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BOQ Blue Visa Credit Card
$ 8000
12
$ 15000
$
%
$ 15000
$
%

BOQ Blue Visa Credit Card

BOQ Blue Visa Credit Card

Consolidate your debt with 0% on balance transfers for up to 18 months. Note, no interest free days apply while carrying a balance transfer balance. Offer includes complimentary purchase cover for items that are lost or stolen within 90 days. (terms, conditions, limits and exclusions apply)

BOQ Q Rewards Points Forecast

Balance Transfer Savings

0% Purchase Savings

View Offer


96,000

Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations.

It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases.

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

estimated points earned
plus $120 cashback

You could save

$3,928

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

in 18 months

You could save

$3,928

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

in 18 months

BOQ Q Rewards
Program
$60

p.a.
Annual Fee
1
Points per $
Earn 1 Q Rewards point for every 1 dollar spent on Eligible Transactions
0% for
18 months
Balance Transfer
20.74% p.a.
Purchase Rate
$60

p.a.
Annual Fee
0% for
18 months
Balance Transfer
20.74% p.a.
Purchase Rate
$60
p.a.
Annual Fee
$120

annual fees
Total Fees
Total Fees is a calculation based on the total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation considers annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

BOQ Blue Visa Credit Card Review

Pros
  • 18 month balance transfer offer
  • No balance transfer fee
  • Low annual fee
  • Purchase cover insurance
  • Gauranteed pricing scheme
  • Automatic card repayments with Easi-Pay
Cons
  • No 24/7 Concierge Service
  • Up to 3.50% cash advance fee
  • No interest free days on purchases while carrying a balance transfer
  • Only up to 44 days interest free period
  • Charges additional cardholder fee of $15
  • Relatively high international transaction fee of 3%
Card TypeVisa
Minimum Credit Limit$2,000
Cash Advance Rate
Interest rate incurred for a cash advance
21.74% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 44 days
Does not apply if carrying a balance transfer
Purchase Rate
The standard interest rate that applies to purchases on the card
20.74% p.a.
Balance Transfer Limit
Maximum percentage of your approved credit card limit that can be used for the balance transfer
80%
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
20.74% p.a.
Balance Transfer Months
Number of months the promotional balance transfer offer applies
18 months
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
0% p.a. for 18 months with a 0% balance transfer fee
Offer Ends28 Feb 2021
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$60 p.a.
Rewards ProgramBOQ Q Rewards
Balance Transfer Fee
Fee incurred for processing a balance transfer
0%
Minimum Income$25,000
Minimum Age18 years of age or over
Temporary Resident ApplicationNo
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
1 point per $
Earn 1 Q Rewards point for every 1 dollar spent on Eligible Transactions
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$15 p.a.
Overlimit Fee$40
Dishonour Fee$10
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$60 p.a.
International Transaction Fee
Fee incurred for transactions made in foreign currency
3.4% of the transaction value
International Cash Advance Fee2% of the transaction amount or $4, whichever is greater, capped at $30
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$30
Cash Advance Fee$3.50 or 3.5%, whichever is greater
Travel Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
No
Purchase Insurance
Terms, conditions, limits and exclusions may apply, check product site for details
Yes - terms, conditions, limits and exclusions may apply, see product site for details
Purchase cover insurance
Gauranteed pricing scheme
Concierge ServiceNo
24/7 Concierge Service
Automatic Card RepaymentsYes
Automatic card repayments with Easi-Pay

Like the sound of this card?

Apply now securely via the bank's website or email yourself a link to apply later.
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