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Card

BOQ Platinum Visa Credit Card

Offer

BOQ Platinum Visa Credit Card

Public offer

Current terms

Available

Published 2 Oct 2026

Offer terms history
$75 first year annual fee
100,000 points
$6,000 min limit
$35,000 annual income required
1.00 points per dollar
Spend $4,500 in 90 days
Open credit card website
Source wording history

Offer terms

Low Fee

Signup Bonus

100,000 points

BOQ

Minimum Spend

$4,500

within 3 months

Ongoing Earn Rate

1.00x points per $1 spent

Fees

First Year Annual Fee

$75

Ongoing Annual Fee

$149

From year 2 onwards

Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.

Benefits

  • Purchase Protection Insurance
    More details

    Coverage for lost, stolen, or damaged goods within 90 days of purchase for card members, subject to terms, conditions, limits, and exclusions.

  • No Annual Fee
    More details

    No annual fee on a new Platinum Visa Credit Card while the cardholder has a home loan with BOQ. This offer is available only in branch and not in conjunction with other offers.

  • Installment Plans
    More details

    Ability to split purchases into manageable monthly installments over a set term using Instalment Plans feature.

  • Balance Transfer Offers
    More details

    0% p.a. balance transfer for 12 months with a 1% balance transfer fee. Other balance transfer offers include 6 months at 0% p.a. with 1% fee and 18 months at 0% p.a. with 2% fee, subject to terms.

  • Interest Free Periods
    More details

    Up to 44 interest-free days on purchases, unless there is a balance transfer on the account.

  • Travel Insurance
    More details

    Includes complimentary insurance (terms, conditions, limits and exclusions apply); cover detailed in the BOQ Credit Cards Complimentary Insurance Policy Information Booklet

  • Extended Warranty Insurance
    More details

    Includes complimentary extended warranties on eligible purchases (terms, conditions, limits and exclusions apply)

  • Points Transfer Benefits
    More details

    Q Rewards Points can be transferred to Velocity Points

Benefit history

  • Travel InsuranceUpdated May 2026
  • Points Transfer BenefitsUpdated May 2026

I'd like to use my bonus for:

Supermarket Gift Cards
CraigCraig's Analysis
+100,000sign-up bonus
+4,500from $4,500 spend
=104,500BOQ points
→$290in Woolworths gift cards
−$75first-year fees
=$215first-year value

Bonus Difficulty

Easy

●○○

$50 per day required

First Year Cost

$75

annual fee

Bonus Value

$290

104,500 points redeemed in Woolworths gift cards

Earn Rate

Average

●●○○

1.00x BOQ points per $1

Did this help you make a decision?

$215 of profit after meeting spend requirements
+ $290 Woolworths gift cards
- $75
annual fee
$200
x 1
$50
x 1
$20
x 2
in Woolworths gift cards, $290 total, with 700 points remaining.
$200
x 1
$50
x 1
in Coles gift cards, $250 total, with 15,100 points remaining.

Can I get this bonus if I have held a card before?

The bonus holding rule for this offer is unverified. Check the offer terms before applying.

See exclusion periods for every Australian issuer →

Offer terms history

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Terms version 4
Available

Published 2 Oct 2026

Changes from terms version 3

Points Per Dollar:
2.001.00
Interest Rate:
20.9921.99
Terms version 3
Ended

Published 22 Mar 2025

Ended 2 Oct 2026

Changes from terms version 2

Minimum Credit Limit:
6,000
Minimum Income:
35,000
Interest Rate:
21.0020.99
Terms version 2
Ended

Published 1 Nov 2024

Ended 22 Mar 2025

Changes from terms version 1

Annual Fee:
$65$75
Second Year Annual Fee:
$129$149
Terms version 1
Ended

Published 30 Jun 2024

Ended 1 Nov 2024

First recorded terms

Bonus BOQ:
100,000
Annual Fee:
$65
Minimum Spend:
$4,500 in 90 days

Saved notes

Earlier notes about this offer. Note dates are separate from terms publication dates.

  • Expiration changed from 30/04/24 to no expiration
    2 years ago
  • Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $4.5K, Bonus Period from 90 to 90, Annual Fee from $129 to $65
    3 years ago
  • Offer extended to 30 Nov 23
    3 years ago
  • Offer extended to 31 October 2022
    4 years ago
  • Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days
    5 years ago