Low Rate Visa Card
A low rate card that offers a great low rate on purchases and up to 44 interest free days.
Features and benefits
- low interest rate
- low annual card fee
- up to 44 days interest-free on purchases
- purchases online, by phone or in person
- pay bills with BPAY
- Internet Banking and EasyPhone Banking access
- Visa – accepted worldwide
- you can request automatic credit card repayments with Credit Card Saver
Your choice of card colours
The Low Rate Visa Card is available in four colours: indigo, orange, green and black. Your card can be as individual as you are – as well as enjoying a ridiculously low rate. View colours
Just 12.49% p.a.* – why pay more?
If you’re paying more on your purchases, you shouldn’t be. This rate is one of the lowest around.
Transfer and save immediately
Don’t be content paying high interest rates. If you currently have a credit card or store card elsewhere, you can easily transfer the outstanding balance to a Low Rate Visa Card and start saving right away. Download the Balance Transfer Form (PDF 86kb)
Interest rates and fees
Interest rates and selected fees are located on the Today's Rates page.
Apply for a Low Rate Visa Card conveniently by applying online via BOQApply.
Alternatively, apply by downloading and printing the application form (PDF 447kb), visiting a branch or calling us on 1300 55 72 72. Find out what information we need from you to open an account. 
Important information
Please view the terms and conditions listed below on the Terms and Conditions page:
- Personal Banking Guide to Fees and Charges
- Personal Lending Supplementary Terms and Conditions
- Credit Card Conditions of Use
Information current as at 22 September 2008.
*The current interest rate applicable to Cash Advances and Retail Purchases is 12.49% p.a. Effective 23 February 2009, the Cash Advance interest rate will increase by 4.00% p.a. above the Retail Purchase interest rate as at that date. For example, if this was to be calculated today, the Cash Advance interest rate would increase to 16.49% p.a.
#Subject to approval of your application for a Bank of Queensland Credit Card (Credit Cards). Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 (Citigroup) is the credit provider and issuer of Credit Cards. Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Normal credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any Bank of Queensland branch.
Bank of Queensland Ltd ABN 32 009 656 740 (Bank) distributes Credit Cards under an agreement with Citigroup. The Bank does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words refer to the Bank, they will refer to the Bank undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.