Thumbnail icon for Bank of Queensland

Bank of Queensland Blue Visa Credit Card

Purchase rate
20.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 21.74% p.a.
Annual fees
$60
Interest free days on purchases
44

Mozo editorial review Bank of Queensland Blue Visa Credit Card

Last updated: 2 October 2018.

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What's hot
  • 0% p.a on balance transfers for 6 months
  • Rewards points that never expire
  • $120 cashback if you spend $500 per month for the first 3 months
What's not
  • 20.74% purchase rate
Mozo snapshot

The Bank of Queensland Blue credit card offers rewards earning potential and an enticing 0% balance transfer rate for 6 months. But once the balance transfer period ends, you'll want to get into the habit of paying your balance off in full every month to avoid the 21.74% cash advance rate. And at the moment, if you spend $500 per month on retail purchases for the first 3 months, you can score $120 cashback.

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Key features

You'll get 44 interest free days on purchases with your Bank of Queensland Blue Visa credit card. But set yourself up with Easi-Pay and you can automatically either have your balance paid off in full or even just make the minimum repayments, taken straight from your everyday bank account (even from a non-Bank of Queensland account.) This could be a great way to make sure you avoid the 20.74% purchase rate.

The annual fee is fairly average at $60 a year, but according to Mozo's rewards revealer, with an annual spend of $16,000 or more, you'll be getting value back on your rewards points. 

For every dollar you spend the Bank of Queensland Blue will give one point towards redeeming on either gift cards, retail rewards or Virgin Australia, Flight Centre and TakeFlight vouchers. Your rewards points never expire but there is a $65,000 p.a. points cap.

Plus, you'll also get bonus perks such as purchase cover insurance for most goods you buy on your Bank of Queensland Blue Visa credit card that are lost, stolen or damaged within three months of being purchased. And if you hate buying an item at full price, only to see it on sale a week later, you'll be guaranteed a refund of up to $500 on eligible store bought purchases that go on sale after you've bought the item.

And at the moment, you can snag $120 cashback by spending $500 per month on retail purchases for the first 3 months of having the card.

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Who is it good for

The Bank of Queensland Blue is great for spenders looking for a budget-friendly plastic option with rewards earning potential.

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Any catches

If you don't like the 20.74% purchase rate, you'll like the 21.74% cash advance rate even less.

Rewards program details

Rates and fees information correct as at 1 June 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

358,836 points

Fly Sydney to Melbourne one-way

23,402 points

$100 Giftcard

35,800 points

$100 Cash

40,000 points

Points earning

1 point per dollar on Visa, uncapped

Rewards scheme

Redeem your points for travel, gift cards, retail rewards and shopping vouchers.

You can get flights via Virgin Australia vouchers, Flight Centre Vouchers or TakeFlight.

Value of rewards points

Spend $40,000 (Visa)

Spend $35,800 (Visa)

Spend $23,402 (Visa)

Spend $358,836 (Visa)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.74% p.a.

  • none

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

  • yes

  • 21.74% p.a.

  • 44

Fees
  • $60.00

  • none

  • none

  • none

  • $30.00

  • 3.5%, min $3.50

  • 3.40%

  • $2.00

  • $7.00

  • $15.00

Features
  • $30.00

  • 2.0

  • 4

  • none

Payment options

Samsung Pay

Rewards privileges

Purchase Protection,
Guaranteed Pricing

Other benefits

Apply by 30 April 2020 and receive $120 cashback if you spend $500 per month on retail purchases for the first 3 months.

Customer Reviews

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

Overall customer rating
7.3/10
Price
6.5/10
Features
6.5/10
Customer service
7.3/10
Convenience
7.6/10
Trust
7.5/10

Latest reviews of Bank of Queensland Blue Visa Credit Card

  • Overall 8/10
    Good.

    It's good

    Read full review

    It's good

    Price
    7/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jason, South Australia reviewed 6 months ago
  • Overall 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.

    Read 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
    Less
    Shirleyann, Queensland reviewed over 1 year ago
  • Overall 10/10
    The level of service is second to none

    This bank is fantastic due to its owner franchises.

    Read 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
    Less
    Jim, Queensland reviewed over 3 years ago
  • Overall 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.

    Read 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
    Less
    Jimmy, Queensland reviewed almost 4 years ago
  • Overall 9/10
    Thank you

    The service is just the best in my local bank in Agnes water

    Read full review

    The service is just the best in my local bank in Agnes water

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10
    Less
    Shelley, Queensland reviewed about 4 years ago
Bank of Queensland

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.

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