Bank of Queensland credit cards

Bank of Queensland
Bank of Queensland's overall rating for credit cards

(as rated by the Mozo community)

7.3 / 10

based on 344 reviews

Find the freedom to shop anywhere, anytime with a credit card from Bank of Queensland, winner of a Mozo People’s Choice Award for top credit cards in 2015. We’ve made it easy to compare all the credit card options on offer, so keep reading for all the details you need to know.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Bank of Queensland offer?

Low rate credit cards Low rate credit cards

If the purpose of your credit card is largely to make spending easier, then a low rate credit card might be a good fit. Check out a low rate option from Bank of Queensland to keep credit card costs under control and make shopping a breeze.

Product Purchase rate Balance transfer rate Annual fees Interest free days

13.49% p.a.

0% p.a. for 14 months and then 21.49% p.a.

$55

55


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Low fee credit cards Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days

13.49% p.a.

0% p.a. for 14 months and then 21.49% p.a.

$55

55


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Rewards credit cards Rewards credit cards

Looking to cash in on all the rewards perks of credit card spending? Then check out the rewards credit card on offer from Bank of Queensland. Although there’s a high interest rate to contend with, if you’re a dedicated rewards shopper, you may decide the price tag is worth it for all the cool freebies!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 6 months and then 21.74% p.a.

$60

2 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$129 $0 when you spend over $12,000 p.a, $0 in the first year


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Prestige cards Prestige cards

Want a rewards card with a little extra luxury? Check out a platinum credit card from Bank of Queensland. Although it comes with a hefty interest rate and higher annual fee than it’s non-premium counterpart, you’ll be able to cash in with increased rewards power and a bunch of cool premium perks like complimentary insurance cover.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

2 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 12 months and then 21.74% p.a.

$129 $0 when you spend over $12,000 p.a, $0 in the first year


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Bank of Queensland credit cards

How many interest free days will I get with a Bank of Queensland credit card?

Making the most of your interest free days is one of the best ways to keep your credit card balance under control. With a Bank of Queensland credit card, you’ll have either 55 or 44 days in your interest free period, depending on which card you have. Just remember that these days start at the beginning of your statement cycle, not when you make the purchase.

What fees might I be charged?

First things first, you’ll have to contend with the annual fee attached to your Bank of Queensland credit card. Generally speaking, the more spending and rewards power your card allows you, the higher the annual fee will be. Other fees you should keep an eye out for include cash advance fees when you hit up the ATM and foreign exchange fees. And if you want to have more than one person using the credit account, there’s a fee for additional cards on all but the premium credit card option. 

Can I use my Bank of Queensland credit card for a balance transfer?

Yep. If you’re using your Bank of Queensland credit card to do a balance transfer and manage your credit card balance, you’ll get an initial zero interest period in which to pay off your balance. Just remember that any unpaid balance will then be charged interest at the cash advance rate of your card - which is much higher.

Can I use payWave with my Bank of Queensland credit card?

Definitely! PayWave is a VISA scheme, and your Bank of Queensland credit card works on the VISA network. So you can use your credit card to ‘tap ‘n’ go’ on small purchases.

Can I use my Bank of Queensland credit card while I’m travelling overseas?

Yes! Another good thing about the VISA network, is that it’s available all around the world. And where VISA is accepted, your Bank of Queensland credit card is too!
Just don’t forget to budget for foreign transaction fees in your holiday plans. Otherwise, you can skip the fees by checking out a great prepaid travel card.

What rewards options do I have with my Bank of Queensland rewards credit card?

Bank of Queensland have their own loyalty program, through which you earn Q points. You can redeem these points for heaps of great stuff, including merchandise, gift cards, cashback and travel.

Points caps and earning power is different depending on which rewards card you choose:

Blue Visa Card - earn 1 point for every $1, capped at 65,000 p.a.

Platinum Visa Card - earn 2 points per $1, capped at 240,000 p.a.

But the good news is points never expire, so you can save up for that big overseas holiday!

If you opt for a platinum card, you can also use the complimentary concierge service, which is like having your very own personal assistant to help with things like shopping and snagging event tickets.

What kind of insurance options does my Bank of Queensland credit card offer?

On both a platinum or blue credit card from Bank of Queensland, you’ll enjoy purchase protection and guaranteed pricing when you spend. If you're a platinum cardholder, you’ll also get to cash in on some other cool insurance covers, like complimentary international travel insurance and extended warranty cover.

What can I do to keep my credit card safe?

You should always be aware of the risk of credit card fraud when spending, but don’t let it stop you from taking advantage of the convenience of plastic! Here are a few quick things you can do to keep your credit card safe.

Never write down your PIN number or tell it to anyone else. If you have trouble remembering it and absolutely need to write it down, don’t keep it in the same place as your card.

Be observant when using your card - don’t go to an ATM that looks suspicious or damaged and when you use your card in a shop, keep an eye on it the whole time.

When using your card for online shopping, look for secure websites that you trust

Keep an eye on your statement. If you notice anything unusual or see any transactions you didn’t make, call Bank of Queensland immediately.

How are Bank of Queensland credit cards rated?

Mozo users have rated Bank of Queensland credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Bank of Queensland credit cards

Overall 7.3

Price

Features

Customer service

Convenience

Trust

343 Reviews

Recent Bank of Queensland credit card reviews Recent Bank of Queensland credit card reviews

Bank of Queensland

Bank of Queensland Blue Visa Credit Card credit card review

Overall rating   10 / 10

Safe secure and reliable banking

Bank staff are awesome. They are so polite and so caring they make me feel that my money is in safe hands.

Full review

Bank staff are awesome. They are so polite and so caring they make me feel that my money is in safe hands.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Shirleyann, Queensland, reviewed 9 days ago

Bank of Queensland

Bank of Queensland credit card review

Overall rating   9 / 10

Good customer service

Customer service is good, they always assist me.

Full review

Customer service is good, they always assist me.

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Campbell, Western Australia, reviewed about 2 months ago

Bank of Queensland

Bank of Queensland Blue Visa Credit Card credit card review

Overall rating   10 / 10

The level of service is second to none

This bank is fantastic due to its owner franchises.

Full review

This bank is fantastic due to its owner franchises.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Jim, Queensland, reviewed about 2 years ago

Bank of Queensland

Bank of Queensland Platinum Visa Credit Card credit card review

Overall rating   9 / 10

Superb Customer Service

The bank staff treat you as if you matter to them

Full review

The bank staff treat you as if you matter to them

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Cheryl, Western Australia, reviewed over 2 years ago

Bank of Queensland

Bank of Queensland Blue Visa Credit Card credit card review

Overall rating   9 / 10

I have found them outstanding.

I have found them outstanding in customer service & able to help on the phone with all my inquiries.

Full review

I have found them outstanding in customer service & able to help on the phone with all my inquiries.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

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Jimmy, Queensland, reviewed over 2 years ago

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What do you need to apply for a Bank of Queensland credit card? What do you need to apply for a Bank of Queensland credit card?

If you’ve decided to go ahead and apply for a Bank of Queensland credit card, there are a few things you should know. First of all, you’ll have to meet certain eligibility requirements, including:

  • You should be 18 or over
  • You should be a permanent Australian resident
  • You should have a good credit rating
  • You must earn at least
    • $25,00 p.a. for low rate or Blue Visa cards
    • $35,000 p.a. for platinum cards

You’ll also need to provide details of your financial situation, including your current employment and any other repayments or debts you’re responsible for.

If you’d like to know more about applying for credit cards, check out our guide.

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