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CareerStarter Banking Package

We can help you get your career off to a good start.

We know it's taken a lot of hard work to get to this point, so we're here to make the next steps in your career a little easier.

If you have recently graduated from a medical, dental or veterinary degree, we have created the CareerStarter Banking Package to assist you when you need it most, in the early stages of your career. Whether you need help with relocation costs, everyday living expenses, buying a new car or even saving for your first home.


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Our CareerStarter Banking Package:

  • An account for everyday banking with an optional overdraft limit of up to $15 0001 and no repayments required until 1 July the year after you graduate
  • No establishment fee on the optional overdraft facility (save $445)
  • No monthly, annual or ongoing account keeping fees
  • Competitive interest rate on your savings balance
  • Visa debit card with Apple Pay2 and Google Pay3 so you can enjoy an easy, fast and secure way to pay with the devices you use everyday
  • Easy access to your account via online banking and our mobile app
  • A dedicated financial specialist and access to our Client Service Centre - available 24 hours a day, 7 days a week


  • A Platinum credit card with a minimum limit of $6 0001
  • No annual credit card fee for the first five years (save $150 p.a)
  • Earn airline reward points4 on your everyday purchases
  • Enjoy an extensive range of additional card benefits, including travel insurance5, concert ticket pre-sales and concierge services provided by Visa6
  • Use your credit card with Apple Pay2 and Google Pay3 so you can enjoy an easy, fast and secure way to pay with the devices you use everyday
  • Car loan1 available for new and used vehicles, dealer and private sale
  • No loan documentation fee (save $495)
  • Competitive interest rates
  • Flexible terms up to five years
  • Deferred repayments for up to three months from purchase date


Apply now

  • Important Information

      The issuer and credit provider of these products and services is BOQ Specialist. Terms and conditions, fees and charges and lending and eligibility criteria apply. You should obtain and consider the product terms and conditions before making any decision about whether to acquire the products. We reserve the right to cease offering these products at any time without notice.

      For target market determinations please click here.

      Any information is of a general nature only. We have not taken into account your objectives, financial situation, or needs when preparing it. Before acting on this information you should consider if it is appropriate for your situation. BOQ Specialist is not offering financial, tax or legal advice. You should obtain independent financial, tax and legal advice as appropriate.

      For special terms and conditions click here. Offer valid from 1 September 2023 to 31 March 2024.

      1. Subject to credit approval. Other fees and charges may apply. Applications to be approved and finance settled by 31 March 2023.

      2. Apple Pay - Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Apply Pay Terms and Conditions are available at here

      3. Google Pay - Android, Google Pay, and the Google Logo are trademarks of Google LLC. Google Pay Terms and Conditions are available here

      4. Reward points are earned in accordance with the rewards program terms and conditions. For full credit card terms and conditions click here.

      5. BOQ Specialist card insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb). BOQ Specialist has entered into a Group Policy for the benefit of cardholders. Terms, conditions, exclusions, limits and eligibility criteria apply to insurances. Before making a decision, consider the full terms and conditions for each complimentary insurance policy you are eligible for at http://www.boqspecialist.com.au. BOQ Specialist does not guarantee this insurance. Chubb and BOQ Specialist only provide general advice and do not consider your objectives, financial situation or needs.

      6. The Visa Concierge is provided by a third party supplier. For details of this service refer to visapremium.com.au.