RWRDS

BOQ Platinum Visa Credit Card

Snapshot 240 · Offer 2064 · Offer status now: active

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* [Jump to main navigation](#nav)
* [Jump to main content](#main)

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## Navigation

[  ](https://www.boq.com.au/personal) 

dd-svgs Close navigation 

* [Personal](https://www.boq.com.au/personal) [Personal child pages](#)  
   * [Banking](https://www.boq.com.au/personal/banking) [Banking child pagesBanking child pagesBanking child pagesBanking child pagesBanking child pagesBanking child pagesBanking child pages](#)  
         * [Transaction Accounts](https://www.boq.com.au/personal/banking/transaction-accounts)  
         * [Savings and Term Deposits ](https://www.boq.com.au/personal/banking/savings-and-term-deposits)  
         * [Online Banking](https://www.boq.com.au/personal/banking/online-banking)  
         * [Today's Interest Rates](https://www.boq.com.au/personal/banking/todays-interest-rates)  
         * [Visa Debit Card](https://www.boq.com.au/personal/banking/visa-debit-card)  
         * [Digital Wallet](https://www.boq.com.au/personal/banking/digital-wallet)  
         * [Managing Direct Debits](https://www.boq.com.au/personal/banking/managing-direct-debits)

− Removed

   * [Credit Cards](https://www.boq.com.au/personal/credit-cards) [Credit Cards child pagesCredit Cards child pagesCredit Cards child pages](#)  
         * [Compare Credit Cards](https://www.boq.com.au/personal/credit-cards/compare-credit-cards)

+ Added

   * [Credit Cards](https://www.boq.com.au/personal/credit-cards) [Credit Cards child pages](#)
1 unchanged line
         * [Q Rewards Points](https://www.boq.com.au/personal/credit-cards/rewards-points)

