# Source: https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card

[Jump to Main](#main) 

[  ](https://www.boq.com.au/) 

 Personal 

[ Business ](https://www.boq.com.au/business/) 

 More 

[Search](https://www.boq.com.au/search "Search")

[Help](https://www.boq.com.au/personal/help-and-support/ "Help")

* Login  
   * [myBOQ Internet BankingFor myBOQ customers who have a Everyday Account, Smart Saver or Future Saver Account, Simple Saver, Term Deposit or Credit Card.](https://internetbanking.boq.com.au/login "myBOQ Internet Banking|For myBOQ customers who have a Everyday Account, Smart Saver or Future Saver Account, Simple Saver, Term Deposit or Credit Card.")  
   * [BOQ Classic Internet BankingFor BOQ customers who have any other accounts with us.](https://www.ib.boq.com.au/boqbl/BankFast-Enterprise-Logon "BOQ Classic Internet Banking|For BOQ customers who have any other accounts with us.")  
   * [Self-Service Hub](https://www.boq.com.au/personal/help-and-support/online-banking/self-service-hub "Self-Service Hub")  

   * [Retrieve saved application](https://onlineapplications.boq.com.au/?%5Fgl=1%2A1qnkl8b%2A%5Fgcl%5Fau%2ANzQ2MzI3NDg2LjE3NjI4NDAxMzA.%2A%5Fga%2AMTQ5NTU4NDE1Mi4xNzYyODQwMTMw%2A%5Fga%5FHB7PSFRPM5%2AczE3NjkwNDUyMTUkbzEwNiRnMSR0MTc2OTA0NjYxOSRqNDgkbDAkaDA.#/login&Product%5Fname=Car%20Insurance&Referrer=&Medium=&Campaign= "Retrieve saved application")  
   * [Manage Data Sharing](https://www.boq.com.au/personal/help-and-support/bank-accounts/openbanking "Manage Data Sharing")

[Bank & Save ](https://www.boq.com.au/personal/banking)

* [Transaction accounts](https://www.boq.com.au/personal/banking/transaction-accounts)
* [Savings accounts](https://www.boq.com.au/personal/banking/savings-and-term-deposits)
* [Term deposits](https://www.boq.com.au/personal/bank-and-save/term-deposits)
* [Compare accounts](https://www.boq.com.au/personal/banking)

[Home Loans ](https://www.boq.com.au/personal/home-loans)

* [Refinancing](https://www.boq.com.au/personal/home-loans/home-loan-refinancing)
* [Investor](https://www.boq.com.au/personal/home-loans/buying-an-investment-property)
* [First home buying](https://www.boq.com.au/personal/home-loans/buying-your-first-home)
* [Rates](https://www.boq.com.au/personal/help-and-support/rates-and-fees/home-loan-rates-owner-occupier)

[Credit Cards ](https://www.boq.com.au/personal/credit-cards)

* [Rewards cards](https://www.boq.com.au/personal/credit-cards/rewards-and-benefits)
* [Compare cards](https://www.boq.com.au/personal/credit-cards/compare-credit-cards)
* [Rates and Fees](https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards)
* [Payment Options](https://www.boq.com.au/personal/help-and-support/credit-cards/payment-options)

[Insurance ](https://www.boq.com.au/personal/insurance)

* [Home insurance](https://www.boq.com.au/personal/insurance/home-and-contents-insurance)
* [Car insurance](https://www.boq.com.au/personal/insurance/car-insurance)
* [Landlord Insurance](https://www.boq.com.au/personal/insurance/landlord-insurance)

### We've got your back with $2k cashback

Switch your home loan to BOQ, and get $2,000 cashback [32](#tnc-32) and great rates.

[Find out more](https://www.boq.com.au/personal/home-loans/) 

[Business Banking ](https://www.boq.com.au/business/business-bank-accounts)

* [Business accounts](https://www.boq.com.au/business/business-bank-accounts)
* [Business loans](https://www.boq.com.au/business/loans-and-finance)
* [Equipment finance](https://www.boq.com.au/business/loan-and-finance/equipment-and-vehicle-finance)
* [Merchant services](https://www.boq.com.au/business/merchant-and-payment-products)

[Agribusiness ](https://www.boq.com.au/business/industry-specialists/agribusiness)

* [Loans and Finance](https://www.boq.com.au/business/industry-specialists/agribusiness/loans-and-finance)
* [Farm Management](https://www.boq.com.au/business/business-bank-accounts/industry-specialist-accounts/farm-management-solutions)
* [Equipment and Finance](https://www.boq.com.au/business/loan-and-finance/equipment-and-vehicle-finance/)
* [Find your Agribusiness Manager](https://www.boq.com.au/business/industry-specialists/agribusiness/our-people)

[Business Support ](https://www.boq.com.au/business/small-business)

* [Business planning](https://www.boq.com.au/business/small-business)
* [Cash flow tools](https://www.boq.com.au/business/small-business)
* [Financial advice](https://www.boq.com.au/business/small-business)
* [Business insights](https://www.boq.com.au/business/small-business)

### Bank of backing your next business move

Enjoy up to $5k in valuation fees waived plus a $500 Visa e-gift card on new eligible business loan applications. Limited time offer. T&Cs and eligibility criteria apply.¹

[Learn more](https://www.boq.com.au/business/loan-and-finance/business-loans/) 

[About Us ](https://www.boq.com.au/about-us)

* [Company overview](https://www.boq.com.au/about-us)
* [Media centre](https://www.boq.com.au/about-us/media-centre/)
* [Careers](https://www.boq.com.au/about-us/careers)
* [Blog](https://www.boq.com.au/blog)

[Shareholder Centre ](https://www.boq.com.au/shareholder-centre/my-shareholding/)

* [My shareholding](https://www.boq.com.au/shareholder-centre/my-shareholding/)
* [ASX announcements](https://www.boq.com.au/about-us/media-centre/asx-announcements)
* [Financial information](https://www.boq.com.au/shareholder-centre/financial-information/)
* [Sustainability](https://www.boq.com.au/sustainability)

[Help & Support ](https://www.boq.com.au/help-and-support)

* [Contact us](https://www.boq.com.au/help-and-support)
* [Find a branch or ATM](https://www.boq.com.au/help-and-support/find-a-branch-or-atm)
* [Important information](https://www.boq.com.au/help-and-support)
* [FAQs](https://www.boq.com.au/help-and-support/faqs)

We've announced changes to our lending interest rates following the RBA's rate change.

