Bank of Queensland
Bank of Queensland

BOQ Blue Visa Card

Purchase Rate
20.74% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 44 days
Annual Fee
$60.00
Balance Transfer Rate
0% p.a. for first 18 months
  • 0%p.a. on balance transfers for 18 months, reverting to the cash rate thereafter.
  • Up to 44 days interest-free on purchases.
  • Q Rewards program.
  • Purchase Cover Insurance.
  • Guaranteed Pricing Scheme.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$60.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Take Flight service enable you to redeem points for all airlines including Virgin Blue, JetStar and Qantas using FlightPoints.
  • Q Rewards also offers shopping vouchers that are redeemable from outlets such as Myer, David Jones, Dymocks, Bunnings, Target, Toys R Us and Accor Hotels.

Fee & Repayments

Annual Fee $60.00
Annual Fee First Year $60.00
Rewards Joining Fee $0.00
Supplementary Card Fee $15.00
Minimum Repayment Greater of 2.00% or $0.00
Interest Charged From PurchaseDate
Late Payment Fee $10.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $28,600.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions Points earning per annum will be capped at 65,000. Points do not expire. Point are immediately forfeited when an account is closed.

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $7.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
1. To be eligible for the balance transfer offer you need to apply for the BOQ Blue Visa card by 30 June 2021. 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, for a period of 18 months. The 18 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance Transfers from another Bank of Queensland branded credit facility or an account that is not held within an Australian financial institution or credit card issuer are excluded. For important information to consider before taking up a balance transfer, please visit boq.com.au/balancetransfer 2. Q Rewards® points are earned on Eligible Transactions. Eligible purchase is defined as Eligible Transaction. Eligible Transaction is defined in the Q Rewards® 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 definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears. 3. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance. 4. Complimentary Insurance covers: 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 an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions available at http://www.boq.com.au/important-information/terms-and-conditions which may be amended from time to time. Citi does not guarantee this insurance. 5. BOQ Platinum Visa or Blue Visa Credit cards applied for as part of any application for an eligible BOQ home loan have a $0 annual fee whilst you are a BOQ home loan customer. The standard annual fee applicable for the Platinum Visa or Blue Visa at the relevant time will apply if you cease to be a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and Citigroup's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers. 1 You will earn 80,000 bonus Q Rewards® Points when you spend $3,000 or more on Eligible Transactions in the first 60 days from card approval. Eligible Transaction is defined in the Q Rewards 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 definition. All Q Rewards are subject to the BOQ Q Rewards Terms and Conditions. The bonus Q Rewards Points will be credited to the Primary Cardholder’s Account up to 60 days after meeting the spend criteria. 2 Half annual fee in your first year. You will be charged the standard annual fee, currently $129 in subsequent years 3 To be eligible for the balance transfer offer you need to apply for the BOQ Platinum Visa card by 30 June 2021. 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, for a period of 14 months. The 14 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance Transfer from other Citi-issued credit facilities are excluded. For important information to consider before taking up a balance transfer, please click here. 4 Q Rewards® points are earned on Eligible Transactions. Eligible Transaction is defined in the Q Rewards 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 definition. All Q Rewards points are subject to the BOQ Q Rewards Terms and Conditions. Q Rewards Points never expire while the card remains open and is not in arrears. 6 Complimentary Insurance covers: 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 an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions available at http://www.boq.com.au/important-information/terms-and-conditions which may be amended from time to time. Citi does not guarantee this insurance. 7To be eligible for the balance transfer offer you need to apply for the BOQ Low Rate Visa card by 30 June 2021. 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, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fees will revert to the variable Annual Percentage rate for Cash Advances, 21.49% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance transfers from other Citi-issued credit facilities are excluded. For important information to consider before taking up a balance transfer, please click here. Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Citigroup’s standard credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges before making any decision about whether to acquire or continue to hold the product. You can obtain a copy of those documents from any Bank of Queensland branch or by contacting us. Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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