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Blue Visa



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1 point for $1 spentVisauncappedeligible transactions
  • Purchase Protection
  • Price Guarantee


The Bank of Queensland Blue Visa credit card has a moderately low annual fee with high interest rates and a moderately low number of interest-free days. The card has an associated reward scheme that awards points to be redeemed for gifts, merchandise and travel.

This card employs the Q Rewards program to reward customers for the eligible purchases they make on their Bank of Queensland Blue Visa card. Card holders earn 1 reward point for every $1 spent on eligible transactions. These points can then be redeemed for a range of rewards such as electronics, gift cards or travel perks.

The Bank of Queensland Blue Visa card comes with purchase cover insurance that will refund you for personal items that become lost, stolen or damaged within 90 days of purchase.

  • Earn Q Reward Points
  • Free purchase cover insurance
  • Moderately low annual fee
  • High interest rates
  • Moderately low interest-free days
  • Charge for additional card holders


Who is it good for?

The Bank of Queensland Blue Visa credit card is good for existing Bank of Queensland customers looking to keep all of their finances under one roof. Because of the high interest rates, this card may also be reasonable for card holders who typically pay their bill in full each month.

For customers who do not already bank with the Bank of Queensland, this credit card offers few advantages. While card holders will earn points that can be redeemed for a variety of products and perks, many customers will be able to find a comparable rewards scheme with their current bank.

The Bank of Queensland Blue Visa card may not be a good fit for budget customers. Though the annual fee for this card is reasonable, it is not waived in the first year, and you’ll be charged an extra annual fee for additional card holders.

What RateCity says

While this card is a sensible reward card for existing Bank of Queensland customers, this card offers little advantage to those do not already use the Bank of Queensland. Those who do not currently use the Bank of Queensland and want to keep all of their cards under one roof may be able to find a reasonable rewards credit card with their current bank.

The Bank of Queensland Blue Visa has a moderately low annual fee, but it doesn’t necessarily make up for its high interest rate and moderately low interest-free days. Budget card holders may be better off with a no-fee card that offers lower interest rates, particularly if they tend to pay only part of their bill each month. If you’re searching for a rewards card that earns a high rate, you may benefit from a card that waives its annual fee in the first year.


In order to be eligible for the Bank of Queensland Blue Visa card, you must be at least 18 years of age and have a good credit rating. You must earn an annual income of $25,000 or more. Only Australian citizens and Australian permanent residents are eligible for this card. Customers can apply over the phone or online. Bank of Queensland’s secure online application can be saved and completed at a later date.

About Bank of Queensland

Bank of Queensland is one of Australia’s leading regional banks, with 190 branches spread across the country. Bank of Queensland offers an array of personal and business banking solutions, including bank accounts, term deposits, credit cards, loans, insurance and investments. Founded in 1874, Bank of Queensland is in the top 100 Australian companies. Bank of Queensland operates several different brands including Virgin Money Australia, BOQ Finance, BOQ Specialist and St. Andrew’s Insurance.

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