The BoQ Gold Visa credit card offers cardholders access to higher spending limits as well as the opportunity to earn reward points on every single dollar spent. Not only do you get access to a world-class rewards programme, but the Gold Visa card from the Bank of Queensland comes with a whole host of extra benefits, which makes the account stand out from the rest. If you want a credit card that offers more than just easy access to cash, then this may the card for you.

Benefit of the Card’s Best Features?

The BoQ Gold Visa credit card is jam-packed full of benefits and features. All accountholders are accepted into the Q Rewards scheme that allows you to collect points on purchases which can then redeemed on anything from free flights, to gifts and entertainment. Collecting and redeeming points is easy, every time you use your credit card, you’ll receive points ($1 = 1 point), there’s no restriction or where and when you can collect points and there’s no cap on the amount of points you can accumulate.

The BoQ Gold Visa account is more than just rewards card; it also comes with a number of other features including complimentary international travel insurance that covers the accountholder and family members for everything from lost luggage to medical emergencies.

Bank of Queensland understand the importance of payment protection, which is why they offer purchase cover insurance so that you’re covered should any item you purchase get stolen, become damaged or gets lost.

Customer service is also second-to-none, with a priority 24 hour customer service line that’s exclusive to Gold members only.

Are There Any Drawbacks?

If you’re looking for a low purchase rate, then you may be disappointed. The BoQ Gold Visa credit card charges 20.74% p.a., which is fairly expensive in comparison to some other cards on the market. Do keep in mind, however, that there is a 55 day interest free period on all purchases – allowing you to pay 0% interest so long as you pay the balance in full at the end of the month.

Who Would be Suited?

This card is ideal for frequent flyers and those who spend regularly on credit cards. The reward scheme is extremely flexible, which means that you can redeem points to fly with any airline at any time – perfect if you have no particular preference of who you fly with. The annual management fee of $120 p.a. should also be taken into consideration when making your choice. The cost of the annual fee can be offset if you spend regularly on credit cards, pay your balance in full on time, and will be able to make the most of the rewards on offer.

Who is Eligible?

If you’re 18 or older, and earn $30,000 or more then you’re in luck! You must also be an Australian permanent resident of citizen and have a good credit rating.

Conclusion

With a $1,000 daily cash advance limit, the BoQ Gold Visa credit card is ideal if you need to get your hands on cash in a hurry. Not only is the spending limit generous, but the card comes with a range of top benefits. So if you want to be flying away on holiday and get other rewrds, then sign up to the BoQ Gold card now!