Compare Credit Cards

Use our easy credit card comparison table to compare features and find the credit card that’s right for you. {sub-heading}

Find the right card for you

Platinum Credit Card with Qantas Points or Velocity Frequent Flyer Points

The BOQ Specialist Platinum card with Frequent Flyer Points offers a host of great benefits and earns rewards that can be redeemed on a range of items to suit your needs, including flights, hotels and more.

Apply now{small-button}

Learn more{small-button}

Signature Credit Card with Qantas Points or Velocity Frequent Flyer Points

The BOQ Specialist Signature card with Frequent Flyer Points offers exceptional benefits that earns Frequent Flyer Points on spend.

Apply now{small-button}

Learn more{small-button}

Tag

All

Features and Benefits {thead}

Points

Choose between earning either Qantas Points or Velocity Frequent Flyer Points. Apply for complimentary Qantas Frequent Flyer membership here (saving A$99.50), or register at no cost for the Velocity Frequent Flyer program.

Complimentary travel insurance

Complimentary card purchase cover and buyers advantage cover

**Priority Pass airport lounge access

Concierge provided by Visa

Personalised service and 24/7 purchase security through Visa Secure, Eftpos Secure and Orion

Visa Luxury Hotel Collection

Apple Pay

Google Pay

Reward Points {thead}

Points - Eligible purchases

0.4 Qantas Points* or 0.4 Velocity Frequent Flyer Points" for every $1 spent on eligible purchases in Australia up to $3 000 and 0.2 Points for every $1 spent above $3 000 up to a capped amount of $5 000 each statement period

1 Qantas Point* or 1 Velocity Frequent Flyer Point" for every $1 spent on eligible purchases in Australia up to $7 500 and 0.5 Points for every $1 spent above $7 500 up to a capped amount of $30 000 each statement period

Points - International purchases

0.5 Qantas Points* or 0.5 Velocity Frequent Flyer Points" for every $1 spent on eligible international purchases each statement period (no cap)

1 Qantas Point* or 1 Velocity Frequent Flyer Point" for every $1 spent on eligible international purchases each statement period (no cap)

Qantas Points

1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia#

Bonus Points

Use the Signature credit card 10 times in the first two months and you could earn an additional 20 000 bonus Frequent Flyer Points

Points earn spend cap (applies to all eligible purchases each Statement Period)

$5 000

$30 000

Fees and Charges {thead}

Fees per annum (p.a.)

$0 p.a.

$400 p.a.

Days interest free

Up to 55 days interest free

Eligibility {thead}

Minimum Income Requirement

$60 000 (students exempt from minimum income requirement)

$120 000

Minimum age

Minimum Credit Limit

$6 000

$15 000

Style

layout-cols-33-66, small-button

FAQs{yellow-border}

Didn't find what you were looking for? Go to our help and support page to find out more.{sub-heading}

Get help

What if my card is lost or stolen

If your card is no longer in your possession, please contact our 24/7 Client Service Centre immediately on 1300 160 160 (+612 9293 2121 from outside Australia).

Who do I contact about my credit card insurance policy

BOQ Specialist card insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). BOQ Specialist has entered into a Group Policy for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances - Insurance Terms and Conditions. Make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances. BOQ Specialist does not guarantee this insurance. Chubb and BOQ Specialist only provide general advice and do not consider your objectives, financial situation or needs.

CHUBB insurance is available on 1300 170 180, or via email at BOQSpecialistEnquiries.AU@chubb.com

Fees and charges

Annual percentage rate: the annual percentage rate which will apply to the unpaid daily balance on your card account is 13.99% for Platinum Credit Card and 20.50% for Signature Credit Card, subject to any interest free period and any special promotions, if applicable.

Interest free period: there is an interest free period on your card account of up to 55 days on purchases and other debits, other than cash advances and balance transfers.

Minimum payment due: you must pay the minimum payment due shown on each monthly credit card statement on or before the due date, giving due consideration to processing times for each payment method. However, if that day is not a business day, it is due on the next business day. The minimum amount owing is calculated as the greater of $20 or 2% of the closing balance (rounded to the nearest two decimal points). If the closing balance is less than $20, then the minimum payment due is equal to the closing balance. In addition, you must pay any amount in excess of the credit limit and any amount shown on the monthly credit card statement as overdue. These amounts are due and payable immediately.

A full list of credit card fees can be viewed here

Talk to one of our financial specialists today{yellow-border}

Find a specialist

Style

layout-cols-33-66

Useful links{yellow-border}

Credit card important information

Credit card terms and conditions

Target Market Determination

Best Credit Cards For Doctors

VISA checkout

Priority Pass

Important information

Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.

The issuer and credit provider of these products and services is BOQ Specialist. Terms and conditions, fees and charges and lending and eligibility criteria apply. You should obtain and consider the product terms and conditions before making any decision about whether to acquire the products. We reserve the right to cease offering these products at any time without notice.

For target market determinations please click here.

*Qantas Points
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee usually applies. However, complimentary membership is available from Bank of Queensland if you join here Membership and Qantas Points is subject to the Member Terms and Conditions. Qantas Points will be earned on eligible transactions in accordance with the BOQ Specialist Qantas Rewards Program Terms and Conditions. See definition of Eligible Transaction in the BOQ Specialist Qantas Rewards Program Terms and Conditions.

^"Velocity Points
Velocity Member Terms and Conditions apply. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points and bonus points are earned on eligible purchases only. See definition of eligible purchases in the BOQ Specialist Velocity Rewards Program Terms and Conditions.

^#Selected Qantas Products and Services
Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

⁺Signature bonus points offer
To be eligible for the 20 000 bonus points offer, you must apply for, be approved and pay the full fee for a BOQ Specialist Signature card and make 10 eligible purchases within 60 days of opening your account. Reward points will be credited to the qualifying member account within two months of the tenth eligible purchase. The bonus points offer is available to new BOQ Specialist Signature credit cardholders only and is not available in conjunction with any other offer.

^~Insurances
BOQ Specialist card insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). BOQ Specialist has entered into a Group Policy for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances. BOQ Specialist does not guarantee this insurance. Chubb and BOQ Specialist only provide general advice and do not consider your objectives, financial situation or needs.

^{^}Visa Concierge
The Visa Concierge is provided by a third party supplier. For details of this service refer to concierge-asia.visa.com
BOQ Specialist credit card holders receive exclusive benefits at select hotels. Terms and Conditions apply, visit www.visa.com.au/en_au/visa-offers-and-perks/ for more information.

^**Priority Pass™
One complimentary Priority Pass™ Standard Membership for the primary cardholder is a special feature of the BOQ Specialist Signature credit card. Signature cardholders will automatically be enrolled for the Priority Pass™ Standard membership. The primary cardholder is entitled to four complimentary visits to Priority Pass lounges and may bring one guest per visit free of charge per calendar year. Any additional guests will be charged directly to you by Priority Pass™ at their ordinary price, currently US$29 per person per visit. Membership is subject to the Conditions of Use available at www.prioritypass.com.

Compare Credit Cards