[Learn more](https://www.boq.com.au/personal/help-and-support/rates-and-fees/interest-rate-hub "Learn more")

Dismiss

1. [Home](https://www.boq.com.au/)
2. [Personal](https://www.boq.com.au/personal/)
3. [Credit Cards](https://www.boq.com.au/personal/credit-cards/)
4. Platinum Rewards Credit Card

# Platinum Visa Credit Card

Enjoy the benefits of our most rewarding credit card with Complimentary Insurances[1](#) and our highest Q Rewards® Points earn rate.[4](#)

**[Apply Now](https://application.boq.com.au/boq-forms/boq-card/boq-card-apply?channel=&productId=p&offerId=pbp "Apply Now")**

Offer

## 100,000 Bonus Points Offer

* Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval.[6](#)
* Annual fee of $75 for the first year, and $149 after that.[8](#)
* 0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee.[7](#) Reverts to Cash Advance rate thereafter.

**[Apply Now](https://application.boq.com.au/boq-forms/boq-card/boq-card-apply?channel=&productId=p&offerId=pbp "Apply Now")**

*   
### Up to 44 days interest free  
Interest free period on retail purchases[2](#)
*   
### Q Rewards®  
Earn 3 Q Rewards® Points per $1 spent on Eligible Transactions at major supermarkets, 2 Points per $1 spent on Eligible Transactions at major restaurants, and 1 Point per $1 on all other Eligible Transactions.[22](#)
*   
### Complimentary Insurances  
Stay protected against accidental damage and theft with Mobile Phone Insurance.[23](#)  
Access Purchase Protection and Extended Warranty Insurance.[1](#)
*   
### Instalment Plans  
Make your repayments in monthly instalments at a fixed rate over a set term.  
[Learn more about Instalment Plans](https://www.boq.com.au/personal/help-and-support/credit-cards/instalments "Learn more about Instalment Plans")

## Credit card rates and fees

A full list of fees and charges are provided in our [Credit Card Rates and Fees page](https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards "Credit Card Rates and Fees page")

[](javascript:void%280%29)[](javascript:void%280%29)

| Annual fee               | $75 for the first year, and $149 after that[8](#) |
| ------------------------ | ------------------------------------------------- |
| Interest Free Days[2](#) | Up to 44 Interest-free days on purchases          |
| Retail purchase rate     | 21.99% p.a.                                       |
| Cash advance rate        | 21.99% p.a.                                       |
| Minimum Credit Limit     | $6,000                                            |

 Drag from left to right or swipe to explore content

Interest Free Period applies to Retail Purchases if you pay the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer and/or Instalment Plan) in full shown on your statement by the Payment Due Date.

We can’t process balance transfers from certain issuers – see our indicative list.[21](#)

## Choose how you use your Q Rewards®

Turn your everyday spending into rewards you’ll love with Q Rewards®

*   
#### Turn your Q Rewards® Points into Cashback  
Your Q Rewards® Points can be redeemed for Cashback, which you can put towards other purchases on your credit card account.[4](#)  
40,000 Q Rewards® Points will get you $100 cashback.
*   
#### Pay with Points  
Redeem your Q Rewards® Points to receive a credit back on almost anything. 40,000 Q Rewards® Points equals a $108 credit.[20](#)
*   
#### Treat yourself with Gift Cards  
Redeem your Q Rewards® Points for gift cards from a great range of retailers[4](#) such as Bunnings, Woolworths, Coles, JB Hi-Fi and Myer. 40,000 points will get you a $100 Giftcard.
*   
#### Switch your Q Rewards® to Flybuys or Velocity Points  
Get even more choices by converting your Q Rewards® Points to Flybuys or Velocity Points.[4](#) Transfer 2 Q Rewards® Points for 1 Flybuys Point, or 4 Q Rewards® Points for 1 Velocity Point.

## Ready to apply for your Platinum Visa Credit Card?

**To be eligible to apply, you must:**

* Be 18 years or older
* Be a Permanent Australian resident and an Australian resident for tax purposes
* Have a valid Australian mobile number and email address
* Receive a regular income (you may be asked to provide payslips or bank statements.)
* Have a good credit rating

**What you’ll need for your application**

* Your income, debt and expense details
* Your Driver Licence number (if you have one)
* Your current employment status
* Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit
* Applying online will take around 20 minutes

[Apply Now](https://application.boq.com.au/boq-forms/boq-card/boq-card-apply?channel=&productId=p&offerId=pbp "Apply Now")

## Frequently asked questions

Didn’t find what you were looking for? Go to our help and support page to find out more

[Read more FAQs](https://www.boq.com.au/personal/help-and-support/faqs/credit-card-faq "Read more FAQs")

#### What is a rewards credit card?

It’s a credit card that offers Points when you make Eligible Transactions[4](#) with your card. You can use these Points to redeem for a range of Rewards.

#### What can I use my Q Rewards® Points for?

There are a variety of ways your can use your Q Rewards® Points, the choice is yours for what Rewards you’d like to redeem them for:

* Cashback for a credit to your account
* Pay with Points for a credit to your account on selected transactions
* Giftcards from a great range of retailers
* Convert your Q Rewards® Points to Velocity Points and use them for travel or Flybuys Points and get even more choice on how to spend them.

#### How does credit card interest work?

The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments.

#### How do I apply for a credit card?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 10 minutes to complete if you have all your info on hand, and once approved we'll have your card out to you within 10 working days. We'll need to know your age (minimum age is 18 years), Australian residency status, your driver’s license if you have one and your current financial details, including employment and monthly expense and income details.

#### How is my credit limit determined?

Your credit limit is determined when we apply our credit assessment criteria to your individual financial situation.

#### How does the interest-free period work?

You'll enjoy interest-free days on all purchases, providing you repay the full balance on your card each month, excluding any fixed payment option balance which isn’t due for payment by that payment due date.

Interest-free periods also don't apply to cash withdrawals, and you will incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.

## Useful Forms and Documents

Didn’t find what you were looking for? Go to our help and support pages to find out more.

[Find help](https://www.boq.com.au/personal/help-and-support/ "Find help")

_[Forms and Important Information](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/#credit-card-terms-and-conditions "Forms and Important Information")_

## Compare credit cards

If this card isn’t quite what you’re looking for, check out our other rewarding credit cards.

[Compare Credit Cards](https://www.boq.com.au/personal/credit-cards/compare-credit-cards "Compare Credit Cards")

### We're here to help.

*   
#### Call us  
#### [1300 55 72 72](tel:1300557272 "1300 55 72 72")
*   
#### Contact us  
#### [Get in touch](https://www.boq.com.au/contact-us/ "Get in touch")
*   
#### Visit  
#### [Find a branch or ATM](https://find.boq.com.au/ "Find a branch or ATM")

### Important information

Fees, charges and earn rates (if applicable) are subject to change from 1 October 2026\. If we make changes, these will be communicated in accordance with our terms & conditions.

Fees and charges are payable. NAB's standard credit assessment criteria apply. Terms and Conditions apply and are available [here](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "here"). Offers only available to approved new BOQ Credit Card customers. Introductory offer cannot be used in conjunction with any other credit card offer, including when you take out a Credit Card as part of a home loan package. We reserve the right to continue, withdraw or change the offer at any time without notice. A credit check is performed each time you apply for a credit card. Credit reporting bodies make a record of these enquiries and this information may be used and disclosed for the purposes of assessing your credit worthiness, including your credit score and credit rating. For example, making multiple credit applications over a short period of time could have a negative effect on your credit score, as this may reduce your chances of approval.

