Bank of Queensland Credit Cards

The Bank of Queensland (BoQ) has a concise range of credit cards designed to suit different lifestyles and financial situations.

Best Bank of Queensland Credit Card

A premium credit card option from BOQ with all the usual benefits of a platinum credit card from VISA, including 24 hour personal concierge services, access to a higher credit limit and a personalised rewards program.

• $199 annual fee
• 20.24% p.a. on purchases
• 3.9% p.a. for life on balance transfers
• Cash Advance Rate of 20.74%
• Minimum Income Requirement of $50,000 p.a.

Click here to read the Bank of Queensland Platinum Visa Card terms and conditions

Bank of Queensland Credit Card Comparison

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Bank of Queensland Gold Visa Card	The Bank of Queensland Gold Visa is an excellent credit card offers, giving you access to higher spending limits, and also including international travel insurance, purchase cover insurance and a 24 hour personal concierge service.	20.24%	20.74%	1.9% for 9 months	$120.00	55
Bank of Queensland Platinum Visa Card	This is a premium credit card from Bank of Queensland with a personalised rewards program and a higher points earning rate. Includes 24 hour personal concierge services, access to higher credit limits and additional purchase protection benefits.	20.24%	20.74%	3.9% for life	$199	55
Bank of Queensland Low Rate Visa Card	The Bank of Queensland’ standard low interest rate credit card.	12.49%	20.49%		$55.00	55
Bank of Queensland Gold MasterCard	Earn 1.75 reward points per $1 spent. BoQ Gold rewards program. International travel insurance provided.	18.99%	18.99%		$120.00	55
Bank of Queensland Blue Visa Card	Earn 1.50 reward points per $1 spent. BoQ Gold rewards program. Modest annual fee for reward program card.	19.49%	19.99%		$55.00	55

• See Bank of Queensland Overlimit and Late Payment Fees Here

Bank of Queensland Overview

The Bank of Queensland (BOQ) is one of the oldest and most successful banks in Australia, and has 240 branches around the country. Over the years it had garnered recognition and awards for its achievements, including: Best Performing Regional Bank in the Financial Institutions Performance Survey during the 1990s; the Choice Regional Bank of the Year in 2001; and  Best Regional Bank in 2004, as named by the Banking and Finance Industry. 

History of the Bank of Queensland

The Bank of Queensland was established in 1874 as The Brisbane Permanent Benefit Building and Investment Society, which was Queensland's first permanent building society. Thirteen years later after a major reorganisation it achieved the status of a bank, but it wasn't until 1942 that the Society became a fully-fledged and certified trading bank after merging with several other of Queensland's financial institutions.

In 1970, the Society officially became known as the Bank of Queensland, and in that same year the bank switched its operations to a computer-based system, and thanks to its excellent financial performance it entered the Australian Stock Exchange's list of publicly-traded firms. Twelve years later the Bank of Queensland merged with the Bank of Queensland Savings Bank Ltd., which became a wholly-owned subsidiary. The bank then acquired Stowe Electronic Switching Pty Ltd, which was renamed Queensland Electronic Switching Pty Ltd.

The Bank's first major expansion took place in 1985 with the opening of branches in Townsville and Cairns, but things really took off between 2001 and 2004, when it opened more than 50 branches throughout the state.

By 2007, the BOQ had increased its number of branches to 240, having a presence in all states and territories in Australia. This rapid expansion occurred via a program known as the Owner-Managed Branch Model, which was essentially a franchise program enabling people to own and run local branches of the Bank of Queensland.

Banking services have also became a main thrust of the Bank of Queensland's plans, and this was advanced in 2003 by the purchases of ATM Solutions Australasia and UFJ Finance Australia. After doubling the value of ATM Solutions Australasia, the Bank sold it on, making a net profit of $15 million, whereas UFJ Finance Australia, an equipment finance firm, became a major player in the billion-dollar equipment finance industry. Other important acquisitions by BOQ include ORIX Australia's debtor finance division and the Mackay-based Pioneer Permanent Building Society.

Bank of Queensland products and services

The Bank of Queensland has three main divisions: personal banking, business banking, and online banking. The personal banking side deals with the finances of the bank's individual clients, offering the usual list of services and products, such as:

• Bank of Queensland Credit Cards
• Bank of Queensland Personal Loans
• Bank of Queensland Home Loans
• Bank of Queensland Savings Accounts
• Bank of Queensland Insurance
• Bank of Queensland Superannuation

Amongst the credit cards available to BOQ customers and new credit card applicants are:

• Bank of Queensland Gold MasterCard
• Bank of Queensland Interest Free Days Credit Card
• Bank of Queensland Low Rate Visa
• Bank of Queensland No Interest Free Days Credit Card

The business banking arm deals with corporate clients and organisations, and offers assistance to entrepreneurs enabling sound business decisions to be made. There are Bank of Queensland business managers whose job it is to assess a client's business, and offer advice in such matters as financing and overdrafts. These managers are available at very short notice to help out when businesses need an expert eye casting over a problem.

