BOQ Platinum Visa Credit Card Australia, Score 100,000 Q Rewards with 12-Month 0% Balance Transfer

Why the BOQ Platinum Visa is worth a look in Australia

The BOQ Platinum Visa credit card packs a strong welcome offer: 100,000 Q Rewards points after you spend A$4,500 on eligible purchases in the first three months. Add a 12-month 0% balance transfer option (with a 1% fee) and you’ve got one of the more compelling combos for Aussie cardholders aiming to earn points while restructuring debt.

With a competitive earn rate and flexible redemptions, this card suits both travellers and regular shoppers. Keep in mind the annual fee is A$65 for year one, reverting to A$129 p.a., so plan to extract value from the points and benefits early to offset the higher ongoing fee.

How to maximise the 100,000 Q Rewards bonus

To hit the 100,000 Q Rewards sign-up bonus, concentrate essentials and planned spending on the card to reach the A$4,500 threshold within three months. Eligible transactions typically include everyday purchases, bills and groceries—just avoid cash advances and fees that don’t earn points.

Once points land, redeem strategically: transfer to Velocity Frequent Flyer for flights, use gift cards at Woolworths or Myer, or book travel through the Q Rewards portal. The flexibility of Q Rewards boosts the card’s overall value for Australians who travel domestically and overseas.

Balance transfer feature and cost considerations

The 0% balance transfer for 12 months is a strong selling point, especially if you have existing credit card debt. The balance transfer fee is 1% up front, and any remaining balance after 12 months will revert to the standard rate (currently around 21.74% p.a.), so set a payoff plan before applying.

Compare the total cost with other 0% offers and factor in the card’s annual fee after the first year. If you plan to keep the card long-term, ensure the ongoing rewards and redemption options outweigh that A$129 p.a. fee from year two onwards.

Everyday perks, eligibility and application tips

The BOQ Platinum Visa credit card earns on everyday spending and supports point transfers to partner programs like Velocity and flybuys, giving extra utility for frequent flyers and supermarket shoppers alike. It also typically includes travel insurance and concierge-style benefits that complement point redemptions.

To apply, be over 18, an Australian resident and meet the income and credit checks. Gather payslips, ID and details of existing liabilities to speed approval. If you’re after travel value and a short-term balance transfer, this card is worth comparing with other Aussie platinum options.