BOQ Blue Visa Credit Card
Our Blue Visa Credit Card rewards you when you buy - earning you 1 Q Rewards® credit card point for every dollar of eligible spend, which you can put towards just about anything.
- Purchase rate
- 20.99%
- Annual fee
- $89.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer Earn 50,000 Q Rewards Bonus Points & 0% p.a. on Balance Transfers for 6 months. When you spend $3,500 on eligible purchases within 90 days from approval. With a 1% 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 |
| 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 |
| 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 |
| 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 — 6 months
- 0% p.a. on Balance Transfers for 6 months. 1% Balance Transfer fee applies. Reverts to the cash advance rate thereafter.
- Bonus rewards — 50000
- Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on eligible purchases within 90 days from approval.
- Additional cards — up to 4
- $15 additional cardholder fee applies. Charged annually.
- 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 Blue Visa Credit Card.
- Loyalty program — Q Rewards
- Earn 1 Q Rewards credit card point for every dollar spent on Eligible Transactions.
Eligibility
- Minimum income — $25,000.00 p.a.Earn a taxable income of $25,000 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 — $2,000.00
- Maximum limit — $50,000.00
More Information
Published by Bank of Queensland Limited under the Consumer Data Right · Last updated 13 July 2026 · Product ID a0f3781e-102c-ee11-9966-002248e1d7d5 · View on CDR.gov.au