---
title: "BOQ Low Rate Visa Credit Card — Bank of Queensland Limited"
description: "Credit & Charge Cards from Bank of Queensland Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/9af3781e-102c-ee11-9966-002248e1d7d5
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T04:30:25Z
---

# BOQ Low Rate Visa Credit Card — Bank of Queensland Limited

> Credit & Charge Cards from Bank of Queensland Limited. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Bank of Queensland**

If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.

## At a glance

- **Purchase rate:** 13.99%
- **Annual fee:** $65.00

## Apply

Applications are handled by the provider: [Apply at Bank of Queensland Limited](https://www.boq.com.au/personal/credit-cards/low-rate-credit-card)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate.) | 0% | — | Promotional Balance Transfer Period 1–24 months |
| 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.) | 13.99% | — | — |
| 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.) | 21.99% | — | — |
| Balance transfer (Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period.) | 21.99% | — | Standard Balance Transfer Period 25+ months |

## 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 |
| Late Payment Fee — 1 · Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. | Late payment | $30.00 |
| 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. · Discount −1.5% of transaction — 1.5% of the transaction amount for a Cash Advance outside of Australia, minimum of $4, maximum amount $30, debited to your Account on the date the Cash Advance takes place. | Cash advance | 1.5% of transaction |
| Annual fee — Charged yearly | Ongoing | $65.00 |
| Domestic Cash Advance below $100 — Domestic cash withdrawals from your credit card. | Cash advance | $3.50 |
| Domestic Cash Advance above $100 — Domestic cash withdrawals from your credit card.. For any Cash Advance equal to or over $100 debited to your Account on the Transaction Date. | Cash advance | 3.5% of transaction |
| Balance Transfer fee — The balance transfer fee is 3% of the balance transferred | Transaction | 3% of balance |

## Features

- **Balance transfers**
- **Interest-free transfers** — 24 months (0% p.a. on Balance Transfers for 24 months)
- **Accepted at over 61 million locations and ATMs worldwide.**
- **Interest-free period** — 55 days (Up to 55 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer).)
- **For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.**

## Eligibility

- **Minimum income** — $25,000.00 p.a. (Earn a taxable income of $25,000 per year or more)
- **Residency status** — Resident or Citizen (Be a permanent Australian resident or citizen)
- **Have a good credit rating**
- **Minimum age** — 18 years (Be at least 18 years of age)
- **Individuals only**

## Constraints

- **Minimum limit** — $2,000.00
- **Maximum limit** — $30,000.00

## More information from Bank of Queensland Limited

- [Overview](https://www.boq.com.au/personal/credit-cards/low-rate-credit-card)
- [Terms & conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/)
- [Eligibility](https://www.boq.com.au/personal/credit-cards/low-rate-credit-card)
- [Fees & pricing](https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards)

## Data provenance

- Published by Bank of Queensland Limited under the Consumer Data Right
- Product ID: `9af3781e-102c-ee11-9966-002248e1d7d5`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-queensland-limited/9af3781e-102c-ee11-9966-002248e1d7d5
- Provider page: https://www.cdrcompare.au/brands/bank-of-queensland-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000241

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-queensland-limited/products/9af3781e-102c-ee11-9966-002248e1d7d5) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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