Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee
0% p.a. on Balance Transfers for 14 months
3.4% International Transaction Fee
No attached rewards program
|Category||Low Rate Credit Cards and Balance Transfer Credit Cards|
|Additional Cardholder Fee||$15 p.a.|
|Contactless Payments||Samsung Pay|
|Rates & Fees|
|Purchase Rate||13.49% p.a.|
|Cash Advance Fee||3.5%|
|Late Payment Fee||$10|
|Annual Fee||$55 p.a.|
|Foreign Transaction Fee||2%|
|Overseas ATM Withdrawal Fee||$4|
|Interest Free Period||55 days|
|Cash Advance Rate||21.49% p.a.|
|Introductory Rate||0% p.a. for 14 months|
|Balance Transfer Rates|
|Balance Transfer Period||14 months|
|Balance Transfer Rate||0% p.a.|
|Release date||Feb 2007|
I didn't keep this card despite the excellent customer service firstly because overall I couldn't understand why I was paying the same dollar amount of interest as with a card with a much higher advertised rate. But the deciding factor when I cancelled the card was when I read that BoQ had sold their credit cards to Citibank, a company that I didn't really want to maintain a credit card account with.
Personal service by a branch bank manager.
Despite the low interest rate and a recommendationt that it was one of the cheapest cards around, I still ended up paying roughly the same dollar amount in interest after transferring my balance.
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