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# Credit Cards

After a credit card with low interest or rewards? We'll help you find the right fit.

* **Existing cardholders:** The BOQ Credit Card system change is now complete. Find out what this means for you [here](/microsites/credit-card-changes "here").
* Applications for a new BOQ Credit Card are currently unavailable.

## From high rewards to low rates

Three great cards, no tricky decisions. Start comparing now.

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### Platinum Visa  
Credit Card  
The Platinum Visa Credit Card has an earn rate of 2 Q Rewards® Points earned on every dollar of eligible transactions, uncapped.  
Includes complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).
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### Blue Visa  
Credit Card  
Earn 1 Q Rewards® Point for each dollar spent on eligible transactions uncapped and redeem them for a range of options like Giftcards, Cashback and Pay with Points.
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### 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.

## Tips and guides

Discover answers, tips and guides on how to make the most of your new BOQ Credit Card.

* #### Credit card payment options  
See how you can make credit card repayments.  
[Learn more](/personal/help-and-support/credit-cards/payment-options "Learn more")
* #### Q Rewards® Points  
From cash back on your purchases to Pay with Points to Giftcards, to Velocity Points Transfer, see how you can use your Q Rewards® Points.  
[Learn more](/personal/credit-cards/rewards-and-benefits "Learn more")
* #### Credit card FAQs  
Frequently asked questions about BOQ Credit Cards.  
[Learn more](/personal/help-and-support/faqs/credit-card-faq "Learn more")

## Frequently asked questions

If you can’t find the answer to your question here, there’s more info available.

[Read more FAQs](/personal/help-and-support/faqs/credit-card-faq "Read more FAQs")

#### How do you apply for credit cards in Australia?

**Please note, applications for a new BOQ Credit Card are temporarily unavailable.**

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](/personal/credit-cards/compare-credit-cards "compare credit cards page") to see which BOQ Credit Card is right for you.

Once you have decided to apply, you’ll need to provide personal and financial information such as income and expenses. Then wait for your application to be reviewed. You will be notified of the outcome of your application within two 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.

#### What is a low interest credit card?

A low interest credit card is one that charges a lower purchase interest rate than the market average in Australia, helping you save significantly if you don’t pay off your balance in full every month.

#### 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 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.

#### 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](/content/dam/boq/files/personal/credit-cards/credit-card-fees-and-charges-guide.pdf "credit card fees and charges guide") for more information.

## 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](/personal/help-and-support/faqs/credit-card-faq "Find help")

_[Forms and Important Information](/personal/help-and-support/forms-and-important-information/terms-and-conditions/#credit-card-terms-and-conditions "Forms and Important Information")_

### We're here to help.

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#### Contact us  

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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 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.

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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 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](/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "BOQ Credit Cards Complimentary Insurance Policy Information Booklet"). Neither NAB nor any of its related corporations guarantee this insurance.
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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](/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "Q Rewards® Terms and Conditions") for full definitions and details.

[For Target Market Determinations please refer here.](/personal/help-and-support/forms-and-important-information/tmd "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.