BOQ Platinum Visa Credit Card

Snapshot 250 · Offer 2064 · Offer status now: active

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Read full saved wording and terms

Changes to the captured page text and terms, compared with snapshot 247 from 2026-02-01 01:22:45.000 UTC.

Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.

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

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[Jump to Main](#main)

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Search

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We've announced changes to our lending interest rates following the RBA's rate change.

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Type a minimum of three characters then press UP or DOWN on the keyboard to navigate the autocompleted search results

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[Learn more](https://www.boq.com.au/personal/help-and-support/rates-and-fees/interest-rate-hub "Learn more")

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Search button search.colors-black-white-primary

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Dismiss

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Search for ‘ ’

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1. [Home](https://www.boq.com.au/)
2. [Personal](https://www.boq.com.au/personal/)
3. Credit Cards

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## Navigation

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# Credit Cards

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

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

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dd-svgs Close navigation

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

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* [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)  
   * [Credit Cards](https://www.boq.com.au/personal/credit-cards) [Credit Cards child pages](#)  
         * [Q Rewards Points](https://www.boq.com.au/personal/credit-cards/rewards-points)  
   * [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 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 referral](https://www.boq.com.au/business/industry-specialists/business-referral)  
   * [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)  
   * [Confirmation of Payee](https://www.boq.com.au/help-and-support/confirmation-of-payee)  
   * [myBOQ Internet Banking Help](https://www.boq.com.au/help-and-support/internet-banking)  
   * [Flexible ways to manage your credit card](https://www.boq.com.au/help-and-support/credit-card-instalments)  
   * [Online Security Hub](https://www.boq.com.au/help-and-support/credit-card-online-security-hub)
* [Log On](https://www.boq.com.au/login-hub) [ 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)  
   * [Retrieve saved application](https://onlineapplications.boq.com.au/#/login&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=&Referrer=&Medium=&Campaign=)  
   * [Manage Data Sharing](https://www.boq.com.au/personal/banking/openbanking)

+ Added

## From high rewards to low rates

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

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

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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).
*   
### 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.
*   
### 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.

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# Credit Cards

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## Tips and guides

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## Three great cards. No tricky decisions.

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

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Image:

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* #### Credit card payment options  
See how you can make credit card repayments.  
[Learn more](https://www.boq.com.au/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](https://www.boq.com.au/personal/credit-cards/rewards-and-benefits "Learn more")
* #### Credit card FAQs  
Frequently asked questions about BOQ Credit Cards.  
[Learn more](https://www.boq.com.au/personal/help-and-support/faqs/credit-card-faq "Learn more")

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* **New applications:** Applications for a new BOQ Credit Card are currently unavailable.

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## Frequently asked questions

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

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

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Platinum Visa Credit Card

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[Read more FAQs](https://www.boq.com.au/personal/help-and-support/faqs/credit-card-faq "Read more FAQs")

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earn q rewards points and enjoy Travel Perks

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

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##

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

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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 per dollar on Eligible Transactions. Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).

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

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Blue Visa Credit Card

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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.

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Earn Q rewards points

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#### What is a credit card?

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##

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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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Earn 1 Q Rewards Point per dollar on Eligible Transactions and redeem them for a range of options like evouchers, cashback and pay with points.

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

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Low Rate Visa Credit Card

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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.

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Save with a lower interest rate

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#### How does credit card interest work?

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##

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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.

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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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#### Can you withdraw cash with a credit card?

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## Quick links

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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 "credit card fees and charges guide") for more information.

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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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## Useful Forms and Documents

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

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

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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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[Find help](https://www.boq.com.au/personal/help-and-support/faqs/credit-card-faq "Find help")

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## Credit Card FAQs

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_[Forms and Important Information](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/#credit-card-terms-and-conditions "Forms and Important Information")_

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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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### We're here to help.

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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.

+ Added

*   
#### Call our Customer Contact Centre  
[1300 55 72 72](tel:1300557272 "1300 55 72 72")
*   
#### Contact us  
[Get in touch](https://www.boq.com.au/contact-us/ "Get in touch")
*   
#### Locate us  
[Find a branch or ATM](https://find.boq.com.au/ "Find a branch or ATM")

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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.

+ Added

### Important information

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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.

+ Added

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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* [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. 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 26 November 2025 which may be amended from time to time. Neither NAB nor any of its related corporations guarantee this insurance.
4\. Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the [Q Rewards® Terms and Conditions](https://www.boq.com.au/important-information/terms-and-conditions) for full definitions and details.
[For Target Market Determinations please refer here.](https://www.boq.com.au/important-information/tmd)
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. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

+ Added

* 1
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The 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](https://www.boq.com.au/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.
* 4
Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the [Q Rewards® Terms and Conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "Q Rewards® Terms and Conditions") for full definitions and details.

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### We're here to help.

+ Added

[For Target Market Determinations please refer here.](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/tmd "For Target Market Determinations please refer here.")

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* [  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)

+ Added

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.

Start: 2026-05-19 20:20:56.000 UTC
Superseded: 2026-05-24 22:44:27.000 UTC
Last successful capture for offer: 2026-09-11 02:41:05.000 UTC

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html source · Recorded 2026-05-19 20:20:56.000 UTC · Commit 0c93f87be20c80f4a94b381c0ad6a50efeb22f1c

Source pages and terms

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

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Home
Personal
Credit Cards

Credit Cards

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

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Existing cardholders: The BOQ Credit Card system change is now complete. Find out what this means for you 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.

[Image]

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).

[Image]

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.

[Image]

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[Image]

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[Image]

Credit card FAQs

Frequently asked questions about BOQ Credit Cards.
Learn more[Image]

Frequently asked questions

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

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 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 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

Forms and Important Information

We're here to help.

[Image]

Call our Customer Contact Centre

1300 55 72 72

[Image]

Contact us

Get in touch

[Image]

Locate us

Find a branch or ATM

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. 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. Neither NAB nor any of its related corporations guarantee this insurance.
4
Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the Q Rewards® Terms and Conditions for full definitions and details.

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.

Snapshot record

Snapshot ID: 250
Cleaning version: git-html:1:1
Review completed: Not yet reviewed
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