Credit Cards | Balance Transfer Offers

Compare credit card offers

Three standout cards, each with a Balance Transfer deal: now’s the time to make your move. Start comparing today.

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Platinum Visa Credit Card

The Platinum rewards card has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points per dollar on spent Eligible Transactions.⁴ Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).¹

0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee.⁷ Reverts to Cash Advance rate.
Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval.⁶

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0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee⁷

Blue Visa Credit Card

Earn 1 Q Rewards® Point per dollar spent on Eligible Transactions⁴ and redeem them for a range of options like Gift Cards, Cashback and Pay with Points.⁴

0% p.a. on Balance Transfers for 6 months with a 1% Balance Transfer Fee.¹³ Reverts to Cash Advance rate.
Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on Eligible Transactions within 90 days from approval.¹²

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0% p.a. on Balance Transfers for 6 months with a 1% Balance Transfer Fee¹³

Low Rate Visa Credit Card

If paying down your balance each month is keep you up, our Low Rate Visa Credit Card can help you keep costs down

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

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0% p.a. on Balance Transfers for 18 months with a 3% Balance Transfer Fee¹⁵

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All Cards

Platinum Visa Credit Card

0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee.⁷ Reverts to Cash Advance rate.
Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on Eligible Transactions within 90 days from approval.⁶

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0% p.a. on Balance Transfers for 12 months with a 3% Balance Transfer Fee⁷

Blue Visa Credit Card

Earn 1 Q Rewards® Point per dollar spent on Eligible Transactions⁴ and redeem them for a range of options like Gift Cards, Cashback and Pay with Points.⁴

0% p.a. on Balance Transfers for 6 months with a 1% Balance Transfer Fee.¹³ Reverts to Cash Advance rate.
Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on Eligible Transactions within 90 days from approval.¹²

Balance Transfers{mark}

0% p.a. on Balance Transfers for 6 months with a 1% Balance Transfer Fee¹³

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Rewards Cards

Low Rate Visa Credit Card

If paying down your balance each month is keep you up, our Low Rate Visa Credit Card can help you keep costs down

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

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0% p.a. on Balance Transfers for 18 months with a 3% Balance Transfer Fee¹⁵

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Low Rate/No Annual Fee

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Frequently asked questions{yellow-border}

Everything you need to know about BOQ credit cards and Balance Transfers.{sub-heading}

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What is a credit card Balance Transfer?

A Balance Transfer involves transferring the balance(s) on your other credit cards or loans to a BOQ Credit Card at a promotional rate for a set period of time. It can be a great way to save on Interest Charges.

What fees are involved with a Balance Transfer?

A Balance Transfer Fee may be applicable on some promotional offers. This fee is calculated as a percentage of the total amount being transferred and is added to the balance transfer amount.

For example, a Balance Transfer amount of $10,000 with an advertised 2% Balance Transfer Fee means the outstanding balance of your credit card will increase by $10,200. $200 of that is the Balance Transfer Fee.

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 (APR) for cash advances.

How long is the interest free period with a Balance Transfer?

While you have a Balance Transfer, retail purchases will not be charged interest if you make your Interest Free Days Payment by the Payment Due Date on your statement.

Is there a limit to how much I can Balance Transfer?

You can transfer up to 80% of your credit limit.

Can I make a Balance Transfer from another BOQ credit card?

No. An existing BOQ credit card balance cannot be transferred to another BOQ branded credit card.

How do I make a Balance Transfer?

You can then apply for a Balance Transfer while your application is being processed. Please call us on 1300 55 72 72 to discuss options for transferring a balance from another financial institution.

When will my Balance Transfer be complete?

A Balance Transfer requested as part of a new credit card application will begin processing 5 days after your application is approved. It may take up to 10 days to be received and processed by the recipient financial institution or credit card provider. If you have not used your credit card account, the processing of your Balance Transfer will be acceptance of the credit card offer and contract.

Who is eligible to make a Balance Transfer?

You are eligible to make a Balance Transfer from a credit card account in your name.

Can I make a Balance Transfer from a non-BOQ Credit Card?

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 as a result are not eligible for a Balance Transfer, including: