Credit Card Compare

BOQ Specialist Platinum Credit Card

Data last updated 20 July 2026
13.99%
Purchase rate
$0
Annual fee
55 days
Interest-free

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BOQ Specialist Platinum Credit Card card
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CardIQ

47Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free60
  • Balance transfer40
  • Frequent flyer29
  • Low rate73
  • No annual fee67
  • Qantas Points29
  • Rewards33
  • Travel49

Customer reviews

No reviews yet. Be the first to review the BOQ Specialist Platinum Credit Card.

Pros & cons

What's good

  • The 13.99% p.a. purchase rate is below the 18.99% p.a. market median.
  • No annual fee.
  • Complimentary international travel insurance.
  • Complimentary concierge service.
  • No fee to add an additional cardholder.

Worth noting

  • Earns 0.4 points per $1 on everyday spend, below the dataset average.
  • Points earning is capped at 1,600 points a month.
  • 3.2% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit limit
$6,000 – $100,000
Credit rating
Good
Rewards program
Qantas Frequent Flyer

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$60,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
13.99% p.a.
Purchases
13.99% p.a.

Fees

Additional cardholder fee
$0
Annual fee
No annual fee
Cash advance fee
—
Foreign transaction fee
3.2%
Late payment fee
$0

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $20, whichever is greater

Balance transfers

Limit
Up to your available credit limit
Period
0 months
Promotional rate
13.99% p.a.
Revert rate
0.00% p.a.
Transfer fee
0%

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
0.4 pts per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Maximum 1,600 points per month
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

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.

Annual fee$0Tied for best (1st of 200 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Purchase rate13.99%Better than most (63rd of 196 cards)
Overseas fee3.20%Not as good as most cards (144th of 200 cards)
Rewards value$173 a yearNot as good as most cards (81st of 95 cards)

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

Compare side by side

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
BOQ Specialist
Program
Qantas Frequent Flyer