* 1  
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the [BOQ Credit Cards Complimentary Insurance Policy Information Booklet](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "BOQ Credit Cards Complimentary Insurance Policy Information Booklet"). Neither NAB nor any of its related corporations guarantee this insurance.
* 2  
An interest free period applies to Retail Purchases if you pay the Closing Balance (or the Interest Free Days Payment, if you have a Balance Transfer and/or an Instalment Plan) shown on your statement in full by the Payment Due Date shown on your statement. No interest free period is available on Cash Advances or Balance Transfers.
* 4  
Q Rewards® Points are earned on Eligible Transactions. An eligible purchase is defined as an Eligible Transaction. An Eligible Transaction is defined in the Q Rewards® Terms and Conditions. Q Rewards® Reward Points and Reward redemptions are subject to the Q Rewards® Terms and Conditions. See the [Q Rewards® Terms and Conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "Q Rewards® Terms and Conditions") for full definitions and details.
* 6  
Offer commenced 6 July 2026\. To be eligible for the 100,000 Q Rewards® Bonus Points offer, you must apply for a new BOQ Platinum Visa Credit Card before the offer is withdrawn, be approved, and spend $4,500 or more on eligible purchases within 90 days from approval. Eligible purchases exclude Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Purchases must be processed and charged to your account in the 90 day period from account approval to count towards the spend criteria.100,000 Q Rewards® Bonus Points will be credited to your Rewards Points Balance within 60 days of meeting the spend criteria provided that your account is open and in good standing (for example – your account is not in default, suspended or closed). Offer not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer. Offer may be withdrawn or changed at any time.
* 7  
Offer commence Oct 1, 2026 Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, and the balance transfer fee, for a period of 12 months. The 12 month promotional period commences when the balance transfer is processed. The balance transfer fee is 3% of the balance transferred and will be debited to your account on the day or the day after your balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Offer may be withdrawn or changed at any time. For important information to consider before taking up a balance transfer, please click here.
* 8  
Subject to your acceptance you will be billed an annual fee of $75 for the first year in accordance with our T&Cs. This will revert to $149 for subsequent years. Annual fees are subject to change. We reserve the right to continue, withdraw or change the offer at any time without notice.
* 20  
Pay with Points is available on eligible transactions and is only available for BOQ Platinum and Blue Visa cardholders. An eligible purchase is a transaction we will present to you in your myBOQ app that can be paid by redeeming your Q Rewards® Points. The types of transactions that may be paid by redeeming your Q Rewards® Points may change and we will present these to you in the myBOQ app.
* 21  
Balance Transfer indicative list  
Balance Transfer involves transferring the balance(s) of your other credit cards or loans to a BOQ Credit Card. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.  
Once your balance(s) have been transferred, you might consider closing the other credit facilities you transferred balances from, as this would not happen automatically  
When considering a Balance Transfer promotion, it’s easy to focus on the low, or zero, interest rate being offered however don’t forget to consider the other features of the card and any applicable terms and conditions of the promotion.  
Most credit cards or loans from other financial institutions are eligible to have balances transferred to a BOQ Credit Card, provided that the card details match the BPAY reference number details of the financial institution. Where those details do not match, we are unable to process a balance transfer.  
We are aware of some financial institutions where card number and BPAY reference number do not match and which as a result are not eligible for a Balance Transfer, including:  
   * Bendigo Bank  
   * ING  
   * Latitude Finance  
   * Great Southern Bank  
   * Heritage Bank  
   * HUMM  
   * Adelaide Bank  
   * credit unions  
   * AMEX cards  
Please note, that this is an indicative list only and may change from time-to-time.  
Balance transfers are not available for Buy Now Pay Later, line of credit, or personal loan products.
* 22  
Whether or not a purchase is eligible to earn Points will be determined based on card scheme information ultimately provided either by the merchant (including individual outlets) or its financial institution (including information about the type of business conducted by the merchant). If, for example, a restaurant is not classified as a restaurant by the card scheme, it will not be treated as a “major restaurant” for calculating Points. Eligible Transaction is defined in the Q Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition of Eligible Transaction in the [Q Rewards Terms and Conditions](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf").
* 23  
Mobile Phone Insurance (Cover) is provided under and by way of a group policy (Group Policy) issued by AIG Australia Limited (ABN 93 004 727 753, AFSL 381 686) (AIG) to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”). NAB is the credit provider and issuer of BOQ Credit Cards. Our/us/we/The BOQ Credit Cards Team means NAB unless the context otherwise requires it. This Cover is available to Cardholders (“you/your”) while you remain an eligible BOQ Platinum Visa Credit Cardholder, subject to NAB’s and AIG’s right to alter the Cover. The terms, conditions and excluded cover are specified in the “**[BOQ Platinum Visa Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "BOQ Platinum Visa Credit Cards Complimentary Mobile Phone Insurance Terms and Conditions")**” as amended from time to time. When eligible, you have the benefit of cover as a third party beneficiary solely by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). To make sure that the Cover meets your needs and is suitable for you and your personal circumstances, these terms and conditions must be reviewed by you and, if necessary, you should also seek independent financial advice. NAB and BOQ are not the issuer or insurer of the Cover. Neither NAB, BOQ nor any of its related corporations guarantee any of the benefits under the Cover. Please note that you must have a contract with a mobile phone provider and a monthly automatic billing arrangement.

[For Target Market Determinations please refer here.](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/tmd "For Target Market Determinations please refer here.")

Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence 244616 (“BOQ”), promotes and distributes the Bank of Queensland Credit Cards (“Credit Cards”). National Australia Bank Limited ABN 12 004 044 937 Australian Credit Licence 230686 (“NAB”) is the credit provider and issuer of the Credit Cards. In relation to credit cards, “our”, “us”, “we”, and/or “The BOQ Credit Cards Team” means NAB unless the context otherwise requires it. BOQ does not and will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards.

Click to Pay is auto enabled by NAB on BOQ Credit Cards.

