Student Banking Package

Banking package offer for medical students

We know you're working towards more than just a piece of paper.

If you are in your final two years of a medical degree, we have created the Student Banking Package to support you on your journey.  Whether you need help with course fees, overseas electives, or even a new laptop – we are here to help you every step of the way.


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The Student Banking Package offers:

  • An account for everyday banking with an optional overdraft limit of up to  $7 000 for penultimate* students and up to $10 000 for final year students , with no repayments required until 1 July the year after you graduate
  • No establishment fee on the optional overdraft facility2 (save $445)
  • No monthly, annual or ongoing account keeping fees
  • Competitive interest rate your savings balance
  • Visa debit card with Apple Pay3 and Google Pay4 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 card2 with a minimum limit of $6 000
  • No annual credit card fee for the first five years (save $150 p.a)
  • Earn airline reward points5 on your everyday purchases
  • Enjoy an extensive range of additional card benefits, including travel insurance6, concert ticket pre-sales and concierge services provided by Visa7
  • Use your credit card with Apple Pay3 and Google Pay4 so you can enjoy an easy, fast and secure way to pay with the devices you use everyday

Subject to credit approval. Other fees and charges may apply.


  • 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.

      1. The offer is available to full time medical students from the beginning of their second semester in the penultimate year of study at an Eligible Australian University.

      2. Subject to credit approval. Other fees and charges may apply. Details of our current interest rates applicable to these products are available on request.

      3. 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 here. 

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

      5. Reward points are earned in accordance with the rewards program terms and conditions. View full credit card terms and conditions here.

      6. 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 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.

      7. The Visa Concierge is provided by a third party supplier. For details of this service refer to