− Removed

         * [Manage My Credit Card Application](https://www.boq.com.au/personal/credit-cards/manage-my-credit-card-application)
132 unchanged lines
   * [Home Loans](https://www.boq.com.au/personal/home-loans) [Home Loans child pagesHome Loans child pagesHome Loans child pagesHome Loans child pagesHome Loans child pagesHome Loans child pages](#)  
         * [Refinance With BOQ](https://www.boq.com.au/personal/home-loans/home-loan-refinancing)  
         * [Buy Your First Home](https://www.boq.com.au/personal/home-loans/buying-your-first-home)  
         * [Property Investors](https://www.boq.com.au/personal/home-loans/buying-an-investment-property)  
         * [Manage Your Home Loan](https://www.boq.com.au/personal/home-loans/manage-home-loans)  
         * [Home Loan Interest Rates](https://www.boq.com.au/personal/home-loans/home-loan-interest-rates)  
         * [Home Loan Calculators](https://www.boq.com.au/personal/home-loans/home-loan-calculators)  
   * [Personal and Car Loans](https://www.boq.com.au/personal/personal-and-car-loans) [Personal and Car Loans child pagesPersonal and Car Loans child pagesPersonal and Car Loans child pages](#)  
         * [Personal Loan](https://www.boq.com.au/personal/personal-and-car-loans/personal-loan)  
         * [Car Loans](https://www.boq.com.au/personal/personal-and-car-loans/car-loans)  
         * [Compare Personal Loan Rates](https://www.boq.com.au/personal/personal-and-car-loans/compare-personal-loans)  
   * [Insurance](https://www.boq.com.au/personal/insurance) [Insurance child pagesInsurance child pagesInsurance child pages](#)  
         * [Home and Contents Insurance](https://www.boq.com.au/personal/insurance/home-and-contents-insurance)  
         * [Landlord Insurance ](https://www.boq.com.au/personal/insurance/landlord-insurance)  
         * [Car Insurance](https://www.boq.com.au/personal/insurance/car-insurance)  
   * [Travel](https://www.boq.com.au/personal/travel) [Travel child pagesTravel child pages](#)  
         * [Exchange Rates](https://www.boq.com.au/personal/travel/travel-money-rates)  
         * [Cash Passport Platinum Mastercard](https://www.boq.com.au/personal/travel/cash-passport-card)  
   * [Investing and Superannuation](https://www.boq.com.au/personal/investing-and-superannuation) [Investing and Superannuation child pagesInvesting and Superannuation child pagesInvesting and Superannuation child pages](#)  
         * [BOQ Online Share Trading ](https://www.boq.com.au/personal/investing-and-superannuation/boq-online-share-trading)  
         * [Log In to BOQ Trading](https://www.boq.com.au/personal/investing-and-superannuation/log-in-to-boq-trading)  
         * [Self Managed Super Funds](https://www.boq.com.au/personal/investing-and-superannuation/self-managed-super-funds)  
   * [Tools and Calculators ](https://www.boq.com.au/personal/tools-and-calculators) [Tools and Calculators child pagesTools and Calculators child pagesTools and Calculators child pagesTools and Calculators child pagesTools and Calculators child pages](#)  
         * [Loan Repayments Calculator](https://www.boq.com.au/personal/tools-and-calculators/loan-repayment-calculator)  
         * [Stamp Duty Calculator](https://www.boq.com.au/personal/tools-and-calculators/stamp-duty-calculator)  
         * [Borrowing Power Calculator](https://www.boq.com.au/personal/tools-and-calculators/borrowing-power-calculator)  
         * [Property and Suburb Reports](https://www.boq.com.au/personal/tools-and-calculators/boq-property-app)  
         * [Rate Change Calculator](https://www.boq.com.au/personal/tools-and-calculators/rate-change-calculator)
* [Business](https://www.boq.com.au/business) [Business child pages](#)  
   * [Small Business](https://www.boq.com.au/business/small-business) [Small Business child pages](#)  
         * [Business Knowledge Hub](https://www.boq.com.au/business/small-business/business-knowledge-hub)  
   * [Industry Specialists](https://www.boq.com.au/business/industry-specialists) [Industry Specialists child pagesIndustry Specialists child pagesIndustry Specialists child pages](#)  
         * [Agribusiness](https://www.boq.com.au/business/industry-specialists/agribusiness)  
         * [Corporate and Property](https://www.boq.com.au/business/industry-specialists/corporate-and-property)  
         * [Health Care](https://www.boq.com.au/business/industry-specialists/health-care)  
   * [Business Bank Accounts](https://www.boq.com.au/business/business-bank-accounts) [Business Bank Accounts child pagesBusiness Bank Accounts child pagesBusiness Bank Accounts child pagesBusiness Bank Accounts child pages](#)  
         * [Transaction Accounts](https://www.boq.com.au/business/business-bank-accounts/transaction-accounts)  
         * [Savings and Investment Accounts](https://www.boq.com.au/business/business-bank-accounts/savings-and-investment-accounts)  
         * [Industry Specialist Accounts](https://www.boq.com.au/business/business-bank-accounts/industry-specialist-accounts)  
