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BOQ - Platinum Visa Credit Card

The BOQ Platinum Rewards credit card earns 2 Q Rewards Points per $1 spent on eligible purchases. There are up to 55 days interest-free on any purchases made. This interest-free period does not apply when the introductory balance transfer rate is active.

The balance transfer rate for the first 12 months is 0% p.a. and has a 1% fee. The rate reverts to 21.74% p.a. after this time.

Compare Credit CardsProduct Image For BOQ - Platinum Visa Credit Card
There is an introductory balance transfer rate of 0% for 12 months and a bonus 100,000 points when $4,500 is spent in the first 3 months.
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Annual Fee

$65 for the first year reverts to $129 per year thereafter

Minimum Repayment

2% or $30 per statement, whichever is greater

Purchase Rate

20.74% p.a.

Rewards Rate One

2 point(s) per AUD$1 On eligible purchases
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Details

Card Type
Visa
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$6,000

Fees

Annual Fee
$65 for the first year
reverts to $129 per year thereafter
Late Payment Fee
$30
per statement
Cash Advance Fee
3.50% or $3.50
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 4
additional holders

Rates

Purchase Rate
20.74% p.a.
Cash Advance Rate
21.74% p.a.

Balance Transfer

Balance Transfer
0% for 12 months
reverts to 21.74% p.a.
1% 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
1%
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
$35,000
per year
Temporary Residents
No

Rewards

Program
BOQ Q Rewards
Types
Gift cards, Cash back
Bonus
100,000 bonus points

Reward Rates

Rewards Rate One
2 point(s) per AUD$1
On eligible purchases

Perks

Complimentary Travel Insurance
Yes
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 instalment 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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