Enrolment is subject to eligibility criteria set by NAB and the relevant card scheme. You are not required to register or enrol yourself. For more information, please refer to [Click to Pay Terms and Conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "Click to Pay Terms and Conditions")

About Us

* [Company overview](https://www.boq.com.au/about-us/ "Company overview")
* [Media centre](https://www.boq.com.au/about-us/media-centre/ "Media centre")
* [Careers](https://www.boq.com.au/about-us/careers/ "Careers")
* [Blog](https://www.boq.com.au/blog/ "Blog")

Shareholder Centre

* [My shareholding](https://www.boq.com.au/shareholder-centre/my-shareholding/ "My shareholding")
* [ASX announcement](https://www.boq.com.au/about-us/media-centre/asx-announcements "ASX announcement")
* [Financial information](https://www.boq.com.au/shareholder-centre/financial-information/ "Financial information")
* [Sustainability](https://www.boq.com.au/shareholder-centre/sustainability/ "Sustainability")

Help & Support

* [Contact us](https://www.boq.com.au/contact-us/ "Contact us")
* [Find a branch or ATM](https://www.boq.com.au/help-and-support/find-a-branch "Find a branch or ATM")
* [Important information](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/ "Important information")
* [FAQs](https://www.boq.com.au/personal/help-and-support/faqs/ "FAQs")

Connect with us

* [](https://au.linkedin.com/company/bank-of-queensland "linkedin")
* [](https://www.youtube.com/user/BOQOnline "youtube")
* [](https://www.instagram.com/bankofqueensland/ "insta")
* [](https://www.facebook.com/BOQOnline/ "facebook")

© 2026 Bank of Queensland Limited TM ABN 32 009 656 740 (BOQ) AFSL and Australian Credit Licence No 244616\. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.

BOQ Group acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the land where we live and work. We pay our respects to Elders past and present.

[Financial Difficulty Assistance](https://www.boq.com.au/personal/help-and-support/financial-difficulty-assistance/ "Financial Difficulty Assistance") | [Terms and Conditions](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/ "Terms and Conditions") | [Privacy Policy](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/privacy/ "Privacy Policy") | [Exception Fees Policy](https://www.boq.com.au/personal/help-and-support/forms-and-important-information/exception-fees "Exception Fees Policy") | [Banking code of practice](https://www.boq.com.au/content/dam/boq/files/terms-and-conditions/code-of-banking-practice.pdf "Banking code of practice") | [BSB 124-001](https://www.boq.com.au/personal/help-and-support/bank-accounts/bsb "BSB 124-001")

---

# Source: https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/qrewards-terms-conditions.pdf

1 
Q   Rewards ® 
Terms and 
Conditions 
October 2026 
Primary Use Rev

2 
Contents 
1   Definitions   3 
2   Participation   6 
3   Accumulation   of   Reward   Points   7 
4   Limitations   on   and   Loss   of   Reward   Points   8 
5   Redeeming   Reward   Points   9 
6   Giftcards   10 
7   Cashback   10 
8   Pay   with   Points   1 0 
9   Airline,   Hotel   and   Other   Loyalty   Programs   1 1 
10   Autoredemption   1 1 
11   Disclaimer   1 2 
12   Government   Taxes,   Duties   and   Charges   1 3 
13   General   1 3 
Bank   of   Queensland   Limited   ABN   32   009   656   740,   Australian   Credit 
Licence   244616   (“BOQ”),   promotes   and   distributes   the   Bank   of 
Queensland   Credit   Cards   (“Credit   Cards”).   National   Australia   Bank 
Limited   ABN   12   004   044   937   Australian   Credit   Licence   230686 
(“NAB”)   is   the   credit   provider   and   issuer   of   the   Credit   Cards.   Our/us/ 
we/The   BOQ   Credit   Cards   Team   means   NAB.   NAB   is   also   the   provider 
of   the   rewards   program   in   these   terms   and   conditions.   BOQ   does   not 
and   will   not   guarantee   or   otherwise   support   NAB’s   obligations   under 
the   contracts   or   agreements   connected   with   the   Credit   Cards.

3 
For all customers 
participating in 
Q   Rewards ® 
These   Terms   and   Conditions   should   be   read 
in   conjunction   with   the   Credit   Card   Terms   and 
Conditions   and   Other   Important   Information   and 
explain   how   Points   can   be   earned   and   redeemed 
using   your   Account.   These   Terms   and   Conditions   will 
apply   to   Cardholders   of   BOQ   Platinum   Visa   Credit 
Card   and   BOQ   Blue   Visa   Credit   Card   Accounts. 
1   Definitions 
In   these   Terms   and   Conditions: 
Account   means   your   unsecured   credit   facility   with   us. 
Additional   Cardholder   means   another   person   who 
you   have   authorised   to   have   a   Card   on   your   Account. 
Airline, Hotel   and/or   Other   Loyalty   Points   means 
Points   earned   or   capable   of   redemption   under   an 
Airline,   Hotel   or   Other   Loyalty   Program. 
Airline, Hotel   and/or   Other   Loyalty   Program   means 
any   participating   loyalty   program   operated   by   a   third 
party   which   has   been   nominated   by   us   in   writing. 
Autoredemption   is   the   automatic   redemption   of 
Reward   Points   with   a   selected   participating   partner, 
as   set   out   in   section   10. 
Bonus   Points   means   Points   available   through   offers 
subject   to   additional   terms   and   conditions. 
Cardholder   means   you   and/or   any   Additional 
Cardholder. 
Cashback   means   the   redemption   of   Points   for   a   credit 
to   your   Account   reducing   your   outstanding   balance. 
Consequential   Loss   means   any   loss   or 
damage   suffered   by   a   party   which   is   indirect   or 
consequential,   loss   of   revenue,   loss   of   profits,   loss   of 
goodwill   or   credit,   loss   of   use,   loss   of   data,   damage 
to   credit   rating,   loss   or   denial   of   opportunity,   or 
increased   overhead   costs.

4 
Earn   Rate   means   the   rate   at   which   you   earn 
Reward   Points   on   Eligible   Transactions,   as   set   out 
in   clause   3.1. 
Eligible   Transaction   means   any   purchase   excluding 
(but   not   limited   to): 
a)   Cash   Advances   (which   include   bills   paid   over 
the   counter   at   a   bank,   financial   institution   or 
post   office,   and   the   purchase   of   travellers 
cheques); 
b)   bank   fees,   charges   and   interest   (including   any 
GST   payable   on   any   of   these)   applicable   to   your 
Account   or   use   of   the   Card   or   to   Q   Rewards®; 
c)   government   related   transactions   (includes 
transactions   with   Australian   and   overseas 
government   entities,   semi-government   entities, 
or   related   agencies   -   for   example,   but   not 
limited   to,   Australia   Post,   council   rates,   motor 
registries,   fines,   and   court   costs).   Classification 
as   a   government   related   transaction   is 
based   on   merchant   or   financial   institution 
data,   so   some   businesses   may   be   treated   as 
government   related   even   if   they   are   not; 
d)   transactions   where   a   Card   is   used   to   make 
payments   to   the   Australian   Taxation   Office 
(ATO); 
e)   Balance   Transfers,   except   where   Bonus   Points 
may   be   earned   under   a   Special   Promotion 
specifically   for   Balance   Transfers   according   to 
additional   terms   and   conditions; 
f)   transactions   related   to   Special   Promotions, 
except   where   Bonus   Points   may   be   earned 
under   a   Special   Promotion   according   to 
additional   terms   and   conditions; 
g)   where   a   Card   is   used   to   access   linked 
transaction   accounts; 
h)   purchase   of   foreign   exchange,   travellers 
cheques   or   money   orders; 
i)   transactions   we   decide   (acting   reasonably)   are 
wholly   or   partly   for   business   purposes;