         * [Business Visa Debit Card](https://www.boq.com.au/business/business-bank-accounts/business-visa-debit-card)  
   * [Loans and Finance](https://www.boq.com.au/business/loan-and-finance) [Loans and Finance child pagesLoans and Finance child pagesLoans and Finance child pagesLoans and Finance child pages](#)  
         * [Compare Business Loans](https://www.boq.com.au/business/loan-and-finance/compare-business-loans)  
         * [Business Loans Australia](https://www.boq.com.au/business/loan-and-finance/business-loans)  
         * [Equipment and Vehicle Finance ](https://www.boq.com.au/business/loan-and-finance/equipment-and-vehicle-finance)  
         * [Insurance Premium Funding](https://www.boq.com.au/business/loan-and-finance/insurance-premium-funding)  
   * [Merchant and Payment Products](https://www.boq.com.au/business/merchant-and-payment-products) [Merchant and Payment Products child pagesMerchant and Payment Products child pagesMerchant and Payment Products child pages](#)  
         * [Payment Solutions and Billing](https://www.boq.com.au/business/merchant-and-payment-products/payment-solutions-and-billing)  
         * [Merchant Solutions](https://www.boq.com.au/business/merchant-and-payment-products/merchant-solutions)  
         * [Existing Merchants](https://www.boq.com.au/business/merchant-and-payment-products/current-merchant1)  
   * [Financial Markets and International Services](https://www.boq.com.au/business/financial-markets-and-international-services) [Financial Markets and International Services child pagesFinancial Markets and International Services child pagesFinancial Markets and International Services child pagesFinancial Markets and International Services child pagesFinancial Markets and International Services child pages](#)  
         * [Export and Import Services](https://www.boq.com.au/business/financial-markets-and-international-services/export-and-import-services)  
         * [International and Domestic Trade](https://www.boq.com.au/business/financial-markets-and-international-services/international-and-domestic-trade)  
         * [Foreign Exchange](https://www.boq.com.au/business/financial-markets-and-international-services/foreign-exchange)  
         * [Foreign Currency Accounts](https://www.boq.com.au/business/financial-markets-and-international-services/foreign-currency-accounts-and-deposits)  
         * [SmartFX Online International Payments Platform](https://www.boq.com.au/business/financial-markets-and-international-services/smartfx)  
   * [Today's Business Interest Rates ](https://www.boq.com.au/business/todays-business-interest-rates) [Today's Business Interest Rates child pagesToday's Business Interest Rates child pagesToday's Business Interest Rates child pages](#)  
         * [Farm Management Deposit Interest Rates](https://www.boq.com.au/business/todays-business-interest-rates/farm-management-deposit-interest-rates)  
         * [Business Finance Interest Rates](https://www.boq.com.au/business/todays-business-interest-rates/business-finance-interest-rates)  
         * [Term Deposit Interest Rates](https://www.boq.com.au/business/todays-business-interest-rates/term-deposit-interest-rates)  
   * [Tools & Calculators ](https://www.boq.com.au/business/tools-and-calculators) [Tools & Calculators child pages](#)  
         * [International Trade Enabler](https://www.boq.com.au/business/tools-and-calculators/international-trade-enabler)
* [Blog](https://www.boq.com.au/blog) [Blog child pages](#)  
   * [Life Moments](https://www.boq.com.au/blog/life-moments)  
   * [Personal Finance](https://www.boq.com.au/blog/personal-finance)  
   * [Featured](https://www.boq.com.au/blog/featured)  
   * [Property](https://www.boq.com.au/blog/property)  
   * [Local Community](https://www.boq.com.au/blog/local-community)  
   * [Economic Update](https://www.boq.com.au/blog/economic-update)
* [Life Stages](https://www.boq.com.au/life-stages) [Life Stages child pages](#)  
   * [Your First Job](https://www.boq.com.au/life-stages/your-first-job)  
   * [Moving Out Of Home ](https://www.boq.com.au/life-stages/moving-out-of-home)  
   * [Studying](https://www.boq.com.au/life-stages/studying)  
   * [Buying an Investment Property](https://www.boq.com.au/life-stages/buying-an-investment-property)  
   * [Buying Your Next Home](https://www.boq.com.au/life-stages/buying-your-next-home)  
   * [First Home Buyers Hub](https://www.boq.com.au/life-stages/first-home-buyers-hub)  
   * [Building a Home](https://www.boq.com.au/life-stages/building-a-home)  
   * [Home Renovation Hub](https://www.boq.com.au/life-stages/home-renovation-hub)
* [Help & Support](https://www.boq.com.au/help-and-support) [Help & Support child pages](#)  
   * [Age Friendly Banking](https://www.boq.com.au/help-and-support/protecting-money-older-age)  
   * [Rate Change Hub](https://www.boq.com.au/help-and-support/interest-rate-hub)  
   * [Branch Network](https://www.boq.com.au/help-and-support/branch-network)  
   * [Confirm Your Details](https://www.boq.com.au/help-and-support/confirm-your-details)  
