Credit Cards
Credit Cards
1300 55 72 72
boq.com.au
Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards. The words “we”, “us” or “our” will generally read as a reference to Citigroup, but if the context requires these words to refer to the BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup. Fees and charges are payable. Citigroup’s standard credit assessment criteria apply. Terms and conditions apply and are available at any Bank of Queensland branch.
Contents
About BOQ credit cards
2
Access anywhere, anytime
3
Platinum Visa card
4
Blue Visa card
5
Low Rate Visa card
6
Q Rewards® program
7
Get more from your card
8
Card protection
8
Apply today
Enjoy the benefits
of a BOQ credit card.
At BOQ we’re ready to help, and can take your application over the counter right now.
BOQ credit cards are all about convenience, flexibility and security in managing your money from day to day. Your credit cards also need to be able to meet your changing needs and suit your lifestyle. That’s why we offer a range of credit cards, each with its own features and benefits. Perhaps you’re looking for a low rate card for everyday spending, such as the Low Rate Visa card. Or maybe it’s the privileges such as the Concierge Service with the Platinum Visa card that appeals to you.
Whatever your needs, you’ll find the right card at BOQ.
In this brochure, you will find all the information on how a BOQ credit card can make your life so much easier.
BOQ’s range of credit cards include:
Platinum Visa card. Take advantage of the premium lifestyle experiences and privileges with Platinum.
Blue Visa card. Earn rewards and enjoy a competitive annual fee.
Low Rate Visa card. Ideal if you’re looking for a low interest rate alternative to a rewards card.
Access anywhere, anytime
All BOQ credit cards offer convenient and secure access both in Australia and internationally.
Features and benefits Platinum Visa card Blue Visa card Low Rate Visa card
Interest free days on
retail purchases Up to 55 Up to 44 Up to 55 Complimentary rewards program
with Q Rewards® points that never expire1
2 points per $1 1 point per $1 Not available
Additional cards Up to four free $15 per card $15 per card Complimentary Purchase
Cover Insurance2
Platinum cover Blue cover n/a Complimentary Guaranteed
Pricing Scheme2
Yes Yes n/a
Complimentary International
Travel Insurance2 Platinum cover n/a n/a
Complimentary Interstate
Travel Inconvenience Insurance2 Yes n/a n/a
Complimentary Transit Accident Insurance2
Yes n/a n/a
Complimentary Extended Warranty Insurance2
Yes n/a n/a
Platinum Personalised Rewards
and Concierge Service1 Yes n/a n/a
Credit limits $6,000 – $30,000 $2,000 – $10,000 $2,000 – $20,000
Access type Available on all BOQ credit cards
Visa acceptance Use your card wherever Visa is accepted worldwide ATM and EFTPOS Access your credit card through rediATMs and EFTPOS Linked accounts Access your linked BOQ accounts via ATMs worldwide Internet Banking Available 24 hours a day, 7 days a week at boq.com.au* EasyPhone Banking Available 24 hours a day, 7 days a week on 13 72 72 Branch access At any BOQ branch in Australia
BPAY® Pay bills with BPAY® facility Easi-Pay Automatic repayments with Easi-Pay
Visa payWave Simpler and smarter way to pay for purchases under $100
Lost or stolen cards Free replacement for lost or stolen cards and 24/7 lost and stolen reporting
1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards® program.
Platinum Visa card
A BOQ Platinum Visa card
offers the premium
lifestyle experiences and
privileges of Platinum.
This premium card offers Platinum Personalised Rewards and 2 Q Rewards® points per dollar.
Plus, enjoy 24 hour personal Concierge Service, higher credit limits and a range of additional protection benefits.
Platinum Personalised Rewards and Q Rewards® program1
Earn 2 Q Rewards® points for every $1 spent, up to 240,000 points per year. Plus your points will never expire.
Spend them on whatever you want — from school fees to an island getaway or a special gift – with the exclusive Platinum Personalised Rewards program.
International Travel Insurance, Interstate Flight Inconvenience and Transit Accident Insurance2
You and, in most cases, your family, are automatically covered when you purchase your travel tickets with your Platinum Visa card.
You are covered for unexpected travel cancellations, unlimited medical expenses, personal liability and loss and damage to personal items for up to six months for return tickets and 31 days for one-way tickets.
Guaranteed Pricing Scheme2
Receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply.
Priority 24-hour customer service on a dedicated Platinum Visa card enquiries line
You can call us on 1300 72 31 34 anytime.
Up to 55 days interest free on retail purchases
Higher levels of Purchase Cover Insurance2
You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum Visa card. Conditions apply.
Extended Warranty Insurance2
Additional warranty, up to 12 months, on Platinum Visa card purchases for most personal items with a manufacturer’s warranty of five years or less.
Up to four additional cards free
Card acceptance worldwide wherever Visa is accepted
Access anywhere, anytime
Access your Platinum Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure.
1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards® program.
2 Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance
Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup, and is subject to the Terms and Conditions and exclusions available at boq.com.au. An excess applies to Purchase Cover Insurance.
