Bank of Queensland
BOQ Platinum Visa Credit Card
Bank of Queensland · cred and chrg cards
Provider last updated this product 2026-09-01.
Go to provider
You'll complete your application on
Bank of Queensland's website. Confirm the rate and fees with them
before applying.
Everything you need, with all of the platinum credit card benefits – including 2 Q Rewards® points for every dollar spent on eligible transactions, purchase protection insurance, international and domestic travel insurance, and more.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Percentage Rate) that applies to each balance type (e.g. a balance transfer) also applies to related fees and interest. The Retail APR applies to retail purchase balance. To calculate that interest, we multiply the applicable daily percentage rate by the daily unpaid balance of its balance type (including related fees and interest) for each day of that statement period, and then add those amounts together. The daily percentage rate is the applicable APR divided by 365. Information on any APR is available on request. | |||||||
| PURCHASE | 20.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Percentage Rate) that applies to each balance type (e.g. a balance transfer) also applies to related fees and interest. The Retail APR applies to retail purchase balance. To calculate that interest, we multiply the applicable daily percentage rate by the daily unpaid balance of its balance type (including related fees and interest) for each day of that statement period, and then add those amounts together. The daily percentage rate is the applicable APR divided by 365. Information on any APR is available on request. | |||||||
| BALANCE TRANSFER | 21.99% | - | OTHER | OTHER | - | 13+ months | calculated daily, paid monthly |
| Balance Transfer rate reverts to the variable Annual Percentage Rate for Cash Advances at the end of promotional period. | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 12 months | 1 - 12 months | calculated daily, paid monthly |
| Earn 100,000 Q Rewards Bonus Points & 0% p.a. on Balance Transfers for 12 months. When you spend $4,500 on eligible purchases within 90 days from approval. Annual fee of $75 for the first year, and $149 after that. With a 3% Balance Transfer Fee. Reverts to Cash Advance rate thereafter. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| International Transaction Fee | PURCHASE | 3.30% | For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant. |
| Paper Statement Fee | PERIODIC | $2 | For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances. |
| Overlimit Fee | EVENT | $0 | Fee per statement period when your credit limit is exceeded. $40 for accounts approved prior to 1 July 2012. |
| Dishonour Fee | DISHONOUR | $10 | Fee for each time a cheque or Direct Debit payment is dishonoured. |
| International Cash Advance | CASH_ADVANCE | 1.50% | International cash withdrawals made outside Australia on your credit card. Minimum fee amount of $4.00 and maximum amount of $30.00 debited to your Account on the Transaction Date. |
| Domestic Cash Advance below $100 | CASH_ADVANCE | $3.50 | Domestic cash withdrawals from your credit card. |
| Domestic Cash Advance above $100 | CASH_ADVANCE | 3.50% | Domestic cash withdrawals from your credit card.. For any Cash Advance equal to or over $100 debited to your Account on the Transaction Date. |
| Late Payment Fee | LATE_PAYMENT | $30 | Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. |
| Annual fee | PERIODIC | $149 | - |
| Balance Transfer fee | TRANSACTION | 3.00% | The balance transfer fee is 3% of the balance transferred |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Priority 24/7 customer service for your card enquiries.
- $1,000 daily cash advance limit through ATMs.
Who can apply
- min income - 35000.0000000000Earn a taxable income of $35,000 per year or more
- otherHave a good credit rating
- residency status - Resident or CitizenBe a permanent Australian resident or citizen
- min age - 18Be at least 18 years of age
- natural person
Limits
- min limit - 6000.0000000000
- max limit - 100000.0000000000
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-01T01:59:29Z · Product ID: 78126e21-102c-ee11-9966-002248e1dc43