   * [Losing a loved one](https://www.boq.com.au/help-and-support/deceased-estates)  
   * [](https://www.boq.com.au/help-and-support/problem-gambling-assistance)  
   * [Remediation Funds Owed](https://www.boq.com.au/help-and-support/remediation-funds)  
   * [Using myBOQ at tax time](https://www.boq.com.au/help-and-support/using-myboq-at-tax-time)  
   * [Using BOQ at tax time](https://www.boq.com.au/help-and-support/using-boq-at-tax-time)  
   * [Complaints and Feedback](https://www.boq.com.au/help-and-support/feedback-and-complaints)  
   * [Managing Unplanned Life Moments](https://www.boq.com.au/help-and-support/managing-unplanned-life-moments) [Managing Unplanned Life Moments child pagesManaging Unplanned Life Moments child pages](#)  
         * [Natural disaster support](https://www.boq.com.au/help-and-support/managing-unplanned-life-moments/natural-disaster)  
         * [Domestic and Family Violence Assistance](https://www.boq.com.au/help-and-support/managing-unplanned-life-moments/domestic-family-assistance)  
   * [Online Banking Help and Support](https://www.boq.com.au/help-and-support/online-banking) [Online Banking Help and Support child pagesOnline Banking Help and Support child pagesOnline Banking Help and Support child pagesOnline Banking Help and Support child pagesOnline Banking Help and Support child pages](#)  
         * [Online Banking Video Tutorials](https://www.boq.com.au/help-and-support/online-banking/ob-video-tutorials)  
         * [Online Banking FAQs](https://www.boq.com.au/help-and-support/online-banking/ob-faqs-and-support)  
         * [System Status](https://www.boq.com.au/help-and-support/online-banking/system-status)  
         * [Self-Service Hub](https://www.boq.com.au/help-and-support/online-banking/self-service-hub)  
         * [Online Banking Password Reset](https://www.boq.com.au/help-and-support/online-banking/internet-banking-password-reset)  
   * [FAQs](https://www.boq.com.au/help-and-support/faqs) [FAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pagesFAQs child pages](#)  
         * [Using Bank@Post](https://www.boq.com.au/help-and-support/faqs/using-bank-at-post)  
         * [Managing Cryptocurrency Payments ](https://www.boq.com.au/help-and-support/faqs/managing-cryptocurrency-payments)  
         * [myBOQ Saver FAQs](https://www.boq.com.au/help-and-support/faqs/myboq-saver-faqs)  
         * [Card Transaction Disputes](https://www.boq.com.au/help-and-support/faqs/card-transaction-disputes)  
         * [Fast Track Account FAQs](https://www.boq.com.au/help-and-support/faqs/fast-track-faq)  
         * [Credit Card FAQs](https://www.boq.com.au/help-and-support/faqs/credit-card-faq)  
         * [ASIC Reference](https://www.boq.com.au/help-and-support/faqs/asic-reference)  
         * [Changes to our ADI licence](https://www.boq.com.au/help-and-support/faqs/changes-to-our-adi-licence)  
         * [Card Management](https://www.boq.com.au/help-and-support/faqs/card-management)  
         * [Account Management](https://www.boq.com.au/help-and-support/faqs/account-management)  
         * [Payments & Transactions](https://www.boq.com.au/help-and-support/faqs/payments-transactions)  
         * [Transfers & Payments](https://www.boq.com.au/help-and-support/faqs/transfers-payments)  
   * [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)  
         * [Latest Alerts](https://www.boq.com.au/help-and-support/fraud-and-scams/latest-alerts)  
         * [Report a Fraud or Scam](https://www.boq.com.au/help-and-support/fraud-and-scams/report)  
   * [Financial Difficulty Assistance](https://www.boq.com.au/help-and-support/assistance)  
   * [Your Customer Advocate](https://www.boq.com.au/help-and-support/customer-advocate)  
   * [Discontinued Products & Services](https://www.boq.com.au/help-and-support/discontinued-products)  
   * [Foreign Tax Resident Reporting](https://www.boq.com.au/help-and-support/foreign-tax-resident-reporting)  
   * [Getting Started at BOQ](https://www.boq.com.au/help-and-support/getting-started)  
   * [BOQ Kitchen](https://www.boq.com.au/help-and-support/boq-kitchen)  
   * [Switching to BOQ](https://www.boq.com.au/help-and-support/Switching-to-BOQ)  
   * [Find a branch or ATM](https://www.boq.com.au/help-and-support/find-a-branch)  
   * [Getting Started at BOQ Business](https://www.boq.com.au/help-and-support/getting-started-business)  
   * [Accessible and Inclusive Banking](https://www.boq.com.au/help-and-support/accessible-and-inclusive-banking)  
   * [The Code of Operation](https://www.boq.com.au/help-and-support/the-code-of-operation)  
   * [Switching to myBOQ](https://www.boq.com.au/help-and-support/switching-to-myboq)  
   * [Cheque Changes](https://www.boq.com.au/help-and-support/cheque-changes)
* [Log On](https://ib.boq.mobi/Mobile/BankFast-Enterprise-Logon) [ Super child pages ](#)  
   * [Log On to Internet Banking](javascript:launchIB%28'EIB'%29;)  
   * [Self-Service Hub](https://www.boq.com.au/help-and-support/online-banking/self-service-hub)  
   * [Q Rewards](https://www.boqrewards.com/cms/sites/bq-eng/index.page)

