Compare credit cards

Compare our credit card offers

Not sure if rewards points or a lower interest rate is more your style? Our easy credit card comparison helps you weigh the options and choose the card that fits your life.{sub-heading}

100,000 bonus Q Rewards Points

Platinum Visa Credit Card{sub-heading}

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50,000 bonus Q Rewards Points

Blue Visa Credit Card{sub-heading}

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0% p.a. on balance transfers for 18 months

Low Rate Visa Credit Card with Balance Transfer Offer{sub-heading}

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Tag

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All, Rewards

All, Balance transfer

Summary{thead}

Unique benefits

Q Rewards® Points bonus offer and travel perks

Q Rewards® Points offer

Lower interest rates plus balance transfer offer

Offer {thead}

Special offers

Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from card approval⁶

0% p.a. on Balance Transfer for 12 months with a 3% Balance Transfer Fee. Reverts to Cash Advance rate.⁷

Earn 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions⁴, plus all the added perks of a platinum credit card.

Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on Eligible Transactions within 90 days from card approval¹²

0% p.a. on Balance Transfer for 6 months with a 1% Balance Transfer Fee. Reverts to Cash Advance rate.¹³

0% p.a. on Balance Transfer for 18 months with a 3% Balance Transfer Fee. Reverts to Cash Advance rate.¹⁵

What does this card offer? {thead}

Special offers

Earn 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions⁴, plus all the added perks of a platinum credit card.

Earn 1 Q Rewards® Points for every 1 dollar spent on Eligible Transactions.⁴

Save more with a low interest rate on your purchases

Rates, fees & limits {thead}

Annual fee

$75 for the first year, and $149 after that⁸

$89

$65

Interest-free period on retail purchases²

Up to 44 days

Up to 55 days

Purchase rate

20.99% p.a.

13.99% p.a.

Cash advance rate

21.99% p.a.

Balance transfer rate

0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter.

0% p.a. on balance transfers for 6 months, reverting to cash advance rate thereafter.¹³

1% fee on balance transfers.

0% p.a. on balance transfers for 18 months, after which the rate reverts to the cash advance rate.15

2% fee on balance transfers.

Credit limit

$6,000 - $100,000

$2,000 - $50,000

$2,000 - $30,000

Credit Card Rewards {thead}

Q Rewards earn rate

Earn up to 2 Q Rewards® Points for every 1 dollar spent on eligible transactions.⁴
Learn more about rewards points

Earn 1 Q Rewards® Points for every 1 dollar spent on Eligible Transactions.⁴

What can I redeem with my Q Rewards?

- EVouchers

-Cash Back Rewards

-Select & Credit

-Points transfer

- EVouchers

-Cash Back Rewards

-Select & Credit

Points capping

Uncapped

n/a

Insurances¹{thead}

Complimentary travel insurances will no longer be available from 15 May 2026. Find out more here

Domestic Rental Vehicle Excess Insurance

Extended Warranty Insurance

Purchase Protection Insurance

Security¹² {thead}

Emergency Card Replacement within 24 hours (Australia)

Additional features¹² {thead}

Worldwide Visa Acceptance

Apple Pay

Google Pay

Samsung Pay

Visa Contactless Payments

BOQ internet banking access

Please Note: Effective 16 November 2025, Shop with Points at Kogan.com will no longer be available as a redemption option. Additionally, Q Rewards® services will be temporarily unavailable. You will be unable to redeem Q Rewards® between 16 and 24 November 2025. From 24 November 2025, Q Rewards® services will be available in the myBOQ app.

Ready to select your credit card?{yellow-border}

Use our credit card offer selector to match features, rates, rewards, and repayment options to your lifestyle.{sub-heading}

Use the credit card selector

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Frequently asked questions{yellow-border}

Learn more about BOQ credit cards so you can choose the right card for your life.{sub-heading}

Which credit cards are best for rewards?

There are many factors to consider when choosing a credit card with a rewards program, including the type of rewards you want to earn, the credit card's fees and interest rates, and the eligibility requirements. Some credit cards offer cashback rewards, while others offer points that can be redeemed for travel or other rewards. The BOQ Platinum credit card is a great option as you earn Q Rewards® points which can be used to redeem Giftcards, Cashback, or convert to Velocity or Flybuys points. However, it's important to compare the rewards programs of different credit cards to find the one that best fits your spending habits and financial goals.

How do you compare credit cards?

When comparing credit cards, make sure to compare the fees and interest rates, rewards program, credit score requirements, credit limit, and additional benefits. By comparing credit cards based on these factors, you can find the card that best fits your financial needs and goals. Use our credit card comparison table above to easily compare the BOQ credit cards.

What’s the difference between a credit card and a debit card?

The main difference is that a debit card is linked to your bank account and allows you to spend the money you have in your account. A credit card on the other hand, is a line of credit that allows you to borrow money, up to a certain limit, from a chosen lender. When you make a purchase with a credit card, you are borrowing money from the credit provider. You will need to pay back the amount you have borrowed, plus any interest fees and charges, usually on a monthly basis.

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