| Platinum Visa Credit Card | Platinum Visa Credit Card | Blue Visa Credit Card | Low Rate Visa Credit Card | Low Rate Visa Credit Card | |
|---|---|---|---|---|---|
| Credit Card Summary | Q Rewards® Points Offer | Velocity Points Offer | Purchase & Balance Transfer Offer | Balance Transfer Offer | Cash Instalment Plan Offer |
| Special Offers |
Earn 100,000 bonus Q Rewards® Points when you spend $4,500 on Eligible Transactions within 3 months from card approval++ 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. You will be charged interest on retail purchases while you have a balance transfer ^^ 1% fee on balance transfers |
Earn 60,000 Velocity Points (redeemed from 180,000 Q Rewards® points) when you spend $4,500 on Eligible Transactions within 3 months from card approval*** 0% p.a. on balance transfers for 12 months, reverting to the cash advance rate thereafter. No interest free days apply to retail purchases while you have a balance transfer ^^ 1% fee on balance transfers |
0% p.a. on purchases and balance transfers for 9 months. Purchase rate reverts to standard purchase rate thereafter, balance transfer reverts to cash advance rate thereafter No fees on balance transfers |
0% p.a. on balance transfers for 18 months, after which the rate reverts to the cash advance rate* 2% fee on balance transfers Interest will be charged on retail purchases while you have an unpaid balance transfer |
Access up to 60% of your available credit and repay at a low rate of just 7.99% p.a., which is lower than the cash advance rate The funds are transferred directly to your nominated Australian bank account and repaid in fixed monthly instalments over 36 months** |
| What does this card offer? | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions4, plus all the added perks of a platinum credit card. | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions4, plus all the added perks of a platinum credit card. | Earn 1 Q Rewards® points for every 1 dollar spent on Eligible Transactions.4 | Save more with a low interest rate on your purchases. | Save more with a low interest rate on your purchases. |
| Minimum Income Requirement | $35,000 | $35,000 | $25,000 | $25,000 | $25,000 |
| Age | 18 | 18 | 18 | 18 | 18 |
| Interest Free Period on Retail Purchases8 | Up to 44 days | Up to 44 days | Up to 44 days | Up to 55 days | Up to 55 days |
| Credit Limit Range | $6,000 - $100,000 | $6,000 - $100,000 | $2,000 - $50,000 | $2,000 - $30,000 | $2,000 - $30,000 |
| Rates | |||||
| Retail Purchase Rate | 20.99% p.a. | 20.99% p.a. | 20.99% p.a. | 13.99% p.a. | 13.99% p.a. |
| Cash Advance Rate | 21.99% p.a. | 21.99% p.a. | 21.99% p.a. | 21.99% p.a. | 21.99% p.a. |
| Fees | |||||
| Annual Fee | $75 for the first year, and $149 after that6 | $149 | $89 | $65 | $65 |
| Additional Card Fee | Up to 4 free | Up to 4 free | $15 | $15 | $15 |
| Q Rewards® | |||||
| Q Rewards Points4 |
Earn up to 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions4 See rewards points |
Earn up to 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions4 See rewards points |
Earn 1 Q Rewards® point per for every dollar spent on Eligible Transactions4 See rewards points |
||
| Points Capping | Uncapped | Uncapped | Uncapped | N/A | N/A |
| eVouchers | |||||
| Cash Back Rewards | |||||
| Select and Credit | |||||
| Points Transfer | |||||
| Platinum Personalised Rewards program | |||||
| Insurance+ | |||||
| Purchase Protection Insurance | |||||
| Extended Warranty Insurance | |||||
| International Travel Insurance | |||||
| Domestic Travel Insurance | |||||
| Rental Vehicle Excess Insurance in Australia | |||||
| Security | |||||
| Pen or PIN | |||||
| Fraudshield | |||||
| Emergency Card Replacement within 24 hours (Australia) | |||||
| Additional Features | |||||
| Worldwide Visa Acceptance | |||||
| Apple Pay | |||||
| Samsung Pay | |||||
| Visa Contactless Payments | |||||
| BOQ Internet Banking Access | |||||
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