− Removed

   * [Retrieve Credit Card application](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appsta/getEntry.do?TTC=1062)  
   * [Retrieve saved application](https://onlineapplications.boq.com.au/#/login&Product%5Fname=Platinum%20Rewards%20Credit%20Card&Referrer=&Medium=&Campaign=)

+ Added

   * [Retrieve saved application](https://onlineapplications.boq.com.au/#/login&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=)
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   * [Manage Data Sharing](https://www.boq.com.au/personal/banking/openbanking)

* [About BOQ](https://www.boq.com.au/About-us)
* [Shareholder Centre](https://www.boq.com.au/Shareholder-centre)
* [Contact Us](https://www.boq.com.au/contact-us)
* [Find a branch or ATM](https://www.boq.com.au/help-and-support/find-a-branch)
* [BOQ BSB](https://www.boq.com.au/BSB)

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[Back to Credit Cards](https://www.boq.com.au/personal/credit-cards)

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[Back to Personal](https://www.boq.com.au/personal)
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* [Home](https://www.boq.com.au/)
* [Personal](https://www.boq.com.au/personal)

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* [Credit Cards](https://www.boq.com.au/personal/credit-cards)
* Platinum Visa Credit Card

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* Credit Cards
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# Platinum Visa Credit Card

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

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## Three great cards. No tricky decisions.
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[Latest offers](#offers)
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Image:

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#### Show me

* [Credit card offers](#offers)
* [Features ](#features)
* [Interest rates and fees](#interest-rates-and-fees)
* [How to apply](#how-to-apply)
* [FAQs](#faqs)
[Latest offers](#latest)
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### Upcoming Changes

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Applications for a new BOQ Credit Card will be temporarily unavailable from 26 October 2025\. Please check back on 24 November 2025\. Any new or saved applications need to be submitted before 26 October 2025 and any incomplete applications will be cancelled. Please review the [Terms and Conditions](https://www.boq.com.au/important-information/terms-and-conditions) before applying.

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* 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)
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## Platinum Visa Credit Card

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

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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:

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earn q rewards® points and enjoy Travel Perks
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2 Q Rewards® points for every dollar spent on eligible transactions, purchase protection insurance, international and domestic travel insurance and more.

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##
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##### Important changes to Complimentary Insurances on the BOQ Platinum Credit Card

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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).
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International and Domestic Travel Insurance, and Rental Vehicle Excess Insurance 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)

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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).
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## Credit card rates and fees

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Blue Visa Credit Card
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$1 = 2 Points

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

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##
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44

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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.
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 Interest free period up to 44 days

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Low Rate Visa Credit Card
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Travel Insurance

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Save with a lower interest rate
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 International and domestic travel insurance

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##
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## Platinum Visa Credit Card Offers & Rewards

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If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down
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[ ](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appnew/getApplyNow.do?p=680891000&s=1WZ9YZZ3)

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## Quick links
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earn q rewards® points and enjoy perks

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[  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)
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## [100k bonus Q Rewards® Points](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appnew/getApplyNow.do?p=680891000&s=1WZ9YZZ3)

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[  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)
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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.

