BOQ Platinum Visa Credit Card (Home loan with BOQ)
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is only for existing customers of the bank.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,500 within 90 days — about $1,500 per month.
Can I get the card?
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
Should I keep it after the first year?
Keeping the card costs $0 each year — the first year was $0.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 2.00x BOQ points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $0/yr to you.
$300 in Woolworths gift cards (107,300 of 109,000 BOQ points; 1,700 left over) − $0 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
No annual fee on your credit card while home loan is with BOQ.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
100,000 points
BOQ
Minimum Spend
$4,500
within 90 days (about 3 months)
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
Free
Purchase Interest Rate
21.00% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (2 changes)
- Travel InsuranceUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
Offer terms history (3 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to no expiration2 years ago
- Expiration changed from 30/11/23 to 30/04/24, Bonus from 150K to 100K, Spend For Bonus from $3K to $45K3 years ago
- Offer extended to 30 Nov 233 years ago
- Offer extend to 31 July 20234 years ago
- Extra home loan bonus removed of 70k Q Reward points removed, annual fee $0 from first year only, to every year, offer extended to 31 October 20224 years ago
- Home Loan bonus increased from 40k to 70k points, spend lowered for home loan bonus4 years ago
- Bonus increased from 120,000 to 150,000 and time limit increased from 60 days to 90 days5 years ago
Discussion
About these ended terms (published 30 Jun 2024) — not the current offer.
Community and personal tools
Track this card, or suggest a correction. Sign-in required.