Bank of Queensland (BOQ)
BOQ offers three credit card options with flexible Q Rewards, complimentary insurance, extended warranties and a low rate card option for budget-conscious users.
The BOQ Credit Cards range gives applicants a choice between Platinum, Blue, and Low Rate Visa cards. Each card features unique perks like Q Rewards points, with rates of up to 2 points per dollar spent (Platinum) or the cost-saving low interest rate card for those who prioritise repaying balances fast. Credit limits are set during application and standard approval criteria apply.
How to Apply for a BOQ Credit Card
To apply, make sure you meet requirements: be at least 18 years old, an Australian resident with regular income, and have a solid credit history. Decide on your preferred card—Platinum, Blue, or Low Rate. Be prepared to provide personal and financial details, such as ID, expenses, and income sources. Submit your application online or at a local BOQ branch. Once submitted, you will usually know the outcome within two banking days.
What’s Good about BOQ Credit Cards
The Platinum Visa offers impressive perks, most notably two Q Rewards points per eligible dollar, and travel benefits like complimentary insurance and extended warranties. These extras cater to frequent spenders and travellers.
The Low Rate card is ideal for those watching their budget, offering a competitive interest rate while still providing access to Q Rewards. The flexibility in reward redemption, including cashbacks and gift cards, adds extra value for customers.
Svantaggi da considerare
New applications for BOQ Credit Cards can sometimes be temporarily unavailable, which may limit your access if you plan to switch cards soon.
Applicants must also manage annual fees, interest rates and eligibility criteria set by the provider, which may not suit everyone depending on financial circumstances or spending habits.
Verdetto finale
BOQ’s credit cards balance rewards, low interest options, and strong travel features, making them a solid choice for both everyday spenders and those seeking added perks. Consider your personal financial needs and current card availability before proceeding.