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

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## Credit card FAQs
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* 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

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* [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.
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[Apply now](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appnew/getApplyNow.do?p=680891000&s=1WZ9YZZ3)

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* [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.
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#####

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* [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.
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[Learn more about Q Rewards® Points](https://www.boq.com.au/personal/credit-cards/rewards-points)

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* [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.
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## Credit Card rates and fees

| Annual fee         | $149                                                                         |
| ------------------ | ---------------------------------------------------------------------------- |
| Interest Free Days | Up to 44 interest-free days on purchases, unless you have a balance transfer |
| Purchase Rate      | 20.99 % p.a.                                                                 |
| Cash Advance Rate  | 21.99 % p.a.                                                                 |
| Visa Privileges    | Visa 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.](#fees)

## 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.

### Turn your credit card points into cash

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

### 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.

### Treat yourself – or someone else

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

### 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

### 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).

### Purchase Protection Insurance

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

### 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](https://www.boq.com.au/help-and-support/find-a-branch).

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

## 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

##### Applying online will take around 10 minutes

**Offer: 100k bonus Q Rewards® Points**

[Apply: Q Rewards®Offer ](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appnew/getApplyNow.do?p=680891000&s=1WZ9YZZ3)

**Call us:**

[1300 55 72 72](tel:1300557272)

**If you have saved your application:**

[Load saved application](https://boq.cardservicesdirect.com.au/AUBOQ/ICARD/appsta/getEntry.do?TTC=1062)

## Important Information

* [ Untitled-1 **Credit Card Terms and Conditions and Other Important Information** ](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/boq-credit-card-terms-and-conditions.pdf)
* [ Untitled-1 **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)
* [ Untitled-1 **Privacy Consent** ](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/privacy-consent-statement.pdf)

* [ Untitled-1 **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)
* [ Untitled-1 **BOQ Credit Cards Complimentary Insurance Policy Information Booklet 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)
* [ Untitled-1 **Q Rewards Terms and Conditions** ](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf)
* [ Untitled-1 **Direct Debit (Easi-Pay) Request Form** ](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-card-easipay.pdf)

## Handy tools

[  Know your credit card repayment options Learn about repayment options ](https://www.boq.com.au/personal/credit-cards/payment-options) 

[  Manage my credit card application Access & manage your application ](https://www.boq.com.au/personal/credit-cards/manage-my-credit-card-application) 

[  Compare credit cards Start comparing here ](https://www.boq.com.au/personal/credit-cards#compare) 

* [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](https://www.boq.com.au/personal/credit-cards/manage-my-credit-card-application) 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](https://www.boq.com.au/help-and-support/find-a-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](https://www.boq.com.au/help-and-support/faqs/online-applications-frequently-asked-questions).  
More FAQs can be found here,  
   * [credit card management](https://www.boq.com.au/help-and-support/faqs/card-management)  
   * [Q Rewards®](https://www.boq.com.au/personal/credit-cards/rewards-points)  
   * [payment options](https://www.boq.com.au/help-and-support/faqs/credit-card-faq)  
   * [credit card transaction disputes ](https://www.boq.com.au/help-and-support/faqs/credit-card-faq)
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* [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.

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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.

+ Added

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.
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[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

### We're here to help.

* [  1300 55 72 72 Call our Customer Contact Centre ](tel:1300%2055%2072%2072)
* [  Email us Get in touch ](https://www.boq.com.au/contact-us)
* [  Locate us Find a branch or ATM ](https://www.boq.com.au/help-and-support/find-a-branch)
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Credit Cards

Three great cards. No tricky decisions.

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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 effective on this date. Learn more about the changes at boq.com.au/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

Compare and choose the credit card for you

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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.

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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.

[Image]

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

[Image: Icon credit card repayment options] Credit card payment options See how you can make Credit Card repayments. Learn about repayments

[Image: Icon credit card rewards] 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

[Image: Icon credit card frequently asked questions] Credit card FAQs Frequently asked questions about BOQ credit cards. Find help & support

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 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 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 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.
    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.
    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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