BOQ Low Rate Visa Credit Card

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 13.49%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Accepted at over 61 million locations and ATMs worldwide.

• Interest Free Transfers Additional Information: 0% p.a. on balance transfers for 18 months. No balance transfer fee. Reverts to cash advance rate. No interest free days apply while you have a balance transfer.

• Balance Transfers

• Interest Free Additional Information: Up to 55 days interest free for your purchases (Interest Free Days are not available if you have a Balance Transfer).

• Other Additional Information: Low interest rate (13.49% p.a) on purchases.

• Other Additional Information: Added security and authorisation for online purchases with Verified by Visa, FRAUDSHIELD and Visa Zero Liability.

• Other Additional Information: For purchases of up to $100, simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.

 Product Eligibility

• Min Income - 25000.0000000000. Additional Information: Earn a taxable income of $25,000 per year or more

• Residency Status - Resident Or Citizen. Additional Information: Be a permanent Australian resident or citizen

• Other Additional Information: Have a good credit rating

• Min Age - 18. Additional Information: Be at least 18 years of age

• Natural Person

 Bank Fees and Charges

• Overlimit Fee (Event), Amount: 0.0000. Additional Information: Fee per statement period when your credit limit is exceeded. $40 for accounts approved prior to 1 July 2012.

• Additional Card Holder Fee (Periodic), Amount: 15.0000. Additional Information: Annual Fee for Additional Cards.

• International Cash Advance (Withdrawal), Amount: Not Listed.. Additional Information: International cash withdrawls made outside Australia on your credit card. Minimum fee amount of $4.00 and maximum amount of $30.00 debited to your Account on the Transaction Date.

• International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: For retail purchases or cash advance transactions made in a foreign currency or using a foreign merchant.

• Dishonour Fee (Event), Amount: 10.0000. Additional Information: Fee for each time a cheque or Direct Debit payment is dishonoured.

• Paper Statement Fee (Event), Amount: 2.0000. Additional Information: For each statement period we issue you with a paper statement, $2 will be debited to your account in the following statement period. This may be waived in limited circumstances.

• Domestic Cash Advance Above $100 (Withdrawal), Amount: Not Listed.. Additional Information: Domestic cash withdrawals from your credit card.. For any Cash Advance equal to or over $100 debited to your Account on the Transaction Date.

• Annual Fee (Periodic), Amount: 55.0000.

• Late Payment Fee (Event), Amount: 30.0000. Additional Information: Fee for each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date.

• Domestic Cash Advance Below $100 (Withdrawal), Amount: 3.5000. Additional Information: Domestic cash withdrawals from your credit card.

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.0000000000

 Document Downloads

  boq-credit-card-terms-and-conditions.pdf (196.9 KB)
  credit-card-fees-and-charges-guide.pdf (81.2 KB)