For the business customer, the Bank of Queensland offers business transaction accounts, business investment accounts, statutory trust accounts, merchant services, and farm management. It is also experienced in the financing of equipment, debtor finance, commercial insurance, and in providing business loans.

With BOQ's online banking system, customers are able to quickly and easily access the bank's products and services whenever it suits, and the same can be achieved over the telephone. Potential customers considering BOQ as an option can easily surf the bank's Internet banking features, and assure themselves of the highest level of online banking security. Whether merely scouting the site or taking advantage of its features as an existing customer, Internet banking has made the enquiry and application process so much more convenient.

For business clients, the Bank of Queensland's EasyLink system allows online banking direct to the Bank of Queensland's own browser, rather than via the Internet.

BOQ community involvement

Besides offering its extensive array of banking services, the Bank of Queensland is an active investor in local communities, helping various local organisations through contributions, sponsorships, and fund-raising. BOQ is also keen to establish links and partnerships with the younger people in the community, helping develop their various projects and activities. This community effort equally extends back to the bank's own shareholders and employees, so the BOQ never forgets the people who make the whole thing work. Lastly, the Bank of Queensland is known as a regular and keen sponsor of sporting, educational, and cultural programs throughout the state.

• BOQ Platinum Visa Credit Card
  

  Success is a difficult thing that you should be rewarded. The BOQ Platinum Visa Credit Card is one of those rewards. It comes with excellent perks and a top notch rewards program to match your level of success.



• BOQ Gold Visa Credit Card
  

  You deserve rewards and benefits that are based on the income level you have reached. The BOQ Gold Visa Credit Card is more then another gold card. It is specifically designed to meet your higher level needs and reward you for your gold level status.



• BOQ Platinum Visa Credit Card
  

  Do not let the annual fee on the BOQ Platinum Visa Credit Card scare you away from owning it. It is an excellent investment for a card that gives you piles of rewards and benefits. The platinum perks that come with owning this card far outweigh its cost.



• BOQ Gold Visa Credit Card
  

  If you want a card that meets your needs the BOQ Gold Visa Credit Card will not disappoint. This card offers you gold status benefits like increased spending limits and personalised customer service. In addition you gain access to a hassle-free and prestigious rewards program.



• Bank of Queensland Platinum Credit Card
  

  If you are a platinum card user then you are someone who expects more from your card. Travelling and shopping are always made easier when you have a card that provides the features and benefits you are looking for. You don’t have to look far to find a card that has all that you need.



• Profiling Bank Of Queensland’s Gold Credit Card
  

  If you are looking for a credit card with more versatility that you can use with different airlines across Australia, take a look at the Bank of Queensland Gold card.



• BOQ Q Rewards Credit Card Rewards Program
  

  The Bank of Queensland Q Rewards Card offers a comprehensive selection of rewards and a number of other essential features. The rewards are a mix of products and vouchers, which ensures that there will be something you like with the Q Rewards program.



• Switch Banks To Bank Of Queensland (BOQ)
  

  You should consider switching banks to the Bank of Queensland because the bank provides quality service. They make the process of switching your account over to BoQ very easy with their Change My Bank application.



• Bank Of Queensland Credit Card Application – Apply For BoQ Credit Cards
  

  It is extremely easy to apply for the Bank of Queensland credit card. The application can be completed online, or dropped off at the bank, giving you lots of ways to open a card.



• Bank of Queensland Gold Credit Card – Details & Applications
  

  You deserve top quality rewards from your credit card. The BOQ Gold Visa Credit Card gives you those rewards and valuable insurances because you earned them. When you choose to give Bank of Queensland your business they thank you with rewards and perks that can’t be beat.



• Bank of Queensland Platinum Visa Credit Card – Details & Applicatoin
  

  When you search for a credit card you want one that fits your need perfectly. The BOQ Platinum Visa Credit Card does exactly that. This card meets and even exceeds the needs of those at the platinum level.



• Bank Of Queensland BOQ Internet Banking: Online Banking With Bank Of Queensland
  

  Internet banking is the obvious choice when it comes to managing your money. Amongst all the internet banking providers the Bank Of Queensland internet banking program offers the convenience of managing your money at home. Read this article to find out more information about the Bank of Queensland online banking.







Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0