{
  "brand": "Bank of Queensland Limited",
  "brand_label": "BOQ",
  "brand_slug": "bank-of-queensland-limited",
  "legal_entity_abn": "32009656740",
  "public_base_uri": "https://api.cds.boq.com.au",
  "logo_uri": "https://www.boq.com.au/content/dam/boq/images/miscellaneous-images/boq-logo2.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-21T04:44:46Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":39,"of":52,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":65.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":5,"of":22,"product_label":"Low Rate Visa Credit Card","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":65.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":30000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":24,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":7,"of":24,"product_label":"Blue Visa Credit Card","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":89.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":6,"bt_fee_pct":1.0,"bt_revert_rate_pct":21.99,"rewards_program":"Q Rewards","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate)",
        "credit limit $2,000 to $30,000",
        "minimum income $25,000 a year",
        "Have a good credit rating",
        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
        "annual fee for each additional cardholder, except on Platinum",
        "3.3% international transaction fee",
        "permanent Australian resident and Australian tax resident"
      ],
      "k2": [
        "0.00% on balance transfers for 6 months, 1% transfer fee, then 21.99% (the cash advance rate)",
        "credit limit $2,000 to $50,000",
        "minimum income $25,000 a year",
        "Have a good credit rating",
        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
        "annual fee for each additional cardholder, except on Platinum",
        "3.3% international transaction fee",
        "permanent Australian resident and Australian tax resident",
        "1 Q Rewards point per $1, uncapped"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "a0f3781e-102c-ee11-9966-002248e1d7d5",
      "product_name": "BOQ Blue Visa Credit Card",
      "product_label": "Blue Visa Credit Card",
      "product_slug": "blue-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/blue-visa-credit-card/",
      "product_url": "https://www.boq.com.au/personal/credit-cards/blue-visa-credit-card",
      "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/",
      "fees_url": "https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards",
      "eligibility_url": "https://www.boq.com.au/personal/credit-cards/blue-visa-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our Blue Visa Credit Card rewards you when you buy - earning you 1 Q Rewards® credit card point for every dollar of eligible spend, which you can put towards just about anything.",
      "purchase_rate_pct": 21.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Perce…",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 89.0,
      "fee_period": "annual",
      "fee_as_stated": 89.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
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      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": 3.5,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
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        "promo_months": 6,
        "fee_pct": 1.0,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": 21.99,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 6,
            "fee_pct": 1.0,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "Earn 50,000 Q Rewards Bonus Points & 0% p.a. on Balance Transfers for 6 months. When you spend $3,500 on eligible purchases within 90 days from approval. With a 1% Balance Transfer Fee. Reverts to Cash Advance rate thereafter."
          }
        ]
      },
      "rewards_program": "Q Rewards",
      "rewards_programs": [
        "Q Rewards"
      ],
      "rewards_program_fee": null,
      "bonus_offer": "50000 Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on eligible purchases within 90 days from approval.",
      "cashback_offer": null,
      "insurances": [
        "Extended Warranty Insurance",
        "Purchase Protection Insurance"
      ],
      "digital_wallets": [],
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      "min_credit_limit": 2000.0,
      "max_credit_limit": 50000.0,
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        "groups": [],
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      },
      "conditions": [
        "0.00% on balance transfers for 6 months, 1% transfer fee, then 21.99% (the cash advance rate)",
        "credit limit $2,000 to $50,000",
        "minimum income $25,000 a year",
        "Have a good credit rating",
        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
        "annual fee for each additional cardholder, except on Platinum",
        "3.3% international transaction fee",
        "permanent Australian resident and Australian tax resident",
        "1 Q Rewards point per $1, uncapped"
      ],
      "eligibility": [
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      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
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          "kind": "rewards",
          "rank": 7,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/a0f3781e-102c-ee11-9966-002248e1d7d5",
      "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-queensland-limited/a0f3781e-102c-ee11-9966-002248e1d7d5.json",
      "snapshot_at": "2026-10-24T09:57:46Z",
      "bank_last_updated": "2026-10-05T00:05:19Z",
      "from_issuer_page": null
    },
    {
      "product_id": "9af3781e-102c-ee11-9966-002248e1d7d5",
      "product_name": "BOQ Low Rate Visa Credit Card",
      "product_label": "Low Rate Visa Credit Card",
