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BOQ Low Rate Credit Card

The BOQ Low Rate Credit Card offers 0% p.a. for 18 months on balance transfers. Ongoing benefits include a low ongoing interest rate.


Updated 8 May 2025


Fact checked and verified. Updated 8 May 2025
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Expert Review

As the name suggests, the BOQ Low Rate credit card is BOQ's low interest rate product. This is also the only credit card BOQ offers in the low interest rate category. Featuring a competitive Purchase interest rate of 13.99% p.a., which is BOQ's lowest, and including up to 55 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% lowest purchase rates. Further, the product has a $65 annual fee. As a result, this card ranks among the lowest 25% annual fee products.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive.

Balance Transfer.
For a limited time the BOQ Low Rate credit card has a special 0% p.a. Balance Transfer offer for 18 months. Of note, there is also a 2% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down."
- BOQ
Rewards

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No rewards program

Fees
Account Fees

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$65 annual account fee

Transaction Fees

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3.40% international transaction fee

Other fees may apply.

Rates

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13.99% p.a. variable purchase rate

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21.99% p.a. variable cash advance rate

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Up to 55 interest free days on purchases

Offers
Balance Transfer Offer

0% for 18 monthson balance transfers (2.00% BT fee applies), reverts to 21.99% p.a.

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the BOQ website.

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