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BOQ Platinum Visa Credit Card (Home loan with BOQ)

Snapshot 124 · Offer 2013 · Offer status now: active

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We’ve activated our Emergency Special Relief Assistance for those impacted by Regional NSW Flooding

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Back to Credit Cards

Platinum Visa Credit Card

Enjoy the benefits of our most rewarding credit card. Enjoy exclusive travel perks including complimentary insurances and our highest Q Rewards® points earn rate.

Latest offers

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Platinum Visa Credit Card

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Everything you need with all of the BOQ Platinum Visa Credit Card benefits including:

2 Q Rewards® points for every dollar spent on eligible transactions, purchase protection insurance, international and domestic travel insurance and more.

Important changes to Complimentary Insurances on the BOQ Platinum Credit Card

International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance will no longer be available from 15 May 2026. Find out more here

Credit card rates and fees

0% p.a.

Balance transfer for 12 month. 1% Balance transfer fee applies.

$1 = 2 Points

Earn 2 Q Rewards® points on every dollar spent on eligible purchases

44

Interest free period up to 44 days

Travel Insurance

International and domestic travel insurance

Platinum Visa Credit Card Offers & Rewards

earn q rewards® points and enjoy perks

100k bonus Q Rewards® Points

Take out a BOQ Platinum Visa Credit Card and spend $4,500 on Eligible Transactions in the first 3 months from card approval to receive 100k bonus Q Rewards® points.

With a BOQ Platinum Visa Credit Card, you can also enjoy:

  • Two Q Rewards® points for every dollar spent on Eligible Transactions
  • Half Annual Fee of $75 for the first year and $149 p.a. after that

Apply now

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Learn more about Q Rewards® Points

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Credit Card rates and fees

Annual fee$149
Balance Transfer Rate0% p.a for 12 months on Balance Transfers, with a 1% Balance Transfer fee. Reverts to Cash Advance Rate, you will be charged interest on retail purchases while you have a balance transfer
Interest Free DaysUp to 44 interest-free days on purchases, unless you have a balance transfer
Purchase Rate20.99 % p.a.
Cash Advance Rate21.99 % p.a.
Visa PrivilegesVisa Platinum
Credit Limit Range$6,000 - $100,000
Minimum Income$35,000

A full list of fees and charges are provided in our Credit Card Fees and Charges Guide.

Choose how you use your Q Rewards®

No matter which Platinum Visa Credit Card offer you choose, you can earn two Q Rewards® points on every dollar spent on Eligible Transactions.Choose how you'd like to redeem yours.

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Turn your credit card points into cash

Something for your wallet: your points can become cashback rewards to your account.

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Wipe a Credit Card purchase

Pay it off with points: redeem for a statement credit back against eligible purchases when you use Select and Credit.

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Treat yourself – or someone else

Redeem for eVouchers from great retailers including Coles, BP, Bunnings and more.

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Switch your Q Rewards® for Flybuys or Velocity Points.

Get even more choice: you can convert your points to Flybuys or Velocity Points.

Points Transfer is only available on the BOQ Platinum Credit Card.

How to

redeem your Q Rewards®
points

To redeem your Q Rewards® points, you can follow these steps:

  1. Log in to your BOQ Internet Banking
  2. Select your credit card account number
  3. The Q Rewards® / Other Card Functions button will appear on the next page
  4. Choose the item or reward you want to redeem your points for and follow the prompts to complete your redemption request

Remember that there are no hidden fees, no caps and no expiry on your Q Rewards® points.

More reasons to choose a Platinum Visa Credit Card with BOQ

Enjoy more benefits

[Image: Icon international travel insurance]

International and Domestic Travel Insurance

Complimentary travel insurance with the Platinum Visa Credit Card when you and your family travel (terms, conditions, exclusions, limits, and applicable sub-limits apply).

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Purchase Protection Insurance

Card members are covered for lost, stolen or damaged goods within 90 days of purchase (terms, conditions, limits and exclusions apply).

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Home loan with BOQ?

Pay no annual fee on a new Platinum Visa Credit Card while your home loan is with us.This offer is only available to apply for in branch, locate your closest one here.

Not available in conjunction with any other website or special offers.

[Image: Icon installment plans]

Instalment Plans

With Instalment Plans, you can split your purchase into manageable monthly installments over a set term.

Learn more about installments.

Ready to apply for your Platinum Visa Credit Card?

To apply for the Platinum Visa Credit Card, you must:
  • Be at least 18 years of age
  • Have a good credit rating
  • Earn a taxable income of $35,000 per year or more
  • Be a permanent Australian resident or citizen
What you'll need for your application
  • Your income and expense details
  • Your driver's license number
  • Your employment details
  • Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
Applying online will take around 10 minutes

Offer: 100k bonus Q Rewards® Points

Apply: Q Rewards®Offer

Call us:

1300 55 72 72

If you have saved your application:

Load saved application

Important Information

Handy tools

[Image: Icon repayment options] Know your credit card repayment options Learn about repayment options

[Image: Icon manage my credit card application] Manage my credit card application Access & manage your application

[Image: Icon compare credit cards] Compare credit cards Start comparing here

Not quite what you’re looking for? Learn about our other credit cards.