      "product_slug": "low-rate-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/low-rate-visa-credit-card/",
      "product_url": "https://www.boq.com.au/personal/credit-cards/low-rate-credit-card",
      "terms_url": "https://www.boq.com.au/personal/help-and-support/forms-and-important-information/terms-and-conditions/",
      "fees_url": "https://www.boq.com.au/personal/help-and-support/rates-and-fees/credit-cards",
      "eligibility_url": "https://www.boq.com.au/personal/credit-cards/low-rate-credit-card",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
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      ],
      "segment": "personal",
      "description": "If paying down your balance each month is keeping you up, our Low Rate Visa Credit Card can help you keep costs down.",
      "purchase_rate_pct": 13.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Perce…",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
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      "cash_advance_fee_pct": 3.5,
      "cash_advance_fee": 3.5,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
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        "fee_pct": 3.0,
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        "revert_to": "cash_advance",
        "for_new_cards": null,
        "for_existing_customers": null,
        "ongoing_rate_pct": 21.99,
        "offers": [
          {
            "rate_pct": 0.0,
            "months": 24,
            "fee_pct": 3.0,
            "for_new_cards": null,
            "for_existing_customers": null,
            "text": "0% p.a. for 24 months on balance transfers from approval. 3% balance transfer fee applies. Reverts to the cash advance rate."
          }
        ]
      },
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [],
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        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
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      "ranked": true,
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    {
      "product_id": "78126e21-102c-ee11-9966-002248e1dc43",
      "product_name": "BOQ Platinum Visa Credit Card",
      "product_label": "Platinum Visa Credit Card",
      "product_slug": "platinum-visa-credit-card",
      "page": "/au/finance/credit-cards/cards/bank-of-queensland-limited/platinum-visa-credit-card/",
      "product_url": "https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card",
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      "eligibility_url": "https://www.boq.com.au/personal/credit-cards/platinum-rewards-credit-card",
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      "segment": "personal",
      "description": "Everything you need, with all of the platinum credit card benefits – earn Q Reward® points for every dollar spent on eligible transactions, purchase protection insurance, international and domestic travel insurance, and more.",
      "purchase_rate_pct": 21.99,
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      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Except to the extent that an interest free period applies, you must pay interest on everything charged to your account. Interest is charged monthly at the end of each statement period. We calculate interest for each balance type at its applicable APR for each statement period. The APR (Annual Perce…",
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            "for_new_cards": null,
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            "text": "Earn 100,000 Q Rewards Bonus Points & 0% p.a. on Balance Transfers for 12 months. When you spend $4,500 on eligible purchases within 90 days from approval. Annual fee of $75 for the first year, and $149 after that. With a 3% Balance Transfer Fee. Reverts to Cash Advance rate thereafter."
          }
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      "bonus_offer": "100000 Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on eligible purchases within 90 days from approval",
      "cashback_offer": null,
      "insurances": [
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        "Extended Warranty Insurance",
        "Purchase Protection Insurance"
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        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
        "annual fee for each additional cardholder, except on Platinum",
        "3.3% international transaction fee",
        "permanent Australian resident and Australian tax resident",
        "3 points per $1 at major supermarkets, 2 at major restaurants, 1 elsewhere"
      ],
      "eligibility": [
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      ],
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      "bonus_offer": "50000 Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on eligible purchases within 90 days from approval.",
      "cashback_offer": null,
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      "conditions": [
        "0.00% on balance transfers for 6 months, 1% transfer fee, then 21.99% (the cash advance rate)",
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        "minimum income $25,000 a year",
        "Have a good credit rating",
        "cash advance outside Australia 1.5% (min $4, max $30) on top of the international fee",
        "$2 a month paper statement fee",
        "annual fee for each additional cardholder, except on Platinum",
        "3.3% international transaction fee",
        "permanent Australian resident and Australian tax resident",
        "1 Q Rewards point per $1, uncapped"
      ],
      "ranked": true,
      "unranked_reason": null,
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      "record_stale": false,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/a0f3781e-102c-ee11-9966-002248e1d7d5",
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