Blue Visa card
A BOQ Blue Visa card gives you great value and rewards.
Enjoy everyday rewards and added benefits including:
Q Rewards® program1
Earn 1 Q Rewards® point for every $1 spent, up to 65,000 points per year. Plus your points will never expire.
Guaranteed Pricing Scheme2
Receive a refund of the price difference when you purchase in store an eligible item which later goes on sale. Conditions apply.
Purchase Cover Insurance2
You will be covered for any items lost, stolen or damaged anywhere in the world within 90 days of purchase on your Blue Visa card. Conditions apply.
Low annual card fee
Up to 44 days interest free on retail purchases
Card acceptance worldwide wherever Visa is accepted
Access anywhere, anytime
Access your Blue Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure.
1 Redemption of rewards is subject to the Terms and Conditions of the Q Rewards® program.
2 Complimentary insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance
Low Rate Visa card
A BOQ Low Rate Visa card is a great option
if you’re looking for an alternative to a rewards
card with a low interest rate.
With a Low Rate Visa card, enjoy:
Up to 55 days interest free on retail purchases
A low annual fee
A low variable interest rate on retail purchases
Card acceptance worldwide wherever Visa is accepted
Access anywhere, anytime
Access your Low Rate Visa card where and when it suits you. You can find the full list of our convenient and secure access options in the front of this brochure.
Q Rewards
®
program
When you apply for a credit card (excluding
Low Rate Visa card), you’re automatically
enrolled in the Q Rewards
®program.
Q Rewards® is a flexible rewards program that offers a range of exciting lifestyle and shopping opportunities. What’s more, unlike some other reward programs, it’s free.1
Q Rewards® points are earned at the following rates:
Platinum Visa card — 2 points per $1 spent
Blue Visa card — 1 point per $1 spent
Tracking and redeeming your points is convenient and easy. You can quickly access your Q Rewards® points balance over the phone or online and a summary is also provided in your monthly statement. Rewards can be redeemed just as easily with phone or online access. You can redeem your points the next business day after the transaction is processed, so you can enjoy rewards almost as soon as you earn them. Our Fast Track service allows even greater reward access by allowing you to use cash or your credit card to make up the difference on a rewards purchase that is beyond your points balance. Q Rewards® also offers shopping vouchers that are redeemable at outlets such as Myer,
David Jones, Dymocks, Bunnings, Target, Kmart, Coles and Accor Hotels.
And remember, because enrolment is automatic and free, you start earning points on your BOQ credit card straight away!
Take Flight Travel Service
1Enjoy the flexibility of using your Q Rewards® points or a combination of points plus pay to book a range of travel options, including flights on any airline, accommodation, cruises, travel packages and more. We also offer a dedicated Take Flight Travel call centre2 where
our expert consultants will assist you with all your travel needs.
You can call Take Flight Travel Service call centre on 1300 137 651 weekdays between 9am to 7pm. For more information visit www.qrewards.com.au
1 Redemption of Rewards and the Take Flight Service are subject to the Terms and Conditions of the BOQ Q Rewards® program.
For full terms and conditions of the Q Rewards® program, please refer to your Q Rewards® Terms and Conditions. If you need a copy, visit qrewards.com.au or call 1300 206 349.
Get more from your card
When you hold a BOQ credit card, you can enjoy
access to other special privileges.
Special personalised offers. You’ll enjoy access to special promotions and offers, tailored to your needs. To find out more visit any BOQ branch, go online at boq.com.au or call us.
Convenience of payWave. You can now use your new BOQ credit card with Visa payWave for purchases under $100 at participating merchants to make payment faster and easier. All you need to do is hold your card against the Visa payWave reader, wait for the approval and you’re good to go.
Card protection
Your BOQ card offers a range of protection benefits for your security and peace of mind.
Pen or PIN?
Choose whether you wish to sign or enter your four-digit PIN as proof of identity when making over-the-counter transactions at selected merchants. A PIN is designed to make things quicker at the counter and will generally result in a faster transaction process.
Secure chip technology
Your BOQ credit card includes secure chip technology for added protection. The embedded microchip stores your card’s data and is designed to make your transactions more secure by minimising fraud.
Fraudshield
®Your BOQ credit card comes with enhanced fraud protection — something that’s never been more important. Fraudshield® monitors your credit card and informs you immediately of any irregular spending, which is often a sign of fraudulent use.
Optional Credit Card insurance
1With credit card insurance you can rest assured knowing that your credit card repayments are covered if the unexpected were to happen to you. There’s nothing holding you back when you have a plan in place to help protect you and your family’s financial security in the event of serious illness, accidental injury or the loss of your job. For more information on credit card insurance call 1300 55 72 72 (or 1300 72 31 34 for Platinum card customers).
Card replacement guarantee
VISA guarantee 24-hour emergency replacement of lost and stolen cards anywhere within Australia. Outside Australia, VISA guarantee replacement of a lost or stolen card almost anywhere in the world within 48 hours.
1 The distributor of the optional insurance is Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No.