- 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
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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 RewardsRewards Program
Q Rewards
Bonus Points
50,000 pts
Spend $3,500 on eligible purchases within 3 months of approval
Pros and cons
- 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. Ask Pauline a Question 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
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
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 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
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