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Bank of Queensland Low Rate Visa

Bank of Queensland Low Rate Visa

3.0 from 1 review

See the Best Low Rate Credit Cards in 2019 as rated by Australians on ProductReview.com.au.


  • 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


CategoryLow Rate Credit Cards and Balance Transfer Credit Cards
Card TypeVisa
Minimum Income $25,000
Additional Cardholder Fee $15 p.a.
Contactless PaymentsSamsung Pay
Rates & Fees
Purchase Rate13.49% p.a.
Cash Advance Fee3.5%
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 Rate21.49% p.a.
Introductory Offers
Introductory Rate 0% p.a. for 14 months
Balance Transfer Rates
Balance Transfer Period 14 months
Balance Transfer Rate 0% p.a.
Release dateFeb 2007

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Review distribution

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1 star



  • 5 reviews



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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