BOQ - Blue Visa Credit Card
The BOQ Blue Visa credit card offers a points earning rate of 1 point for every $1 spent on eligible transactions. It also has an initial balance transfer rate of 0% for 9 months, with a 0% fee. This reverts to the cash advance rate (21.74% p.a.) after 9 months.
The card has a period of 44 days interest-free on any purchases made. This only applies after the introductory balance transfer period is over.
An introductory balance transfer rate of 0% for 9 months.
Annual Fee
$60 per year
Balance Transfer
0% for 9 months reverts to 21.74% p.a.
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Purchase Rate
0% for 9 months reverts to 20.74% p.a.
Interest Free Period
up to 44 days
Details
Card Type
Visa
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 44
days
Minimum Credit Limit
$2,000
Fees
Annual Fee
$60
per year
Late Payment Fee
$30
per statement
Cash Advance Fee
3.50% or $3.50
per transaction, whichever is greater
Additional Card Holder Fee
$15
per year
Additional Card Holder Cap
up to 4
additional holders
Rates
Purchase Rate
0% for 9 months
reverts to 20.74% p.a.
Cash Advance Rate
21.74% p.a.
Balance Transfer
Balance Transfer
0% for 9 months
reverts to 21.74% p.a.
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
0% BT fee applies. No interest free days apply to retail purchases while you have a Balance Transfer
Balance Transfer Limit
80%
of credit limit
Balance Transfer Fee
0%
per transaction
Transfer Interest Free Days
No
Overseas Spending
Foreign Currency Conversion Fee
3.40%
per transaction
Overseas Cash Advance Fee
1.50% or $30
per transaction, whichever is greater
Eligibility
Minimum Age
18
years old
Minimum Income
$25,000
per year
Rewards
Program
BOQ Q Rewards
Types
Gift Card, Cashback
Reward Rates
Rewards Rate One
1 point(s) per AUD$1
On eligible purchase
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
The target market for the Product is individuals who:
- Are seeking a line of credit facility for everyday spending to earn Rewards Points and make use of complimentary insurances.
- Are an existing BOQ customer or are seeking to be a BOQ customer.
- Meet eligibility criteria and serviceability requirements for the Product.
- Are unlikely to hold substantial balances for prolonged periods except to take advantage of reduced interest rates and/or installment repayments on a Fixed Payment Option or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).
Visit BOQ to view Target Market Determination Effective From: 2023-10-03.
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