BOQ 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.
- Purchase rate
- 13.99%
- Annual fee
- $15.00
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 |
| 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. |
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 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. |
Features
- Balance transfers
- Interest-free transfers — 24 months
- 0% p.a. on Balance Transfers for 24 months
- Additional cards — up to 4
- $15 additional cardholder fee applies. Charged annually.
- 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 CitizenBe a permanent Australian resident or citizen
- Have a good credit rating
- Minimum age — 18 yearsBe at least 18 years of age
- Individuals only
Constraints
- Minimum limit — $2,000.00
- Maximum limit — $30,000.00
More Information
Published by Bank of Queensland Limited under the Consumer Data Right · Last updated 13 July 2026 · Product ID 9af3781e-102c-ee11-9966-002248e1d7d5 · View on CDR.gov.au