Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

50,000 Spend $3,500 on eligible purchases within 3 months of approval
Bank of Queensland Blue Credit Card
Bank of Queensland Blue Credit Card

Bank of Queensland Credit Cards

Bank of Queensland Blue Credit Card

Updated 16 October 2025

Earn 50,000 bonus Q Rewards® Points when you spend $3,500 on eligible purchases within 3 months of approval. Enjoy a low $89 annual fee and earn 1 Q Rewards® Point for every $1 spent on eligible transactions, with no points capping or expiry.
New customers only. T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Q Rewards

Rewards Program

Q Rewards

Bonus Points

50,000 pts

Spend $3,500 on eligible purchases within 3 months of approval

Pros and cons

  • Receive 50,000 bonus Q Rewards® Points when you apply for a new card, get approved, and spend at least $3,500 on eligible transactions in the first 3 months from card approval. T&Cs apply.
  • 1 Point for every dollar spent with Q Rewards
  • Up to 44 days interest-free on purchases
  • Low annual fee of $89
  • Visa payWave
  • Complimentary Purchase Cover Insurance

  • High purchase rate

Creditcard.com.au review

Editor Review

Bank of Queensland Blue Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. about this card.

The Bank of Queensland Blue Credit Card

As BOQ’s classic rewards card, the Bank of Queensland Blue Credit Card gives you access to the Q Rewards® program, where you can earn points redeemable for travel, merchandise, gift vouchers, or even convert them to flybuys points. With a low annual fee and simple earning structure, this card keeps rewards straightforward and easy to manage.

What we love...

One of the biggest drawcards of the BOQ Blue Credit Card is its simplicity and value. For a modest annual fee, cardholders can enjoy a practical rewards program without the high costs often associated with other rewards cards./p>

You’ll earn 1 Q Rewards® Point for every $1 spent on eligible purchases, with no points capping or expiry, making it easy to build up rewards over time. There are no fees to join Q Rewards, and redemption options are broad—from flights, hotels, and car hire to shopping at the Q Rewards Store for merchandise and gift cards. You can also convert points to flybuys or Velocity points, or use Select and Credit to cover eligible card transactions, reduce your annual fee, or get cashback.

Beyond rewards, the card includes Purchase Cover Insurance, which protects your purchases against loss, theft, or damage for up to 90 days after purchase. Plus, if an item you buy goes on sale soon after, you could be refunded up to $500 under the Price Guarantee benefit (T&Cs apply).

What’s not so great...

While this is a strong everyday rewards card, it’s worth noting that its interest rate is on the higher side. To get the most value, it’s best to pay off your balance in full each month and take advantage of up to 44 days interest-free on purchases.

It also doesn’t include premium perks like lounge access or travel insurance, which are typically found on higher-tier rewards cards.

Why should you choose this card?

If you want a straightforward, flexible rewards card with a low annual fee and no expiry on points, the Bank of Queensland Blue Credit Card is an excellent choice. With a minimum annual income requirement of $25,000, it’s an accessible option for everyday spenders who want to earn rewards without the complexity or cost of premium cards.

Overall Rating

A simple, rewarding, and affordable credit card, the BOQ Blue Credit Card offers great value through uncapped Q Rewards® Points, a low annual fee, and useful purchase protection benefits—making it a smart option for cardholders who want to earn rewards while keeping their credit card costs low.

User reviews

Bank of Queensland Blue Credit Card ( based on 1 Creditcard.com.au user review )

65% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.99% p.a.

Introductory purchase rate 0% p.a. for 6 months

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 44 days

Credit limits

Minimum credit limit $2,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $89 p.a.

Additional cardholder fee Up to 4 - $15 p.a. each

Foreign transaction fee 3.4%

Minimum repayment $25 or 2%, whichever is greater

Cash advance fee 3.5% (Domestic); 1.5% (International)

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Q Rewards Q Rewards

Bonus points 50,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,500 on eligible purchases within 3 months of approval

Earning points with this card

Q Rewards Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Guaranteed Pricing Scheme

Overview

Bank of Queensland Blue Credit Card

Bank of Queensland Blue currently offers 50,000 bonus Q Rewards® Points when you spend $3,500 on eligible purchases within 3 months of approval. Earn 1 Point per $1 spent with Q Rewards. Enjoy purchase cover insurance, and cardholders can also benefit from up to 44 days interest-free on purchases if you pay your balance in full each month.

Key features

  • Receive 50,000 bonus Q Rewards® Points when you apply for a new card, get approved, and spend at least $3,500 on eligible transactions in the first 3 months from card approval. T&Cs apply.
  • $89 annual fee
  • Up to 44 days interest-free on purchases
  • You can request automatic credit card repayments with Easi-Pay
  • Purchase Cover Insurance - on most new items you're covered against loss, theft or damage for three months
  • Visa Pay Wave

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or a permanent resident

  • Minimum income of $25,000 p.a.

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

8 questions (showing the latest 10 Q&As)

Tim Stevens

Tim Stevens

13 September 2020
Hi Roland , has BOQ got a balance transfer card with min 18 months 0% interest rate, that I can transfer balance of a personal loan I have onto it , thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2020
    Hi Tim, yes, as the card is issued through Citi. You can transfer non-Citi personal loans to this balance transfer offer.
SHONIQKUA MARTIN

SHONIQKUA MARTIN

12 February 2018
HOW OLD DO YOU HAVE TO BE TO GET A KEY CARD
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 February 2018
    Hi Shoniqkua, a key card linked to a bank account I am not sure of. You need to be 18 to be able to apply for a credit card in Australia.
Mark Allen

Mark Allen

2 April 2017
How long will my application take to approve?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 April 2017
    Hi Mark, it typically takes 5-10 working days to process an application though this can be much faster at times.
Mark Allen

Mark Allen

2 April 2017
How much would my initial credit limit be ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 April 2017
    Hi Mark, your credit limit is decided by the bank at the time of application. Therefore before you apply for a card there is no way of knowing what credit limit will be assigned to you.
Jan

Jan

27 January 2016
Are the Qantas points capped in any way.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 January 2016
    Hi Jan, this card and BOQ rewards cards in general earn Q points, rather than Qantas points. Q points are a custom rewards program from BOQ. The Q points are not capped. If you are looking for a card that earns Qantas points then you should check out some different offers. The AMEX Qantas Discovery Exclusive with no annual fee for life, 15k bonus points and uncapped points earning. More premium with the NAB Qantas Rewards Premium, 60k bonus points plus dual cards and great features but $250 annual fee. You can check out a range of different offers in our Frequent Flyer sections that may suit your needs.
Ahmad

Ahmad

5 December 2015
What if my credit history is bad still I'm elligible to apply for credit card bank of QLD
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 December 2015
    Hi Ahmad, sorry, as before, there will be no credit cards on this site that are truly for bad credit and where you are likely to be approved.
annette

annette

13 October 2015
Will a poor credit rating jepordise my chances of getting this CC?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 October 2015
    Hi Annette - yes, a poor credit rating will make it very difficult to be approved for a credit card in Australia. When I had 1 paid default in my credit history I was unable to be approved for an application. Basically I waited 5 years until it was removed then applied for credit again. Every situation is different based on assets, income, expenses and the alike but it is very difficult to be approved for a credit card without good credit history.
bryan sutcliffe

bryan sutcliffe

17 August 2015
What is a q point is it or can it be converted to a frequent flyer point ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2015
    Hi Bryan, Q points are the custom rewards program with BOQ. Check out https://www.boqrewards.com - this will give you the full details. The points cannot be converted directly into Qantas points, more you use the Take Flight program to book flights with any airline.
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.