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   * [BOQ Fraud and Scam Assistance](https://www.boq.com.au/help-and-support/fraud-and-scams) [BOQ Fraud and Scam Assistance child pagesBOQ Fraud and Scam Assistance child pagesBOQ Fraud and Scam Assistance child pagesBOQ Fraud and Scam Assistance child pages](#)  
         * [Types of Scams ](https://www.boq.com.au/help-and-support/fraud-and-scams/types-of-scams)  
         * [Protect Yourself](https://www.boq.com.au/help-and-support/fraud-and-scams/protect-yourself)  
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* [Log On](https://ib.boq.mobi/Mobile/BankFast-Enterprise-Logon) [ Super child pages ](#)  
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* Credit Cards

# Credit Cards

## Three great cards. No tricky decisions. 

Image: 

### Upcoming Changes

* Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.  
    
On 24 November 2025, BOQ Credit Cards will be undergoing a system change and we’re updating our [Terms and Conditions](https://www.boq.com.au/important-information/terms-and-conditions) effective on this date. Learn more about the changes at [boq.com.au/credit-card-changes](https://www.boq.com.au/microsites/credit-card-changes).
* The credit card functionality in the BOQ mobile app and Internet Banking will no longer be available from 7:30PM AEDT Friday 21 November 2025 while we transition to our new system. [Learn more about the changes](https://www.boq.com.au/microsites/credit-card-changes)

## **Compare and choose the credit card for you**

Platinum Visa Credit Card

earn q rewards® points and enjoy Travel Perks

## 

The Platinum rewards card that has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend. Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).

Note: complimentary travel insurances will no longer be available from 15 May 2026\. Find out more [here](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf).

Blue Visa Credit Card

Earn Q rewards® points

## 

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

Low Rate Visa Credit Card

Save with a lower interest rate

## 

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

## Quick links

[  Credit card payment options See how you can make Credit Card repayments. Learn about repayments ](https://www.boq.com.au/personal/credit-cards/payment-options) 

[  Q Rewards® From cash back on your purchases (Select and Credit), to eVouchers, to Velocity Points Transfer – see what you can use your QRewards Points on. Start earning rewards ](https://www.boq.com.au/personal/credit-cards/rewards-points) 

[  Credit card FAQs Frequently asked questions about BOQ credit cards. Find help & support ](https://www.boq.com.au/help-and-support/faqs/credit-card-faq) 

## Credit card FAQs

* [How do I apply for a credit card in Australia?](#)  
**Please note, applications for a new credit card are temporarily unavailable from 26 October 2025.**  
To apply for a credit card, you must meet the eligibility criteria such as being 18 or over, you’re an Australian resident, you receive a regular income and have a good credit score. Then, you’ll need to compare credit card options to find the right one for your financial needs. Visit our [compare credit cards page](https://www.boq.com.au/personal/credit-cards) to see which BOQ credit card is right for you.  
Once you have decided to apply online or in person at a BOQ branch, you’ll need to provide personal & financial information such as income & expenses. Then wait for your application to be reviewed. You will be notified of the outcome of your application within 2 bank business days of submission of the electronic application.

* [What is a credit card?](#)  
A credit card allows you to borrow money or get ‘credit’ from a bank or credit card company to make purchases or withdraw cash. It’s a card with a set amount of funds (called a 'limit’) you can access at any time. This limit is set when you apply for a card. When you use a credit card, you are essentially taking out a loan that you must repay and may incur interest and fees. Some credit cards come with rewards programs that reward you with points for everyday spending.

* [Can you withdraw cash with a credit card?](#)  
Yes, you can withdraw up to AUD $1,000 cash per day using your BOQ credit card. Fees and charges will apply, view our [credit card fees and charges guide](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-card-fees-and-charges-guide.pdf) for more information.

* [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 you can find on your credit card statements. 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. Most credit cards also have an annual charge which is separate to credit card interest.

* [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](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf) 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](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf). 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.  
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.  
12\. Offer commenced 3 February 2025\. 50,000 bonus Q Rewards® Points will be awarded when $3,500 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 without notice. 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.  
[For Target Market Determinations please refer here.](https://www.boq.com.au/important-information/tmd)  
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. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards

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