5 
j)   any   transactions   where   your   Account   is,   or 
is   reasonably   believed   by   us   to   be,   operated 
fraudulently,   except   where   you   reasonably 
demonstrate   that   your   Account   was   not 
operated   fraudulently; 
k)   unauthorised   purchases   for   which   you   are   not 
liable; 
l)   transactions   where   a   Card   is   used   to   make 
purchases   through   BPAY®; 
m)   transactions   for   gambling   and   gaming 
purposes   (examples   include   purchase   of   lottery 
tickets,   purchase   of   gaming   chips   or   tokens   and 
online   gambling);   or 
n)   transactions   for   investments,   such   as 
investments   in   shares. 
Please   note   that   whether   or   not   a   transaction   is   an 
eligible   transaction   will   be   determined   based   on 
information   provided   either   by   the   merchant   or   the 
relevant   financial   institution   (including   information 
about   the   type   of   business   conducted   by   the 
merchant). 
Giftcards   are   redeemable   across   selected 
merchants   and   may   be   issued   by   third   parties. 
Internet   Banking   means   the   online   services 
provided   by   BOQ   that   permit   Cardholders   to   access 
certain   Account   services   via   the   internet,   through 
the   myBOQ   app   or   other   digital   channels   that   we   tell 
Cardholders   can   be   used   to   access   your   Account. 
NAB/our/us/we/The   BOQ   Credit   Cards   Team 
means   National   Australia   Bank   Limited   (ABN   12 
004   044   937,   AFSL   and   Australian   Credit   Licence 
230686),   the   credit   provider   and   issuer   of   BOQ 
Credit   Card   Products. 
Pay   with   Points   means   to   redeem   a   nominated 
number   of   Points   via   Internet   Banking   against 
certain   transactions   presented   to   and   selected   by 
you   for   a   credit   back   to   your   Account.   This   may   not 
be   available   for   all   transactions   on   your   Account.

6 
Primary   Cardholder   means   the   person   in   whose 
name   the   Account   is   held   and   who   is   responsible   for 
all   transactions   on   the   Account. 
Q   Rewards®   means   the   rewards   program   offered   by 
us   as   described   in   these   Terms   and   Conditions   and   in 
promotional   material   as   amended   from   time   to   time. 
Reward   Points   or   Points   are   the   points   earned   on 
Eligible   Transactions. 
Reward   Points   Balance   is   the   current   balance   of 
your   Reward   Points   at   any   given   time   which   appears 
in   Internet   Banking. 
Reward   means   the   goods   and   services   described 
in   the   current   promotional   material   or   otherwise 
offered   by   Q   Rewards®   from   time   to   time   and 
includes   Giftcards,   Cashback,   Pay   with   Points   and 
Points   transfer   to   Airline,   Hotel   or   Other   Loyalty 
Programs. 
you/your   means   the   person   in   whose   name   the 
Account   is   opened. 
Any   other   capitalised   terms   used   in   these   Terms   and 
Conditions   have   the   same   meaning   as   in   the   Credit 
Card   Terms   and   Conditions   and   Other   Important 
Information. 
2   Participation 
2.1   You   are   eligible   to   participate   in   Q   Rewards® 
unless   your   Account   does   not   entitle   you   to 
participate,   or   you   are   a   corporation,   firm, 
partnership   or   any   other   such   legal   entity. 
2.2   The   first   use   (which   includes   an   Eligible 
Transaction,   Card   activation   or   a   payment   to 
the   Account)   of   your   Account   will   constitute 
agreement   to   these   Terms   and   Conditions. 
These   Terms   and   Conditions   form   part   of   the 
Credit   Card   Terms   and   Conditions. 
2.3   Additional   Cardholders   are   not   eligible   to 
participate   in   Q   Rewards®,   unless   otherwise 
specified   in   these   Terms   and   Conditions. 
However,   you   are   able   to   earn   Points   on   Eligible 
Transactions   made   by   Additional   Cardholders.

7 
3   Accumulation   of   Reward   Points 
3.1   Reward   Points   are   calculated   in   respect   of 
Eligible   Transactions   as   set   out   below   and   are 
based   on   the   Australian   Dollar   amount   of   the 
Eligible   Transaction   at   the   time   it   is   processed 
by   us,   rounded   to   the   nearest   whole   point. 
Card   Earn   Rate 
BOQ   Blue   Visa   Credit 
Card 
1   Point   per   dollar 
spent   on   an   Eligible 
Transaction. 
BOQ   Platinum   Visa 
Credit   Card 
3   Points   per   dollar 
spent   on   an   Eligible 
Transaction   made   at 
major   supermarket 
chains.^ 
2   Points   per   dollar 
spent   on   an   Eligible 
Transaction   made   at 
major   restaurant   or 
restaurant   chains.^ 
1   Point   per   dollar 
spent   on   an 
Eligible   Transaction 
everywhere   else. 
^Whether   or   not   a   purchase   is   eligible   to 
earn   Points   will   be   determined   based   on   card 
scheme   information   ultimately   provided   either 
by   the   merchant   (including   individual   outlets) 
or   its   financial   institution   (including   information 
about   the   type   of   business   conducted   by   the 
merchant).   If,   for   example,   a   restaurant   is   not 
classified   as   a   restaurant   by   the   card   scheme, 
it   will   not   be   treated   as   a   “major   restaurant”   for 
calculating   Points. 
3.2   It   will   take   up   to   60   days   after   an   Eligible 
Transaction   has   been   processed   by   us   for 
Reward   Points   to   be   allocated   to   you,   or   such 
other   period   as   we   may,   acting   reasonably, 
communicate   to   you   from   time   to   time.

8 
3.3   You   may   also   earn   Bonus   Points   subject   to   any 
additional   terms   and   conditions   we   may   provide 
at   the   time   of   a   particular   transaction   or   offer. 
3.4   Except   where   these   Terms   and   Conditions   or   a 
Reward   expressly   permits,   Reward   Points   have 
no   monetary   value,   are   not   transferable   and 
cannot   be   redeemed   for   cash. 
3.5   You   can   view   your   Reward   Points   Balance   via 
Internet   Banking. 
4   Limitations   on   and   Loss   of 
Reward   Points 
4.1   You   will   only   earn   Reward   Points   on   Eligible 
Transactions,   or   as   otherwise   advised   according 
to   any   additional   terms   and   conditions. 
4.2   If   you,   or   an   Additional   Cardholder,   receive(s) 
a   refund   or   reimbursement   (for   example 
returned   goods   or   services),   a   Chargeback   is 
made   to   your   Account,   or   where   Points   were 
incorrectly   credited,   the   reversed   transaction 
or   incorrectly   credited   Points   will   be   deducted 
from   your   Reward   Points   Balance. 
4.3   From   the   time   you   ask   us   to   close   your   Account, 
you   will   no   longer   be   able   to   earn   or   redeem 
Reward   Points. 
4.4   We   may,   acting   reasonably,   suspend   or 
terminate   your   participation   in   Q   Rewards®   if: 
a)   your   Account   is   suspended   under   the 
Credit   Card   Terms   and   Conditions; 
b)   in   our   reasonable   opinion,   any   Cardholder 
has   materially   breached   these   Q   Rewards® 
Terms   and   Conditions   or   the   Credit   Card 
Terms   and   Conditions   including   but 
not   limited   to   earning   Reward   Points 
by   claiming   business   purchases   on   your 
personal   Account;   or 
c)   if   we   receive   notification   that   you   have 
passed   away.

