Credit Card Compare

BOQ Specialist Signature Credit Card

Data last updated 20 July 2026
20.50%
Purchase rate
$400
Annual fee
20,000
Bonus points

Do you manage BOQ Specialist card listings? Claim on Partner Central

BOQ Specialist Signature Credit Card card
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

28Basic

Basic

Overall score, out of 100 · How this works

  • 55 days interest-free34
  • Airport lounge25
  • Frequent flyer26
  • Qantas Points26
  • Rewards25
  • Sign-up bonus26
  • Travel32

Customer reviews

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

Pros & cons

What's good

  • 20,000 bonus Qantas Points to start, worth around $240 at our 1.2c-per-point valuation.
  • Complimentary airport lounge access.
  • Complimentary travel insurance.
  • No fee to add an additional cardholder.

Worth noting

  • The $400 annual fee is toward the top of the market (the median is $70).
  • The 20.5% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • The 1-point rate on everyday spend applies only to the first $7,500 spent each statement period, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
$15,000 – $100,000
Credit rating
Good
Rewards program
Qantas Frequent Flyer

Eligibility

Instant approval
No
Joint application
No
Minimum age
18 years old
Minimum income
$120,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
20.50% p.a.
Purchases
20.50% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$400 p.a.
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

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

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 up to $7,500 per statement period
Bonus categories
None
Other purchases
None
Overseas spend
1 pt per $1 on overseas spend
ATO/government
None
Reduced rate above monthly cap
0.5 pts per $1 from $7,500 to $30,000 per statement period
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
20,000 points

Where these points could take you

Auckland
Flying Qantas non-stop, using Qantas points. Economy 20,700 pts, Premium Economy 32,600 pts, Business 43,600 pts.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts.

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.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation
Prepay part of the trip on the card
Age limit
79 years
Cover limit
Unlimited
Excess
$250
Maximum trip length
90 days
Not covered
Pre-existing conditions, unless the insurer agrees in writing
Underwriter
Chubb Insurance Australia Limited

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.

Interest-free days55 daysTop 10% (6th of 192 cards)
Rewards value$432 a yearTop 25% (13th of 95 cards)
Purchase rate20.50%Middle of the market (118th of 196 cards)
Overseas fee3.20%Not as good as most cards (144th of 200 cards)
Sign-up bonus$240Among the weakest we track (54th of 59 cards)
Annual fee$400 a yearAmong the most expensive (188th of 200 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 Specialist Signature Credit Card against every other card in its category.

Frequent flyerRewardsView all →

Questions and answers

No questions yet. Ask the first one about BOQ Specialist Signature Credit Card.

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