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BOQ BANK
All credit cards Whether it’s for weekly groceries or if you only need a card for reservations, we have a credit card for you. Low Rate Visa Card 
Compare features A low rate card that’s always low and unlike many advertised rates, it won’t leap after a short introductory period. It also offers up to 44 days interest-free. Interest-Free Days Credit Card Compare features  If you use your credit card regularly for purchases or to manage your cash flow, then you’ll appreciate having up to 44 days interest-free and free membership to Q Rewards™ with your Bank of Queensland credit card. If you use your credit card regularly for purchases or to manage your cash flow, then you’ll appreciate having up to 44 days interest-free and free membership to Q Rewards™ with your Bank of Queensland credit card. No Interest-Free Days Credit Card 
Compare features This is a great credit card for emergencies and peace of mind. It is also handy for one-off items such as car rentals or hotel reservations. Special package cards
Compare features We have two special package cards: 1) For Union Shopper members, take a look at the Union Shopper credit card. 2) Find out the benefits of having your credit card through a Home Loan Privileges Package. Rates and fees
| Low Rate Visa
| Interest-Free Days
| No Interest-Free Days
| Interest-free days on purchases
| Up to 44 days on credit purchases
| Up to 44 days on credit purchases
| Nil
| Interest rate (% p.a.)
| 9.99
| 16.75 variable
| 15.75 variable
| Annual account fee
| $49
| $49
| Nil
| Q Rewards™ Points
| Nil
| 1.5 per $1
| 1.5 per $1
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Rewards points
About Q RewardsTM
Our Q Rewards™ program offers you a range of exciting rewards from products to travel options, shopping vouchers and bonus points from over 4,000 Bonus Partner outlets.
Get rewarded simply by using your Bank of Queensland credit card (excludes Low Rate Visa Card). When you get your credit card, you’re automatically enrolled in our Q Rewards™ program. And unlike some other reward programs – it's free.
Q Rewards™ offers a range of exciting incentives, including: Flights – redeemable for all airlines including Virgin Blue, JetStar and Qantas through Flight Points™ and Flight Centre Vouchers Shopping vouchers – redeemable from outlets such as Myer, David Jones, Hoyts, Toys R Us, BaySwiss, Avis and Dreamworld To earn your rewards faster, you're awarded Bonus Partner points when you shop at any of our 4,000 Bonus Partner locations throughout Australia.
What you can do online
You can redeem your Points, check your Points balance, see the latest offers, and from time to time enter competitions to earn more Points or win prizes using the Q Rewards™ website.
Features and benefits:
free membership with no joining fee or annual membership fee $1 spent = 1.5 points, for Interest-Free Days and No Interest-Free Days cards use points to pay your credit card annual fee or make a payment to your credit card balance reward points are not capped – earn as many as you like reward points plus pay top-up option you can earn up to six additional points when shopping at Bonus Partner outlets reward points are redeemable any time via phone and online reward statements and newsletters are issued quarterly reward points expire after three years Payment options
Quick repayment options
We also provide these very simple ways to make credit card repayments:
automatic credit card repayments with Credit Card Saver
Internet Banking and EasyPhone Banking transfers in-person at any branch or Australia Post giroPost outlet Bank of Queensland ATMs – when your transaction account is linked to your credit card mail – post us your payment details and a cheque to:
Bank of Queensland
Reply Paid 2258
Brisbane
QLD 4001
 BPay® – use the biller code on your statement
Credit Card Saver – we’ll take care of your repayments
The Credit Card Saver service allows you to set up automatic credit card repayments helping you to avoid additional interest charges and fees.
This handy facility simply draws a selected amount from your nominated transaction account. You can choose to pay:
your full statement balance;
the minimum monthly repayment; or
a fixed amount each month.
Features
no establishment fees
no monthly transfer fees
no minimum or maximum transfer amount
option to nominate a non-Bank of Queensland transaction account
easy management of your credit card repayments when travelling
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| | | Wealth Creator Books | |  | | Click to visit their Website |
| | Home Loan Service Centre | |  | | Click to visit their Website |
| | Wealth Creator Magazine | |  | | Click to visit their Website |
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Credit Cards 
Melbourne | Australia 1st September, 2005
