BOQ Platinum Visa Credit Card
Everything you need, with all of the platinum credit card benefits – including 2 Q Rewards® points for every dollar spent on eligible transactions, purchase protection insurance, international and domestic travel insurance, and more.
- Purchase rate
- 20.99%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer Earn 100,000 Q Rewards Bonus Points & 0% p.a. on Balance Transfers for 12 months. When you spend $4,500 on eligible purchases within 90 days from approval. Annual fee of $75 for the first year, and $149 after that. With a 3% Balance Transfer Fee. Reverts to Cash Advance rate thereafter. | 0% | — | Promotional Balance Transfer Period |
| Purchase Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Percentage Rate) that applies to each balance type (e.g. a balance transfer) also applies to related fees and interest. The Retail APR applies to retail purchase balance. To calculate that interest, we multiply the applicable daily percentage rate by the daily unpaid balance of its balance type (including related fees and interest) for each day of that statement period, and then add those amounts together. The daily percentage rate is the applicable APR divided by 365. Information on any APR is available on request. | 20.99% | — | — |
| Cash advance Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Percentage Rate) that applies to each balance type (e.g. a balance transfer) also applies to related fees and interest. The Retail APR applies to retail purchase balance. To calculate that interest, we multiply the applicable daily percentage rate by the daily unpaid balance of its balance type (including related fees and interest) for each day of that statement period, and then add those amounts together. The daily percentage rate is the applicable APR divided by 365. Information on any APR is available on request. |
Fees
| Fee | Type | Amount |
|---|---|---|
| International Transaction Fee For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. | Purchase | 3.3% of transaction |
| Paper Statement Fee Charged monthly · For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances. | Ongoing | $2.00 |
| Overlimit Fee Fee per statement period when your credit limit is exceeded. $40 for accounts approved prior to 1 July 2012. | Event | $0.00 |
| Additional Card fee Charged yearly · $0 annual fee up to 4 Additional Cards. | Ongoing | $0.00 |
| Dishonour Fee Fee for each time a cheque or Direct Debit payment is dishonoured. | Dishonour | $10.00 |
| International Cash Advance International cash withdrawals made outside Australia on your credit card. Minimum fee amount of $4.00 and maximum amount of $30.00 debited to your Account on the Transaction Date. | Cash advance |
Features
- Balance transfers
- Interest-free transfers — 12 months
- 0% p.a. on Balance Transfers for 12 months. with a 3% Balance Transfer fee. Reverts to the cash advance rate
- Bonus rewards — 100000
- Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on eligible purchases within 90 days from approval
- Interest-free period — 44 days
- Up to 44 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer).
- Loyalty program — Q Rewards
- Earn 2 Q Rewards points for every $1 spent on Eligible Transactions.
- Insurance included — Extended Warranty Insurance
- Extended Warranty Insurance, cardholders may be entitled to extended warranty insurance of up to 12 months in addition to the covered product's Australian warranty period, which you purchase on your BOQ Platinum Visa Credit Card
Eligibility
- Minimum income — $35,000.00 p.a.Earn a taxable income of $35,000 per year or more
- Have a good credit rating
- Residency status — Resident or CitizenBe a permanent Australian resident or citizen
- Minimum age — 18 yearsBe at least 18 years of age
- Individuals only
Constraints
- Minimum limit — $6,000.00
- Maximum limit — $100,000.00
More Information
Published by Bank of Queensland Limited under the Consumer Data Right · Last updated 13 July 2026 · Product ID 78126e21-102c-ee11-9966-002248e1dc43 · View on CDR.gov.au