Fees and charges are payable. NAB's standard credit assessment criteria apply. Terms and Conditions apply and are available upon request. Offers only available to approved new BOQ credit card customers. Introductory offer cannot be used in conjunction with any other credit card offer, including when you take out a credit card as part of a home loan package. We reserve the right to continue, withdraw or change the offer at any time without notice.
1. Offer commenced 1 December 2023. The promotional rate 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 9 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 20.74% p.a. for a BOQ Blue Visa Card. Interest rates are variable and subject to change. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 9 months. The 9 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.49% p.a. Please note, you will be charged interest on retail purchases while you have a balance transfer. If you make a Retail Purchase before your balance transfer is processed, payments made during the promotional period will be applied to the Retail Purchase balance before the Balance Transfer. We reserve the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here.
2. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.
3. BOQ Instalment Plans are defined in the Credit Card Terms and Conditions as a Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing credit limit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. For the full Terms and Conditions of your Fixed Payment Options, please refer to the Credit Card Terms and Conditions and Other Important Information.
4. Q Rewards® points are earned on Eligible Transactions. Eligible purchase is defined as Eligible Transaction. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears.
5. To be eligible for a $0 annual fee on a BOQ Blue Visa credit card you need to have an eligible BOQ home loan. The $0 annual fee will apply for the duration that you are a BOQ home loan customer. All applications must meet approval guidelines on all products to qualify. This includes BOQ and NAB's standard credit assessment criteria (as the case may be). Benefits cannot be taken in conjunction with or in addition to any other packages, negotiated interest rates or special offers.
+ AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of BOQ credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, limits and exclusions of the group policy are set out in the BOQ Credit Cards Complimentary Insurance Policy Information Booklet available at https://www.boq.com.au/terms which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.