9 
4.5   If   you   are   in   breach   of   your   Credit   Card   Terms 
and   Conditions   and   your   Account   is   suspended 
or   cancelled,   your   Reward   Points   Balance 
will   be   frozen,   you   will   not   earn   Points   on 
Eligible   Transactions,   and   you   will   not   be   able 
to   redeem   Reward   Points.   If   your   Account   is 
returned   to   good   standing,   we   will   reinstate 
your   right   to   participate   in   Q   Rewards®   unless 
we   reasonably   believe   that   the   Reward   Points 
were   not   properly   earned. 
4.6   If   we   notify   you   that   your   Account   is   no   longer 
suspended   (including   because   your   Account 
suspension   has   been   lifted),   your   Reward   Points 
Balance   will   be   reinstated   from   the   date   your 
suspension   ends. 
4.7   Disputes   about   missing   Reward   Points 
(including   where   the   dispute   concerns   your 
participation   in   Q   Rewards®)   will   only   be 
accepted   up   to   12   months   after   the   date   of 
the   relevant   Eligible   Transaction.   We   may, 
acting   reasonably,   require   you   to   provide 
documentary   evidence   to   support   your   claim. 
5   Redeeming   Reward   Points 
5.1   Pursuant   to   these   Terms   and   Conditions   and 
any   additional   terms   and   conditions   made 
available   to   you   either   by   us   or   the   supplier   of 
a   Reward,   you   may   redeem   Rewards   Points   for 
Rewards   options   we,   acting   reasonably,   provide 
to   you   via   Internet   Banking.   We   are   not   liable 
for   any   representation   that   we   make   as   to   the 
monetary   value   of   any   Reward   or   the   difference 
between   the   number   of   Reward   Points 
required   to   redeem   similar   Rewards. 
5.2   The   Reward   Points   you   redeem   will   be 
deducted   from   your   Reward   Points   Balance. 
5.3   An   Additional   Cardholder   cannot   redeem 
Reward   Points. 
5.4   All   Rewards   are   subject   to   availability   and   third 
party   suppliers’   restrictions.

10 
5.5   We   will   only   arrange   for   supply   of   a   Reward   that 
corresponds   with   the   Reward’s   description   in 
any   promotional   material. 
5.6   Once   a   Reward   has   been   redeemed   the 
request   cannot   be   reversed,   cancelled   or 
changed. 
6   Giftcards 
6.1   Upon   redemption   of   a   Giftcard,   we   or   the 
Reward   supplier   will   issue   you   with   the   Reward 
which   will   entitle   you   to   redeem   the   Giftcard 
directly   with   the   relevant   supplier.   You   must 
abide   by   the   terms   and   conditions   provided 
to   you   upon   issuance   of   the   Reward   for   the 
Giftcard. 
6.2   Giftcards   remain   valid   in   accordance   with   the 
dates   specified   by   the   supplier   on   the   Giftcard. 
6.3   Giftcards   may   not   be   replaced   by   the   issuer 
if   lost,   stolen   or   destroyed.   Nor   can   Reward 
Points   for   lost,   stolen   or   destroyed   Giftcards   be 
credited   to   your   Account. 
7   Cashback 
7.1   You   may   redeem   your   Reward   Points   for 
Cashback.   The   amount   of   any   Cashback   is   set 
off   against   the   outstanding   balance   of   your 
Account   on   your   next   statement.   To   keep 
your   Account   in   order,   you   must   disregard 
the   amount   of   any   Cashback   redemption   and 
make   all   payments   as   set   out   in   your   Account 
statement. 
8   Pay   with   Points 
8.1   You   may   use   your   Points   to   pay   for   certain 
selected   transactions   that   we   present   to   you 
via   Internet   Banking   or   any   other   method   we 
make   available   to   you.

11 
8.2   Only   selected   transactions   that   you   have   made 
and   that   we   present   to   you   can   be   redeemed 
using   Pay   with   Points.   You   must   follow   the 
instructions   where   you   are   provided   with   the 
option   to   pay   for   a   selected   transaction   with 
your   Points.   We   will   process   that   credit   to   your 
Account   within   5   Business   Days. 
8.3   Using   Pay   with   Points   for   a   selected   transaction 
does   not   satisfy   your   obligation   to   make   the 
payment   due   on   your   Account   statement.   To 
keep   your   Account   in   order,   you   must   disregard 
the   amount   of   any   Pay   with   Points   redemption 
and   make   all   payments   as   set   out   in   your 
Account   statement. 
9   Airline,   Hotel   and   Other   Loyalty 
Programs 
9.1   You   can   redeem   Points   for   Airline,   Hotel   or 
Other   Loyalty   Points,   as   specified   in   our   current 
promotional   material.   The   types   of   Airline,   Hotel 
or   Other   Loyalty   Points   that   we   offer   may   change 
over   time   because   of   decisions   taken   by   the 
loyalty   program   operator.   Please   refer   to   Internet 
Banking   for   details   of   which   Airline,   Hotel   and 
Other   Loyalty   Points   are   currently   offered. 
9.2   You   must   be   a   member   of   the   Airline,   Hotel   or 
Other   Loyalty   Program   in   which   you   wish   to 
claim   Airline,   Hotel   or   Other   Loyalty   Points   and 
have   advised   us   of   your   Airline,   Hotel   or   Other 
Loyalty   Program   membership   number   prior   to 
any   such   redemption. 
9.3   If   you   are   a   member   of   the   Airline,   Hotel   or 
Other   Loyalty   Program,   you   are   subject   to   the 
terms   and   conditions   of   the   Airline,   Hotel   or 
Other   Loyalty   Program. 
9.4   If   you   redeem   Reward   Points   for   Airline,   Hotel 
or   Other   Loyalty   Points,   the   Airline,   Hotel   or 
Other   Loyalty   Points   may   take   up   to   60   days   to 
appear   in   your   Airline,   Hotel   or   Other   Loyalty 
Program   membership   account.

