BOQ Credit Cards Review: Rewards, Low Rates and Flexible Options for Australians

Read our independent review of BOQ credit cards with a spotlight on rewards, low rate and Platinum. See pros, cons and an unbiased verdict for Australians here.

Anúncios

Recommended for you

Bank of Queensland (BOQ)

Explore BOQ cards for competitive rates, generous rewards and flexible options—choose Platinum, Blue, or Low Rate to match your spending and lifestyle needs.




You will be redirected to another website

BOQ offers three main credit cards, each tailored to different preferences: Platinum Visa, Blue Visa, and Low Rate Visa. While new applications for these cards are temporarily unavailable, these options typically cater to those seeking rewards, lower rates, or a balance between benefits and value. The Platinum Visa stands out for its 2 Q Rewards® Points per dollar on eligible transactions along with travel perks and complimentary insurance for cardholders meeting eligibility requirements. The Blue Visa delivers 1 Q Rewards® Point per dollar spent, with points easily redeemed for cashback, gift cards or more. For those focused on minimising costs, the Low Rate Visa offers a significantly reduced interest rate to help manage your repayments and keep costs in check.

How to Apply for a BOQ Credit Card

  • Check you meet eligibility: be 18+, an Australian resident, with regular income and a solid credit record.
  • Compare BOQ’s card selection to find the best fit for your needs and spending style.
  • Gather documents—proof of ID, income, and expenses.
  • Apply online or in a local BOQ branch.
  • Await a speedy application decision—usually within 2 business days.

Benefits of BOQ Credit Cards

Enjoy the flexibility to choose between earning more Q Rewards® Points, accessing complimentary insurance or saving on interest. The Platinum Visa’s rewards involve fast point accumulation and travel perks. Blue Visa rewards everyday spending and makes redemption easy and diverse. For budget-conscious users, Low Rate Visa provides cost-effective credit access and helps avoid high interest charges on carried balances.

Drawbacks to Consider

Currently, new applications are halted, making it impossible to access these offers for now. Annual fees and various card charges do apply, so they may affect the total value earned with higher-fee rewards cards. Extended eligibility requirements and the need for a good credit score could limit access for some consumers, and using the card irresponsibly can impact your credit standing.

Our Verdict

BOQ’s range delivers options for both points chasers and those focused on affordability, but availability is currently restricted. If you can apply when offers reopen, BOQ provides robust rewards, solid insurance, and low-rate flexibility—each suitable for different financial strategies. It’s wise to review the product details and current terms when applications resume.

Recommended for you

Bank of Queensland (BOQ)

Explore BOQ cards for competitive rates, generous rewards and flexible options—choose Platinum, Blue, or Low Rate to match your spending and lifestyle needs.




You will be redirected to another website

Préstamos de 20 mil pesos en yotepresto: tasas bajas y trámite digital

Read More

Tarjeta de Crédito Mercado Pago: Préstamos Rápidos y Flexibles en México

Read More

Klar: Préstamo Personal Flexible hasta $100,000 y Depósito Inmediato

Read More

Disclaimer

Under no circumstance we will require you to pay in order to release any type of product, including credit cards, loans or any other offer. If this happens, please contact us immediately. Always read the terms and conditions of the service provider you are reaching out to. We make money from advertising and referrals for some but not all products displayed in this website. Everything published here is based on quantitative and qualitative research, and our team strives to be as fair as possible when comparing competing options.

Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

en_US
ko_KR en_US