The BOQ Blue Visa Credit Card is BOQ’s entry level Q Rewards card. It pairs an $89 annual fee with uncapped points and a 0% balance transfer offer, a strong mix for the best credit card Australia shortlist.
BOQ Blue Visa Credit Card: the best credit card for everyday rewards
Every eligible $1 you spend earns 1 Q Rewards point, with no cap. New cardholders also get 50,000 credit card sign up bonus points after spending $3,500 within 90 days of approval.
Redeem 40,000 points for $100 cashback or a $100 gift card, or use Pay with Points for $108 credit. Transfers to Flybuys and Velocity make it a flexible best rewards credit card Australia option.
Is a BOQ credit card worth it?
BOQ is one of Australia’s leading regional banks and one of the few not owned by a big bank. Its group includes ME Bank and Virgin Money Australia, a real alternative when you compare credit cards Australia wide.
Issued by NAB and distributed by BOQ, the Blue Visa adds 0% p.a. on balance transfers for 6 months (1% fee), plus purchase protection and extended warranty insurance. That makes it a handy tool for credit card debt consolidation.
What are the eligibility requirements for a BOQ credit card?
To apply for the BOQ Blue Visa Credit Card, you’ll need to meet the following eligibility criteria:
- Be 18 or older
- Be a permanent Australian resident and an Australian tax resident
- Have a valid Australian mobile number and email address
- Have a regular income (you may need to provide payslips or bank statements)
- Have a good credit rating
How to apply for the credit card
- Check that you meet the eligibility criteria.
- Gather your income, debt and expense details, your employment status and your driver licence number, if you have one.
- Have your balance transfer account details ready if you plan to transfer a balance.
- Click the button below and complete the online application, which takes about 20 minutes.
- Once approved, your card is sent within 10 working days.
- Spend $3,500 on eligible purchases within 90 days of approval to earn your 50,000 bonus points.
Frequently asked questions
How does interest work on the BOQ Blue Visa Credit Card?
Retail purchases and cash advances are charged 21.99% p.a. You get up to 44 interest free days on retail purchases when you pay the closing balance in full by the due date, which keeps your best rewards credit card Australia pick working for you.
If you have a balance transfer or instalment plan, you need to pay the Interest Free Days Payment instead. As a balance transfer credit card, it offers 0% p.a. for 6 months, then the cash advance rate applies. Cash withdrawals get no interest free days.
How can I increase the credit limit on my BOQ Blue Visa Credit Card?
You can ask BOQ for a higher limit through Internet Banking, the BOQ app or by contacting BOQ. As with any credit card online application, BOQ assesses your income and expenses first.
How can I pay my BOQ Blue Visa Credit Card statement?
Pay through the BOQ app, Internet Banking, BPAY or at a BOQ branch, or set up automatic repayments. Clearing the full closing balance helps you get the most from the best credit card Australia perks on this card.
How can I cancel my BOQ credit card?
Contact BOQ through Internet Banking, the app or by phone, and pay off any outstanding balance first. It’s smart to redeem your Q Rewards points and compare credit cards Australia wide before you close.