BOQ Blue Visa Credit Card

Not available for application via this website

BOQ Blue Visa Credit Card

3.9

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$89.00 p.a. ongoing

Highlights

This is a solid balance transfer offer card with rewards on new spending. Right now, spend $3,500 in the first 3 months and get 50,000 bonus Q Rewards points. The annual fee is competitive for a rewards card. A good choice if you want points and a balance transfer deal, but be mindful of juggling repayments and earning points.

Pros and cons

Pros

  • Get 50,000 bonus Q Rewards points when you spend $3,500 within 3 months of approval.
  • 0% p.a. on balance transfers for 6 months (1% fee applies).
  • Earn 1 Q Rewards point per $1 on eligible spending.
  • Low annual fee for a rewards credit card.
  • Free purchase protection insurance.

Cons

  • Can't transfer Q Rewards points to partner programs, unlike the BOQ Platinum Visa Credit Card.
  • Balance transfer reverts to 21.99% p.a. after the promotional period.
  • The 44-day interest-free period is shorter than some cards offering up to 55 days.
  • $15 charge per additional card.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$25,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$15.00

Credit limits

Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$50,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
1%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
21.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$3.50
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$89.00
Dishonour Fee
$10.00
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Q Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

The basics

  • Additional cardholders. You can add up to 4 additional cardholders for $15 each. All the account holders will be jointly responsible for managing the account and repayments.
  • Digital wallets. This card supports Apple Pay, Google Pay and Samsung Pay.
  • Gambling transactions. Gambling transactions are not permitted on the BOQ Blue Visa Credit Card.

Rewards and benefits

  • Complimentary travel insurance. This card does not come with complimentary international travel insurance.
  • Concierge services. The BOQ Blue Visa Credit Card does not offer a concierge service.
  • Insurances. Cardholders get fraud protection, purchase protection insurance, and price protection insurance.
  • Rewards points. The BOQ Blue Visa Credit Card offers 1 Q Rewards point for every eligible dollar spent in Australia. Points can be redeemed for flights, hotels, gift cards, and other rewards. Points are not capped and do not expire.
  • Sign up bonus. Get 50,000 bonus Q Rewards points when you spend $3,500 within 3 months of approval.

Rates and fees

  • Annual fee. The annual fee for this card is $89 p.a., which is quite cheap for a rewards card.
  • Balance transfers. The Bank of Queensland Blue Visa Credit Card offers a 0% balance transfer for 6 months and an 80% balance transfer limit. There is a 1% fee for the balance transfer. Any remaining balance left after 18 months will revert to the standard cash advance rate.
  • Cash advances. When you use your BOQ Blue Visa Credit Card for cash advances, you'll be charged interest at 21.99% p.a., starting from the day you make the withdrawal. When making a cash advance with this card, a one-off fee of 3.5% will be charged in addition to the interest rate.
  • Foreign exchange fee. Purchases made online or while travelling overseas in a foreign currency will be subject to a 3.4% foreign transaction fee.
  • Interest-free period. With the BOQ Blue Visa Credit Card, you can enjoy up to 44 days interest-free on purchases, excluding cash advances, when you pay off your balance on time or make the minimum required payments.
  • Purchases. With no introductory offer on purchases, the ongoing interest rate of 20.99% p.a. will apply to any purchases made with the BOQ Blue Visa Credit Card.

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Quite happy with this card and rewards offered

    Reviewed by Kristmas


    The card I trust

    Reviewed by Colin


    I love Bank Of Queensland

    Reviewed by Christina


    Rewards add up pretty quickly

    Reviewed by Deb


    Super easy

    Reviewed by Nicholas


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    As seen on

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