12 
10   Autoredemption 
10.1   Autoredemption   may   be   available   for 
selected   participating   partners   and   can   be 
setup   via   Internet   Banking.   This   is   subject   to 
the   terms   and   conditions   of   Autoredemption 
with   the   selected   participating   partner, 
which   will   be   made   available   at   the   time   of 
redemption   opt   in. 
10.2   If   you   opt   in   to   Autoredemption,   your   Reward 
Points   Balance   will   be   automatically   transferred 
to   the   selected   participating   partner   at   a   pre- 
determined   interval   advised   at   the   time   of 
redemption   opt   in. 
10.3   The   rate   at   which   Reward   Points   are   redeemed 
will   be   the   current   rate   at   the   time   of   which 
Autoredemption   occurs. 
10.4   You   may   opt   out   of   Autoredemption   at   any 
time   and   will   be   able   to   resume   manual 
redemption   of   your   Reward   Points. 
10.5   Once   Reward   Points   have   been   redeemed 
for   a   selected   participating   partner,   including 
Airline,   Hotel   or   Other   Loyalty   Points,   they   are 
governed   by   the   participating   partner’s   terms 
and   conditions. 
11   Disclaimer 
11.1   We   do   not   accept   any   liability   relating   to 
information   provided   by   third   parties.   All 
descriptions   of   Rewards   in   promotional 
material   are   based   on   information   provided   by 
third   party   suppliers. 
11.2   The   rights,   if   any,   which   you   may   have   in 
connection   with   a   Reward   are   solely   against 
the   third   party   supplier   of   the   Reward.   To   the 
extent   permitted   by   law,   we   do   not   accept 
any   liability   whatsoever   (except   to   the   extent 
such   loss   or   damage   is   caused   by   our   fraud, 
negligence   or   misconduct)   with   respect   to: 
a)   a   Reward   supplied;

13 
b)   any   death   or   injury   or   Consequential   Loss 
or   damage   arising   from   the   supply   of   a 
Reward; 
c)   the   loss,   theft   or   destruction   of   a   Reward; 
or 
d)   any   supplier’s   refusal   to   accept   a   Reward. 
12   Government Taxes, Duties 
and   Charges 
12.1   We   accept   no   liability   in   respect   of   any   taxation 
liability   (including   Goods   and   Services   Tax) 
arising   from   the   redemption   of   Rewards. 
12.2   We   give   no   warranty   and   accept   no 
responsibility   as   to   the   ultimate   taxation 
treatment   of   Rewards   or   Reward   Points. 
You   will   need   to   check   with   your   tax   advisor 
whether   receiving   a   Reward   affects   your   tax 
situation. 
12.3   Any   government   tax   (including   Goods   and 
Services   Tax),   duty   or   other   charges   imposed   by 
law   in   any   country   in   respect   of   participation   in 
Q   Rewards®   whether   arising   out   of   the   accrual 
or   redemption   of   Reward   Points   or   in   relation 
to   the   annual   fee   or   otherwise   shall   be   your   sole 
responsibility. 
13   General 
13.1   You   consent   to   us   or   one   of   our   agents   seeking, 
collecting,   using   or   supplying   any   third   party 
with   such   personal   and   other   information   as   is 
required   in   connection   with   Q   Rewards®. 
13.2   We   will   exercise   any   rights   or   discretions   that 
we   have   under   these   Terms   and   Conditions   in 
a   fair   and   reasonable   manner.   That   includes 
whenever   we   are: 
a)   considering   any   request   you   make;

14 
b)   deciding   whether   to   give   our   consent   or   to 
exercise   a   right,   discretion   or   remedy; 
c)   setting   any   conditions   for   doing   any   of 
those   things;   or 
d)   making   changes   under   clause   13.3 
or   anywhere   else   in   these   Terms   and 
Conditions. 
Examples   of   how   we   will   take   reasonable   steps 
to   ensure   you   are   treated   fairly   include   giving 
you   reasonable   notice   of   changes   and   making 
adjustments   to   your   Points. 
It’s   worth   noting   that   even   if   we   don’t   make   a 
decision   or   do   something   straight   away,   we   may 
still   do   so   later   on.   This   includes   where   we   delay 
or   defer   doing   so,   or   we   temporarily   waive   a 
requirement. 
13.3   We   may   change   any   of   the   Terms   and 
Conditions   of   our   agreement   without   creating 
a   new   agreement.   We’ll   tell   you   about   these 
changes   by   communicating   with   you,   unless   in 
some   scenarios   where   we   may   not   be   required 
to   notify   you.   The   table   below   outlines   the 
different   types   of   changes   we   may   make   and 
when   you   will   be   notified. 
You   are   free   to   close   your   Account   if   you’re   not 
happy   with   any   changes   we   make.

15 
Type   of   Change   When   you’ll   be 
notified 
Change   the   way 
Points   are   earned, 
including   a   change   to 
existing   ways   or   the 
introduction   of   new 
ways   according   to   the 
type   of   card 
At   any   time   without 
prior   notice   (but 
if   the   change   is 
unfavourable,   we 
will   try   to   publish 
details   before   the 
change   takes   effect, 
if   we   are   able   to   do 
so).   We   will   make 
current   information 
about   the   way   to   earn 
Points   available   in   the 
FAQs. 
Change   the   way 
Points   are   redeemed, 
including   the   number 
of   Points   required 
to   redeem   a   Reward 
or   changing   any   fees 
associated   with   a 
redemption 
At   any   time   and 
without   prior   notice. 
Current   information   is 
available   via   Internet 
Banking. 
Change   to   allocation 
of   Points   for   dollar 
spent 
At   any   time   by   giving 
you   at   least   30   days' 
prior   written   notice. 
Change   the   period   of 
expiry   of   Points 
At   any   time   by   giving 
you   at   least   30   days' 
prior   written   notice. 
Changes   that   are 
non-material   in 
nature 
If   we   do   not   need   to 
notify   you,   we   may 
give   you   a   shorter 
notice   period   than 
the   period   described 
in   this   table.   This   will 
be   published   on   the 
website   or   otherwise 
notification   provided 
at   the   time   a   Reward 
redemption   is   made.

16 
Type   of   Change   When   you’ll   be 
notified 
Changes   to   third 
party   points   (such 
as   Airline,   Hotel   and 
Other   Loyalty   Points) 
Subject   to   change   in 
accordance   with   the 
terms   and   conditions 
of   that   program. 
You’ll   be   notified 
directly   by   the   third 
party   program 
provider. 
Introduce   any   fees 
associated   with   a 
redemption 
At   any   time   by   giving 
you   at   least   30   days' 
prior   written   notice. 
Introduce   or   change 
program   features 
and   specific   rewards 
conditions 
At   any   time   by   giving 
you   at   least   30   days' 
prior   written   notice. 
Make   changes   as   a 
result   of   changes 
made   by   our 
suppliers   or   partners 
At   any   time   by   giving 
you   at   least   30   days' 
prior   written   notice. 
Remove   Rewards   At   any   time   and 
without   prior   notice. 
Current   information   is 
available   via   Internet 
Banking.

