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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. Neither NAB nor any of its related corporations guarantee this insurance.

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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.

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Instalment Plan offers are subject to eligibility and only available if your account is and remains in good standing. Your Instalment Plan uses part of your existing credit limit. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full Terms and Conditions of your Instalment Plan, please refer to the Credit Card Terms and Conditions and Other Important Information.

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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 for full definitions and details.

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Points Transfer is only available on the BOQ Platinum Credit Card.

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Offer commenced 15 June 2026. 100,000 Q Rewards® Bonus Points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 90 days from approval. Purchases must be processed and charged to your account in the first 90 days from 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 Q Rewards® Bonus Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Offer commenced 15 June 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.

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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.

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To be eligible for a $0 annual fee on a BOQ Platinum Visa credit card you need to have an eligible BOQ home loan and be a new credit card customer. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB'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.

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Offer commenced 15 June 2026. 50,000 Q Rewards® Bonus Points will be awarded when $3,500 or more is spent on Eligible Transactions within the first 90 days from approval. Purchases must be processed and charged to your account in the first 90 days from 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 Q Rewards® Bonus Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time without notice. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Offer commenced 15 June 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 6 months. The 6 month promotional period commences when the balance transfer is processed. The balance transfer fee is 1% 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.

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To be eligible for a $0 annual fee on a BOQ Blue Visa credit card you need to have an eligible BOQ home loan and be a new credit card customer. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB'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.

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Offer commenced 15 June 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 18 months. The 18 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.

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To be eligible for the Cash Instalment Plan offer (“Instalment Plan”), you must apply for a BOQ Low Rate Visa Card by 31 August 2025. Your Instalment Plan offer will be available for 60 days from credit card account approval. The Instalment Plan uses part of your existing credit limit. Your credit limit doesn’t change. As you pay off your Instalment Plan amount/s, the amount/s you pay off will become available for you to use again as part of your credit limit and will be subject to the standard Annual Percentage Rates applicable on your account.

You can apply for an Instalment Plan from $500 up to 60% of your available account credit limit. The Instalment Plan offer is 7.99% p.a. for a period of 36 months. During the cycle in which the Instalment Plan is set up, you will be charged an initial interest charge which will be included in the minimum payment due on your next statement. Subsequent statements will include an instalment for each month of the term. Interest will be charged if you fail to pay any amounts due. We may also cancel the Instalment Plan after providing you notice if it remains overdue. If your Instalment Plan is cancelled, the full outstanding balance of your Cash Instalment Plan will revert to the applicable Annual Percentage Rate (APR) for Cash Advances, currently 21.99% p.a. For the full terms and conditions that apply to instalment plans please refer to Credit Card Terms and Conditions and Other Important Information.

Please note that the applicable APR for Cash Advances applies to Balance Transfers, currently 21.99% p.a., unless we have agreed to a promotional rate. We reserve the right to withdraw or change the offer at any time.

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Offer commenced 15 June 2026. 200,000 Q Rewards® Bonus Points will be awarded when $4,500 or more is spent on Eligible Transactions within the first 90 days from approval. Purchases must be processed and charged to your account in the first 90 days from account 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 Q Rewards® Bonus Points will be credited to the Primary Cardholder’s Account within 60 days of meeting the spend criteria. We reserve the right to continue, withdraw or change the offer at any time. This offer is not available when closing or transferring from another BOQ branded credit card account or in conjunction with any other BOQ branded credit card offer.

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Instalment Plan eligibility

Your Instalment Plan offers are subject to eligibility and only available if your account is and remains in good standing (for example - your account is not in default, suspended or closed). Your Instalment Plan uses part of your existing Credit Limit. As you pay off your Instalment Plan, the amount you pay off will become available for you to use again as part of your Credit Limit at the standard Annual Percentage Rate (APR) applicable to your account.

A fee may apply to set up an Instalment Plan.

During the cycle in which an Instalment Plan is set up, you will be charged either an Initial Interest Charge or an Instalment Plan fee which will be included in the Minimum Payment Due on your next statement. Subsequent statements will include an Instalment for each month of the term.

While you have an Instalment Plan, payments will be applied to your Initial Interest Charge or monthly Instalment before all other balances, even if they attract a higher rate of interest.

If you fail to pay the Minimum Payment Due or any other amount by its payment due date, we charge interest on any unpaid Instalment, Instalment Plan fee or Initial Interest Charge component (and any interest calculated on any of them, and any interest on that interest) from the day after the payment due date. It will be calculated using the daily retail rate and the Daily Calculation Method until they are repaid in full. We may also cancel the Instalment Plan(s).

We will tell you if an Instalment Plan amount is overdue before we cancel the Instalment Plan(s). If your Instalment Plan is cancelled, the full outstanding balance of your Instalment Plan will revert to the Retail Purchase interest rate (for Statement Instalment Plan and Transaction Instalment Plan) and the Cash Advance rate (for Cash Instalment Plan).

For the full terms and conditions that apply to Instalment Plans, please refer to the Credit Card Terms and Conditions and Other Important Information.

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Instalment Plan repayments

By requesting an Instalment Plan, you request and if we set it up, we agree that any payments you make to your credit card will be applied first to Instalment Plan amounts that are overdue and due before being applied to other amounts as set out in section 5 of the credit card terms and conditions under the heading 'Instalment Plan - Application of Payments’.

As a result, you may be liable to pay an amount or rate of interest that is greater than what you otherwise would under credit laws if payments had been applied to balances that have a higher rate first, for example, purchases or Cash Advances that are not in an Instalment Plan.

You can withdraw your request to apply payments differently at any time, but if you do, we will cancel your Instalment Plan.

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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 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.

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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.