The Bank of Queensland Blue credit card offers rewards earning potential and an enticing 0% balance transfer rate for 18 months to help you ditch any existing credit card debt you may have. 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.
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.
For every dollar you spend the Bank of Queensland 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, Bank of Queensland are offering Australians with existing credit card debt the chance to get rid of it once and for all with an 18-month 0% balance transfer offer. Just remember that once the balance transfer end, you'll be up for the 21.74% cash advance rate on any remaining debt.
Also don't forget there is a $60 annual fee attached to this card.
The Bank of Queensland Blue is great for spenders looking for a budget-friendly plastic option with rewards earning potential or those looking for a long-term balance transfer deal to help pay off their debt.
If you don't like the 20.74% purchase rate, you'll like the 21.74% cash advance rate even less.
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
1 point per dollar on Visa, uncapped
Redeem your points for travel, gift cards, cashback and pay with points.
You can get flights via Virgin Australia vouchers, Flight Centre Vouchers or TakeFlight.
Spend $40,000 (Visa)
Spend $35,800 (Visa)
Spend $23,402 (Visa)
Spend $358,836 (Visa)
Uncapped
Never
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.
| 20.74% p.a. | |
| none | |
| 0% p.a. for 18 months and then 21.74% p.a. | |
| yes | |
| 21.74% p.a. | |
| 44 |
| $60.00 | |
| none | |
| none | |
| none | |
| $30.00 | |
| 3.5%, min $3.50 | |
| 3.40% | |
| $2.00 | |
| $7.00 | |
| $15.00 |
| $30.00 | |
| 2.0 | |
| 4 | |
| none |
Apple Pay, Samsung Pay
Purchase Protection,
Guaranteed Pricing
It's good
Read full reviewBank staff are awesome. They are so polite and so caring they make me feel that my money is in safe hands.
Read full reviewBank staff are awesome. They are so polite and so caring they make me feel that my money is in safe hands.
This bank is fantastic due to its owner franchises.
Read full reviewThis bank is fantastic due to its owner franchises.
I have found them outstanding in customer service & able to help on the phone with all my inquiries.
Read full reviewI have found them outstanding in customer service & able to help on the phone with all my inquiries.
The service is just the best in my local bank in Agnes water
Read full reviewThe service is just the best in my local bank in Agnes water
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