BOQ Blue Visa Credit Card

Name: BOQ Blue Visa Credit Card
Brand: Bank of Queensland

Data last updated 27 July 2026

20.99%

Purchase rate

$89

Annual fee

50,000

Bonus points

Do you manage Bank of Queensland card listings? Claim on Partner Central

Bank of QueenslandStandard

•••• •••• •••• ••••

Credit Card CompareVisa

You may have seen us in

CardIQ

41Fair

Fair

Overall score, out of 100 · How this works

Balance transfer55
Frequent flyer38
Rewards39
Sign-up bonus34
Velocity Points38

Customer reviews

No reviews yet. Be the first to review the BOQ Blue Visa Credit Card.

Pros & cons

What's good

50,000 bonus points to start, worth around $250 at our 0.5c-per-point valuation.
6 months at 0% p.a. on balance transfers, shorter than the 12-month median (1% transfer fee, reverts to 21.99% p.a.).
Points transfer to Flybuys and Velocity Frequent Flyer.

Worth noting

The $89 annual fee is high for a Standard card, where the typical fee is about $50.
The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
Earns 1 point per $1 on everyday spend, around the dataset average.
3.3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee: $15 p.a.
Card tier: Standard
Card type: Visa
Card use: Personal
Credit limit: $2,000 – $50,000
Credit rating: Good
Rewards program: Q Rewards

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: $25,000 p.a.
Residency: Permanent Australian resident and Australian resident for tax purposes
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.99% p.a.
Purchases: 20.99% p.a.

Fees

Additional cardholder fee: $15
Annual fee: $89 p.a.
Cash advance fee: 3.5% of the amount
Foreign transaction fee: 3.3%
Late payment fee: $30

Repayments

Interest-free period: Up to 44 days on purchases
Minimum repayment: 2% of the closing balance or $25, whichever is greater

Balance transfers

Can't transfer from: Bank of Queensland
Limit: Up to your available credit limit
Period: 6 months
Promotional rate: 0% p.a.
Revert rate: 21.99% p.a.
Transfer fee: 1%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1 pt per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Uncapped
Points expiry: —

Sign-up bonus

Bonus spend required: $3,500 in 90 days
Sign-up bonus: 50,000 points

Transfer partners

Flybuys: 2 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer: 3 pts → 1 pt (≈ 0.33 pts per $1)

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Annual fee$89 a yearMiddle of the market (102nd of 200 cards)

Purchase rate20.99%Not as good as most cards (125th of 196 cards)

Rewards value$180 a yearNot as good as most cards (67th of 95 cards)

Balance transfer0% for 6 monthsNot as good as most cards (47th of 65 cards)

Overseas fee3.30%Not as good as most cards (146th of 200 cards)

Interest-free days44 daysNot as good as most cards (141st of 192 cards)

Sign-up bonus$250Among the weakest we track (53rd of 59 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the BOQ Blue Visa Credit Card against every other card in its category.

Balance transfer Rewards View all →

Questions and answers

No questions yet. Ask the first one about BOQ Blue Visa Credit Card.

Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Bank of Queensland