Blue Visa Credit Card

Balance Transfer Offer

Earn 1 Q Rewards® point for each dollar spent on Eligible Transaction and redeem them for a range of options like evouchers, cashback and pay with points.

[Image: platinum visa credit card]
  • 0% p.a. on balance transfers for 6 months. 1% balance transfer applies. Reverts to cash advance rate thereafter. You will be charged interest on retail purchases while you have a balance transfer

Apply now Learn more

Save with lower interest rates

Low Rate Visa Credit Card

If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.

[Image: platinum visa credit card]
  • 0% p.a. balance transfer for 18 months with 2% balance transfer fee (reverts to cash advance rate thereafter). You will be charged interest on retail purchases while you have a balance transfer

Apply now Learn more

  • What is a rewards credit card?
    It is a credit card that offers rewards or benefits when you make eligible purchases with your card. These can include cashback, points that can be redeemed for vouchers. and other rewards.

  • Where can I use my rewards points?
    With the BOQ Q Rewards®, there are a variety of ways you can use your points. You can:

    • Redeem them for cashback to your account
    • Use your points to pay off eligible purchases
    • Redeem your points for eVouchers from retailers including Coles, BP, Bunnings & more
    • Convert your points to Velocity Points and use them to travel or transfer your points to Flybuys Points and get even more choice on how to spend them (Note: Points transfer is only available on the BOQ Platinum credit card)
    • Use your points to shop at Kogan.com

  • Who can apply for a credit card online?
    The following conditions must be met for an online application:

    • All applicants must be Australian residents with an Australian address within a State or Territory
    • The Account must be in personal names (no Company or Trading Accounts)
    • The applicant must be over 18 years of age
    • If an additional cardholder is requested, they must be over 16 years of age

  • How long will the online credit card application take to complete?
    The online credit card application for our Platinum Visa Credit Card will take approximately 20 minutes to complete, assuming you have all the necessary information on hand.

  • What documents do I require?
    The required documentation is dependent upon whether or not you are an existing BOQ customer.
    To apply for a BOQ Credit Card, you will require the following documents:

    • Identification documents, including address details
    • Your income and expense details
    • Your employment details
    • Click here for further information on what documentation will be required.

  • How do I add an additional cardholder?
    To add an additional cardholder on an existing BOQ Credit Card:

    • Select your credit card account in BOQ Internet Banking, select ‘Q Rewards / Other Card Functions’ and then select the ‘Add and Additional Cardholder’ function; or
    • Visit your nearest BOQ Branch

  • Are rewards credit cards worth it?
    This depends on a few factors, however, as long as you are not carrying a balance over the no-interest period and the annual fee is lower than the value of the rewards and complimentary insurances that you’ll earn, then they are usually worth it!

  • More Credit Card FAQs
    Click here for more FAQs on applying for credit cards online.
    More FAQs can be found here,

  • Important information
    Fees and charges are payable. NAB's standard credit assessment criteria apply. Terms and Conditions apply and are available upon request. 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. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The 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 available effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to BOQ Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
    2. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.
    3. BOQ Instalment Plans are defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full Terms and Conditions of your Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
    4. Q Rewards® points are earned on Eligible Transactions. Eligible purchase is defined as Eligible Transaction. Eligible Transaction is defined in the Q Rewards® 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 definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears.
    5. Points Transfer is only available on the BOQ Platinum Credit Card.
    6. Offer commenced 1 December 2023. 100,000 bonus Q Rewards® points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 3 months from card approval. Purchases must be processed and charged to your account in the first 3 months from the account approval. Eligible Transaction is defined in the Q Rewards® 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 definition. All Q Rewards® are subject to the BOQ Q Rewards® Terms and Conditions. The Q Rewards® Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.
    7. Offer commenced 1 December 2023. 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 and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. The balance transfer fee is 1% 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. Subject to change). Please note you will be charged interest on retail purchases while you have a balance transfer. 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.
    9. To be eligible for a $0 annual fee on a BOQ Platinum Visa credit card you need to have an eligible BOQ home loan and be a new credit card customer. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.
    13. Offer commenced 3 February 2025. 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 6 months. The 6 month promotional period commences when the balance transfer is processed and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. The balance transfer fee is 1% 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. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. We reserve the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here.
    15. Offer commenced 31 October 2024. 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 18 months. The 18 month promotional period commences when the balance transfer is processed and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. The balance transfer fee is 2% 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. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. We reserve the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here.
    For Target Market Determinations please refer here.
    Bank of Queensland Credit Cards (“Credit Cards”) are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Bank of Queensland Limited ABN 32 009 656 740 (“BOQ”). NAB has acquired the business relating to the Credit Cards from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) ("Citi") and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it.

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