Credit cards


How can a BOQ Specialist credit card reward you?

We believe it's important to find the credit card that is right for you. Whether you are a doctor, dentist, vet, student or graduate, we have a credit card to match your personal and business needs.

Everyone likes to be rewarded. That’s why our credit cards come with an exciting range of premium benefits. You’ll find it’s easier than expected to earn, enjoy and relax.

Compare our credit cards

You can choose from and apply for two different BOQ Specialist Visa credit cards – Platinum and Signature. 

 

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Platinum credit card with Qantas Points or Velocity Frequent Flyer Points Signature credit card with Qantas Points or Velocity Frequent Flyer Points
The BOQ Specialist Platinum card with Frequent Flyer Points offers a host of great benefits and earns uncapped rewards that can be redeemed on a range of items to suit your needs, including flights, hotels and more. The BOQ Specialist Signature card with Frequent Flyer Points offers exceptional benefits that earns uncapped Frequent Flyer Points on spend.


Features and Benefits
Choose between earning either Qantas Frequent Flyer Points or Velocity Frequent Flyer Points.

Apply for complimentary Qantas Frequent Flyer membership (saving A$99.50), or register at no cost for the Velocity Frequent Flyer program.
Choose between earning either Qantas Frequent Flyer Points or Velocity Frequent Flyer Points.

Apply for complimentary Qantas Frequent Flyer membership (saving A$99.50), or register at no cost for the Velocity Frequent Flyer program.
Complimentary travel insurance
Priority Pass airport lounge access
Concierge and Front Line Access provided by Visa
Personalised service and 24/7 purchase security through Visa Secure, Eftpos Secure and Orion
Visa Luxury Hotel Collection
Apple Pay
Google Pay
Reward Points
0.5 Qantas Points or 0.5 Velocity Points for every $1 spent on eligible purchases in Australia up to 5 000 points per month, and 0.25 points per $1 thereafter. 1 Frequent Flyer Point for every $1 spent on eligible purchases in Australia up to 10 000 points per month and 0.5 points per $1 thereafter
1 Frequent Flyer Point for every $1 spent on eligible international purchases 1.5 Frequent Flyer Points for every $1 spent on eligible international purchases
_ 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
_ Use the Signature credit card 10 times in the first two months and you could earn an additional 20 000 bonus Frequent Flyer Points
Fees and Charges
Fees per annum (p.a) $150 p.a $400 p.a
Days interest free Up to 55 days interest free Up to 55 days interest free
Eligibility
Minimum Income Requirement $60 000 (students exempt from minimum income requirement) $120 000
Minimum age 18 18
Minimum Credit Limit $6 000 $15 000

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  • Important Information

      Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.

      The issuer and credit provider of these products and services is BOQ Specialist. Terms and conditions, fees and charges and lending and eligibility criteria apply. You should obtain and consider the product terms and conditions before making any decision about whether to acquire the products. We reserve the right to cease offering these products at any time without notice.

      For target market determinations please click here.

      *Qantas Points
      You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points is subject to the Member Terms and Conditions. Qantas Points will be earned on eligible transactions in accordance with the BOQ Specialist Qantas Rewards Program Terms and Conditions. See definition of Eligible Transaction in the BOQ Specialist Qantas Rewards Program Terms and Conditions. 

      "Velocity Points
      Velocity Member Terms and Conditions apply. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points and bonus points are earned on eligible purchases only. See definition of eligible purchases in the BOQ Specialist Velocity Rewards Program Terms and Conditions. 

      +Signature bonus points offer
      To be eligible for the 20 000 bonus points offer, you must apply for, be approved and pay the full fee for a BOQ Specialist Signature card and make 10 eligible purchases within 60 days of opening your account. Reward points will be credited to the qualifying member account within two months of the tenth eligible purchase. The bonus points offer is available to new BOQ Specialist Signature credit cardholders only and is not available in conjunction with any other offer.

      ~Insurances
      BOQ Specialist card insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). BOQ Specialist has entered into a Group Policy for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances. Before making a decision, consider the full terms and conditions for each complimentary insurance policy you are eligible for at www.boqspecialist.com.au. BOQ Specialist does not guarantee this insurance. Chubb and BOQ Specialist only provide general advice and do not consider your objectives, financial situation or needs.

      ^Visa Premium and Visa Concierge
      The Visa Premium and Visa Concierge are provided by a third party supplier. For details of this service refer to visapremium.com.au/concierge.
      Platinum and Signature cardholders receive exclusive access to unique events. Each event will be subject to separate terms and conditions. See visapremium.com.au for more information.
      Signature cardholders receive exclusive benefits at select hotels. Terms and Conditions apply, visit visasignaturehotels.com for more information.
      Platinum and Signature cardholders receive discounts on the published rates of the Airport Fast Track immigration service. Visit speedpass.yqnowgroup.com to book and to view the terms and conditions that apply
      .

      **Priority Pass™
      One complimentary Priority Pass™ Standard Membership for the primary cardholder is a special feature of the BOQ Specialist Signature credit card. Signature cardholders will automatically be enrolled for the Priority Pass™ Standard membership. The primary cardholder is entitled to four complimentary visits to Priority Pass lounges and may bring one guest per visit free of charge per calendar year. Any additional guests will be charged directly to you by Priority Pass™ at their ordinary price, currently US$29 per person per visit. Membership is subject to the Conditions of Use available at www.prioritypass.com.