Credit and debit card FAQs

What if my card is lost or stolen

If your card is no longer in your possession, please contact our 24/7 Client Service Centre immediately on 1300 160 160 (+612 9293 2121 from outside Australia).


Who do I contact about my credit card insurance policy

BOQ Specialist card insurances are underwritten by Chubb Insurance Australia Limited. BOQ Specialist has entered into master policies for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances - Insurance Terms and Conditions. Make sure you pay special attention to the benefits, eligibility and exclusions. It is particularly important to do this before travelling or purchasing goods as your cover may not be sufficient for your personal circumstances.


CHUBB insurance is available on 1300 170 180, or via email at


Fees and charges

Annual percentage rate: the annual percentage rate which will apply to the unpaid daily balance on your card account is 20.50%, subject to any interest free period and any special promotions, if applicable.

Interest free period: there is an interest free period on your card account of up to 55 days on purchases and other debits, other than cash advances and balance transfers.

Minimum payment due: you must pay the minimum payment due shown on each monthly credit card statement on or before the due date, giving due consideration to processing times for each payment method. However, if that day is not a business day, it is due on the next business day. The minimum amount owing is calculated as the greater of $20 or 2% of the closing balance (rounded to the nearest two decimal points). If the closing balance is less than $20, then the minimum payment due is equal to the closing balance. In addition, you must pay any amount in excess of the credit limit and any amount shown on the monthly credit card statement as overdue. These amounts are due and payable immediately.


A full list of credit card fees can be viewed here 




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BOQ Specialist - a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence no. 244616 (BOQ Specialist). Use of the information contained on this page is governed by Australian law and is subject to the Terms and Conditions which can be read by clicking here. View the BOQ Specialist Privacy Policy by clicking here.

The information contained in this webpage is general in nature and has been provided in good faith, without taking into account your personal circumstances. While all reasonable care has been taken to ensure that the information is accurate and opinions fair and reasonable, no warranties in this regard are provided. We recommend that you obtain independent financial and tax advice before making any decisions.