This guide is perfect for those seeking rewards on every purchase and who maintain a moderate credit usage, paying their bills regularly to avoid interest. If this sounds like you, then how to apply for a Blue Visa Card and the basic requirements!
The entire application process can be completed online in under 20 minutes, making it quick and easy.
What you need to be pre-approved:
- Be at least 18 years old
- Have a good credit rating
- Earn a taxable income of $25,000 per year or more
- Be a permanent resident or Australian citizen
Documents and information that help with the credit assessment:
- Income and expenses: How much do you earn and where does it go?
- Identification: You’ll need your driver’s license number for verification or another valid document like a passport.
- Employment details: This information helps to supplement the credit assessment
- If you’re requesting a balance transfer: Share the account details. But remember, transfers cannot exceed 80% of your credit limit.
How to apply for a Blue Visa card: Step by step
- Contact details: Provide your full name and how the bank can notify you about your application status and other relevant information. So, provide your best email and phone number.
- Existing customer: Indicate whether you’re already a Bank of Queensland customer or not. If you are, you might be able to combine the credit card with other financial products. For example, if you have an existing loan, you may be eligible for an annual fee waiver.
- Finances: Provide information about your employment, regular income, and any additional income if applicable.
- Submit your application: Finally, confirm your selection of the Blue Visa credit card and submit your application for review.
How long will the bank take to process the application?
After submitting your online application, the bank requests that customers allow up to 2 business days for a decision.
As long as your documentation and proof of income are in order, they will send you a notification via email or mobile to inform you about the status of your new credit card.
What is the credit limit?
Initially, it can start from $2,000 up to $50,000. The maximum amount depends primarily on your credit history and repayment capacity, which is calculated based on your credit history and income.
You will know your approved limit immediately after approval. It’s also easy to request a credit limit increase: as long as you maintain responsible use, after a certain period, you can request a higher limit by contacting customer service on 1300 55 72 72.
How to activate the Blue Visa after receiving it:
- Log in to the myBOQ app.
- Tap on the icon in the bottom menu.
- Tap on “Manage cards” in the menu.
- Select the account for which you want to activate the card.
- Tap on “Activate card”.
- Enter your desired PIN by typing it twice.
- Enter the unique code we sent to confirm the change.
Useful contacts
If you have any difficulties unlocking your card or need support with your application, contact our available support:
- General contact center: 1300 55 72 72
- App support: 1300 737 766
- Overseas travel notification: 1300 995 710
You will be redirected to the bank’s website.