Bank of Queensland Gold Credit Card – Details & Applications

The BOQ Gold Visa Credit Card is all about rewards.

Your credit card should do more for you then just make shopping convenient. As consumers you have thousands of choices when it comes to which card you choose to give your business and the Bank of Queensland knows that you should not give your valuable business to anyone unless you are getting great rewards in return. That is why they have designed a program that earns points toward and excellent rewards scheme. This card also offers valuable perks in the form of insurance to make using this card an even sweeter deal. You may also be interested in a Bank of Queensland Low Rate Visa or Bank of Queensland Platinum Visa.

Interest Rates, Fees & Charges

Interest Rate on Purchases		20.74% p.a.
Annual Fee		$120
Interest Free Period		up to 55 days
Cash Advance Rate		21.74% p.a.
Card Type		Gold
Minimum Income Requirement		$30,000 p.a.
Credit Card Type		Visa
Rewards Program		Yes
Additional Cardholder Fee		$15 p.a.

Here are some of the great features you will find on this card.

• Purchase interest rate of 20.74% p.a..
• 21.74% p.a. interest rate on cash advances.
• Annual fee of $120.
• Balance transfer rate of .
• 55 days of interest free shopping.

Bank of Queensland Gold Visa Credit Card Perks

With the BOQ Gold Visa Credit Card you will never again have to worry about having access to cash or having to deal with customer service representatives who do not understand your needs.

When you have a gold level credit card it is because you have reached a prestigious level of income and credit standing. The gold card is not for just anyone, only those who can meet the often stringent application requirements. However, for those who do meet the standard there is an expectation that their card will meet their equally prestigious needs. At Bank of Queensland they have gone to great lengths to meet and even exceed the requirements of meeting those very needs.

• Earning points – With the BOQ Gold Visa Credit Card you will earn 1.75 points for every dollar that you spend.
• Take flight – Your points can be used for air travel on any airline, with no restrictions. All you have to do is book through Take Flight and you avoid all the blackout dates and other restrictions imposed by other programs.
• Free international travel cover – Everyone wants to be able to travel with peace of mind. If you use your BOQ Gold Visa Credit Card to book your tickets you and usually your family too, are covered for unanticipated cancellations, unlimited medical costs, personal liability and loss, as well as damage to personal possessions.
• Free purchase cover – There is probably no worse feeling then losing, having stolen, or breaking an item that you spent your hard earned money on. With this card you get automatic and complimentary insurance on almost all personal items bought using it. For the first three months your item are covered against these issues and BOQ will arrange for it to be replaced or repaired for free, anywhere on the globe.

The prestigious Bank of Queensland Gold Credit Card has one of the best travel rewards programs available on any Australian credit card. What makes this card standout from the rest of the crowd is choice. You have the freedom to choose your airline with this card and have no restrictions.

You can fly any time on any airline with the program called Q Rewards. You will receive 2 Q points every time you spend a dollar on the card. This means that each time you pay for your groceries, your utility bills and your fuel you will be saving up for your next great holiday. If you have to spend this money anyway, why not invest it in a future flight by using your Bank of Queensland card to make your purchases?

The amazing thing about this program, on top of the choices it provides, is that the points don’t expire. A lot of other travel rewards programs have expiry dates on their points which means that if you don’t collect them fast enough you are simply out of luck. Not with this program. You have been on limited amount of time to cash in your points.

You will also be given travel insurance when you travel internationally. This coverage includes lost luggage, medical expenses and much more. You will also receive insurance for purchase cover and you will be protected for an entire year three months against damage, theft or loss on many new items you purchase. You will also receive an extended warranty for up to a year on purchases.

This Gold credit card will also give you access to a concierge service. This is like having a 24/7 personal assistant on hand to help you with many tasks you need to perform but don’t have the time to get done.

Dedicated Customer Service

The Bank of Queensland Gold card gives you certain benefits that you will simply not find in standard credit cards. One of the most important is personal service. For the average credit card client the customer service line can be a hassle that consists of trying to explain your needs and your specific card benefits to the representative. With this gold card that will never be the case. Owners of the BOQ Gold Visa Credit Card get access to a dedicated customer service line that is open all day, every day. This line connects you to representatives who understand your needs and who are at the ready to meet them.

One of the other necessary requirements for a gold level cardholders is access to cash. You have a big bank account and often, big cash needs. As such, the BOQ Gold Visa Credit Card, offers cardholders access to $1,000 in cash advances every day. The funds are easily accessible through any ATM worldwide.

Travel Worldwide in Style and Financial Security

In addition to meeting the requirements of the prestigious cardholder the BOQ Gold Visa Credit Card goes one step further with gold level rewards. The card comes with both complimentary international travel insurance and complimentary travel insurance. All cardholders need to do to access these insurances is use their card to purchase their travel tickets or purchase their personal items. The other big perk is a points program that offers 1.75 points for every dollar you spend on your card. Those points can be used to book flights with any airline through the Take Flight program. This program, called Q Rewards takes the frustration out of booking flights with points because they can be exchanged anytime with no black out dates, on an airline of your choosing.

The BOQ Gold Visa Credit Card is the perfect card for anyone who wants more from their spending. If you are like most people you use your credit cards because it is a convenient way to shop. Imagine if in the midst of your shopping you were also earning points to pay for your next holiday. Imagine too that the holiday and your purchases were protected by top notch insurances. It is not just a dream, with the BOQ Gold Visa Credit Card it is a reality that you simply cannot pass up. While other cards promise you the world this card delivers with excellent rewards designed to thank you, the loyal customer, for choosing them.

Amazing Card for Travelers

Most credit card providers will only give you specific airlines you can redeem your points with but the Bank of Queensland Gold card is different. You will be able to fly with any airline you want when you become a member of this distinguished rewards program.

If you are in the market for a travel card you should check out the Bank of Queensland Gold credit card. It’s nice to have choice when you travel, and this is one card that will give you that choice.