17 
Bank   of   Queensland   Limited   ABN   32   009   656   740,   Australian   Credit 
Licence   244616   (“BOQ”),   promotes   and   distributes   the   Bank   of 
Queensland   Credit   Cards   (“Credit   Cards”).   National   Australia   Bank 
Limited   ABN   12   004   044   937   Australian   Credit   Licence   230686 
(“NAB”)   is   the   credit   provider   and   issuer   of   the   Credit   Cards.   Our/us/ 
we/The   BOQ   Credit   Cards   Team   means   NAB.   NAB   is   also   the   provider 
of   the   rewards   program   in   these   terms   and   conditions.   BOQ   does   not 
and   will   not   guarantee   or   otherwise   support   NAB’s   obligations   under 
the   contracts   or   agreements   connected   with   the   Credit   Cards. 
A185169-0826 
Primary Use   Secondary Use 
For more information: 
Visit   us   at 
www.boq.com.au/contact-us 
If   you   are   calling   from   within   Australia 
1300 55 72 72 
If   you   are   calling   from   outside   Australia 
+61 7 3336 2420

---

# Source: https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards

# Credit card rates and fees summary

Here you’ll find the rates and fees that are specific to the type of card you have. {sub-heading}

#### BOQ Platinum Visa Credit Card

#### BOQ Blue Visa Credit Card

#### BOQ Low Rate Visa Credit Card

Tag

All Cards, Platinum Visa Credit Card

All Cards, Blue Visa Credit Card

All Cards, Low Rate Visa Credit Card

**Annual fee**

$149\. Annual fees are subject to change.

$89\. Annual fees are subject to change.

$65\. Annual fees are subject to change.

**Retail purchase rate**

21.99% p.a.

21.99% p.a.

13.99% p.a.

**Interest free days on the Retail Purchase Balance**

Up to 44

Up to 44

Up to 55

**Cash advance rate**

21.99% p.a.

21.99% p.a.

21.99% p.a.

**Balance transfer rate on all cards**

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

Reverts to the cash advance rate at end of the offer period.

{empty}

[Learn more](https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card)

[Learn more](https://www.boq.com.au/personal/credit-cards/blue-visa-credit-card)

[Learn more](https://www.boq.com.au/personal/credit-cards/low-rate-credit-card)

### Fees common across all our credit cards

**Annual fee**{grey-column}

**How are Annual Fees charged?**

We will charge the Annual Fee to your Account on the last day of the Statement Period in which first use of the Account (being when a transaction is first debited to the Account including a Balance Transfer) occurs. After that, it will be debited each year on the last day of the Statement Period in which anniversary of the day we approved your Account occurs.

You will be charged an Annual Additional Cardholder Fee for each Additional Card on your Account, with the exception of Platinum Visa cards, where no Annual Additional Cardholder Fee will be charged for Additional Cardholders on your Account. The Additional Cardholder Fee is charged to your Account on the last day of the Statement Period in which an Additional Cardholder is added to your Account or on first use of the Account (whichever is later) and may be calculated pro rata if conditions are met. After that, the Annual Additional Cardholder Fee will be charged per Additional Cardholder each year on the same day as your Annual Fee. Your Financial Table sets out more detail about how this fee is charged.

**Cash Advance Fee - Domestic**

$3.50 per transaction amount or 3.5% of the transaction amount, whichever is higher, for a Cash Advance inside Australia, debited to your Account on the date the Cash Advance takes place.

**Cash Advance Fee - International**

1.5% of the transaction amount for a Cash Advance outside of Australia, minimum of $4, maximum amount $30, debited to your Account on the date the Cash Advance takes place. This fee is in addition to any International Transaction Fee.

**Daily Cash Limits**

A daily limit of $1,000.00 (subject to Available Credit) applies to your Account for Cash Advances made using a Card to withdraw cash at an ATM, any Australia Post outlet displaying the Bank@PostTM symbol or over the counter at any bank in the world that displays the VISA symbol.

**International Transaction Fee**

We charge you an International Transaction Fee of 3.3% of the transaction amount, debited to your Account on the date the relevant Retail Purchase or Cash Advance takes place, of which a service and assessment fee of 1% is payable by us to Visa, for any Retail Purchase or Cash Advance transaction in:

* foreign currency once converted to Australian dollars; and/or
* Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion (that is where a transaction denominated in a foreign currency is converted to local currency which is a service that is offered by certain ATMs and merchants). The process of conversion and the exchange rates applied will be determined by the relevant ATM, merchant or dynamic currency conversion service provider as the case may be. We do not determine whether a Card transaction will be converted into local currency by the merchant or ATM and you may have to check with the relevant merchant or ATM provider.

**Note:** It may also not always be clear that the merchant or its financial institution/payment processor is located or registered overseas.

**Late Payment Fee**

$30 debited to your Account after the Payment Due Date if at the time the fee is debited, your Account has an Overdue Amount and the balance of your Account is $50 or more.

**Note:** This means that you will be charged the fee once for each Statement Period (typically monthly).

You can avoid accidentally incurring a Late Payment Fee by setting up a direct debit. The Direct Debit (Autopay) form can be found [here](https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/direct-debit-request-form.pdf). It provides you with the option to setup an automatic payment on your Payment Due Date for your Total Minimum Payment Due, the Closing Balance or Interest Free Days Payment (if you have a Balance Transfer or Instalment Plan), or a fixed amount.

**ATM Fees**

When you use your BOQ Credit Card at an ATM other than a BOQ ATM, you may be charged a fee by the operator of the relevant ATM network. Any such fee will be disclosed to you before you proceed with the transaction, and you will have the opportunity to cancel the transaction without incurring a fee if you do not wish to proceed.

**Over-the-Counter Fee (Bank@Post)\***

$2.50 fee applies for each payment made to your Account by cash at an Australia Post outlet displaying the Bank@PostTM symbol.

**Paper Statement Fee**

$2 each month we issue you with a paper statement, debited to your Account on the last day of the Statement Period. This may be waived in limited circumstances.

Style

bg-light-grey

## Compare credit cards

Check out all of our credit cards.{sub-heading}

[Compare Credit Cards](https://www.boq.com.au/personal/credit-cards/)

[/fragment/credit-cards/useful-forms-and-documents](https://www.boq.com.au/fragment/credit-cards/useful-forms-and-documents)

Style

bg-light-grey

[/fragment/personal/contact-us/were-here-to-help](https://www.boq.com.au/fragment/personal/contact-us/were-here-to-help)

### Important Information

| Fragment                                                                                                                                   |   |
| ------------------------------------------------------------------------------------------------------------------------------------------ | - |
| [/fragment/terms-and-conditions/credit-cards/credit-cards](https://www.boq.com.au/fragment/terms-and-conditions/credit-cards/credit-cards) | , |

\* Bank@PostTM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. All rights reserved.