• Q Rewards® program

    points allow you to fly any airline any time^
  • Earn 1 Q Reward Point per $1 spent

    Q Rewards points never expire
  • International travel insurance*

    for everything from medical emergencies to lost luggage or missed flights
  • Purchase Cover Insurance*

    on most new items you're covered against loss, theft or damage for three months
  • 1.9% p.a. for 9 months on balances transferred1

    Receive a low introductory rate of 1.9% p.a. for 9 months on balances transferred, after the 9 month introductory period the rate will revert to the cash advance rate1.
  • Priority 24-hour customer service on a dedicated Gold Visa card enquiries line

  • $1,000 daily cash advance limit through ATMs


You will need the following information Approval Criteria
  • Your Drivers Licence number, if you have one.
  • Your employer's address and switch telephone number (as listed in the White Pages).
  • If self-employed, your accountant's name, company name and phone number.
  • Details of the accounts you would like to transfer balances from.
  • Are at least 18 years of age.
  • Have a good credit rating.
  • Earn a taxable income of $30,000 per year or more.
  • Are a permanent Australian resident.



Fees and charges apply. Terms and conditions apply and are available at any any Bank of Queensland branch or online.

Subject to your acceptance you will be billed an annual account fee which is currently $120 for the Primary BOQ Gold Visa credit card and $15 per supplementary card. Allow up to 15 working days to process your Application subject to verification.

1. The 1.9% p.a. interest rate is only available on balances transferred with this offer. Transferred balances are repaid first. Purchases and cash advances are at the standard Bank of Queensland credit card rate, currently 20.74% p.a. on retail purchases and 21.74% p.a. for cash advances. Rates are variable and subject to change. Interest rates last updated 20/12/2010.

* This insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 233507 and Citigroup Pty Limited, and is subject to Terms and Conditions and exclusions available at www.boq.com.au. An excess applies to Purchase Cover Insurance.

^ Take Flight allows you to use your Points towards flights on most major airlines travelling within and from Australia. All travel is subject to availability and confirmation. Bookings must be made through Take Flight. Redemption of rewards and the Take Flight service is subject to the Terms and Conditions of the Bank of Queensland Q Rewards® Program.

This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.