reverts to the cash advance rate at end of the offer period.

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Learn more

Fees common across all our credit cards

Annual fee{grey-column}

How are Annual Fees charged?

We will charge the Annual Fee to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including a Balance Transfer) occurs. After that, it will be debited each year on the last day of the Statement Period in which anniversary of the day we approved your Account occurs.

You will be charged an Annual Additional Cardholder Fee for each Additional Card on your Account, with the exception of Platinum Visa cards, where no Annual Additional Cardholder Fee will be charged for Additional Cardholders on your Account. The Additional Cardholder Fee is charged to your Account on the last day of the Statement Period in which an Additional Cardholder is added to your Account or on first use of the Account (whichever is later) and may be calculated pro rata if conditions are met. After that, the Annual Additional Cardholder Fee will be charged per Additional Cardholder each year on the same day as your Annual Fee. Your Financial Table sets out more detail about how this fee is charged.

Cash Advance Fee - Domestic

$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.

Cash Advance Fee - International

1.5% of the transaction amount for a Cash Advance outside of Australia, minimum of $4, maximum amount $30, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

Daily Cash Limits

A daily limit of $1,000.00 (subject to Available Credit) applies to your Account for Cash Advances made using a Card to withdraw cash at an ATM, any Australia Post outlet displaying the Bank@PostTM symbol or over the counter at any bank in the world that displays the VISA symbol.

International Transaction Fee

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

foreign currency once converted to Australian dollars; and/or
Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

Note: It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

Late Payment Fee

$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

Note: This means that you will be charged the fee once for each Statement Period (typically monthly).

You can avoid accidentally incurring a Late Payment Fee by setting up a direct debit. The Direct Debit (Autopay) form can be found here. It provides you with the option to setup an automatic payment on your Payment Due Date for your Total Minimum Payment Due, the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer or Instalment Plan), or a fixed amount.

ATM Fees

When you use your BOQ Credit Card at an ATM other than a BOQ ATM, you may be charged a fee by the operator of the relevant ATM network. Any such fee will be disclosed to you before you proceed with the transaction, and you will have the opportunity to cancel the transaction without incurring a fee if you do not wish to proceed.

Over-the-Counter Fee (Bank@Post)*

$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.

Paper Statement Fee

$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.

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Important Information

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BOQ Platinum Visa Credit Card (Home loan with BOQ)

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card

We've got your back with $2k cashback

Bank of backing your next business move

Platinum Visa Credit Card

100,000 Bonus Points Offer

Up to 44 days interest free

Q Rewards®

Complimentary Insurances

Instalment Plans

Credit card rates and fees

Choose how you use your Q Rewards®

Turn your Q Rewards® Points into Cashback

Pay with Points

Treat yourself with Gift Cards

Switch your Q Rewards® to Flybuys or Velocity Points

Ready to apply for your Platinum Visa Credit Card?

Frequently asked questions

What is a rewards credit card?

What can I use my Q Rewards® Points for?

How does credit card interest work?

How do I apply for a credit card?

How is my credit limit determined?

How does the interest-free period work?

Useful Forms and Documents

Compare credit cards

We're here to help.

Call us

1300 55 72 72

Contact us

Get in touch

Visit

Find a branch or ATM

Important information

Source: https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf

Source: https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards

Credit card rates and fees summary

BOQ Platinum Visa Credit Card

BOQ Blue Visa Credit Card

BOQ Low Rate Visa Credit Card

Fees common across all our credit cards

Compare credit cards

Important Information