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    • Bank of Queensland Gold

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    • Gold card from Bank of Queensland

    • 20.74%

    • 1.90% for 6 months and then 21.74%

    • $120.00

    • 55

    Rewards scheme

    • Q Rewards Program. Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    • You can get flights via Virgin Australia vouchers, Flight Centre Vouchers or TakeFlight.

    Privileges

    • Travel Accident Insurance
    • Purchase Protection

    Value of rewards points

    • Example reward
    • You'd need to spend
    • $100 gift card
    • $27,500
    • $100 cash back
    • $20,000
    • Flight: Sydney-Melbourne
    • $28,050
    • Flight: Sydney-London
    • $343,750
    • Points are capped?
    • at $115,000 pa
    • Points expire?
    • Never

    Details behind our 'value of rewards' calculations

    • Points earning 1.0 points per dollar on Visa, up to 115000 points per year
    • $100 gift card 27500 points buys a Myer $100 Gift Card
    • $100 cash back 20000 points buys a $100 credit
    • Flight: Sydney-Melbourne 35475 points required. 27500 points buys a Virgin Australia $100 Voucher; assumed flight cost is $129
    • Flight: Sydney-London 343750 points required. 275000 points buys a $1,000 Flight Centre Gift Card; assumed flight cost is $1250

    (how did we do it? find out...)

    Rates

    Purchase rate
    20.74%
    Intro purchase rate
    none
    Balance transfer rate
    1.90% for 6 months and then 21.74%
    Balance transfer term
    6 Months
    Balance transfer revert to cash
    yes
    Cash advance rate
    21.74%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $5.00
    Minimum repayment percent
    3.0

    Fees

    Annual card fee
    $120.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $10.00
    Overlimit fee
    $30.00
    Cash advance fee
    $2%, Min of $2, Max $30
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $7.00
    Transaction verification fee
    $8.00
    Additional card fee
    $15.00
    Establishment fee
    $

    Features

    Additional cardholders
    4
    Other restrictions
    none
    Other benefits
    none

    About Bank of Queensland

    Bank of Queensland is Australia’s fastest growing retail bank, and has come a long way from its origins as a regional Queensland bank. BOQ today boasts a wide array of banking services and 200 branches around Australia. Bank of Queensland aims to give you greater control over the management of your finances and offers everyday banking products including credit cards, home loans, term deposits, savings accounts and bank accounts.

    Mozo People's Choice Awards. As voted by the Australian money public. Our Community of 23,000 reviewers gave this provider the thumbs up.

    How are Bank of Queensland credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Bank of Queensland credit cards 6.8 Based on 36
    Bank of Queensland credit card reviews     		6.2 6.2 6.9 7.2 6.8

    Read Bank of Queensland credit card reviews by the Mozo community

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