This was posted 1 year 4 months 13 days ago, and might be an out-dated deal.

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BOQ Specialist Signature Card: up to 130,000 Qantas or Velocity Points ($4,000 Spend in 3 Months), $400 Annual Fee

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BOQ Specialist Signature Card: up to 130,000 Qantas or Velocity Points ($4,000 Spend in 3 Months), $400 Annual Fee
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adrianhughes1998 on 17/12/2022 - 00:09 boqspecialist.com.au (1472 clicks)
Last edited 08/02/2023 - 09:22 by 2 other users

Available exclusively to medical, dental, veterinary and accounting professionals.

100,000 points are awarded when you spend $4,000 in the first 3 months and an additional 30,000 points when you keep the card open for over 12 months.

Extra 20,000 points if you make ten purchases on the card within the first two months: https://www.boqspecialist.com.au/offers/credit-card-bonus-po…

$400 annual fee.

If you read this far, you'll keel over in shock when you realise that not only do you need to be a doctor, you need to be on $120K income a year for this card.

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closed Comments

  • randomdude14 on 17/12/2022 - 00:16

    doctors, dentists and vets - do we have many here?

    • B Wat on 17/12/2022 - 00:18

      Woof

    • haydenchan123 on 18/12/2022 - 09:17
      +2

      i can confirm that this is all we do. we sit on ozbargain because we also love a juicy deal!

  • nightelves on 17/12/2022 - 00:19

    How can they check?

    • bdl on 17/12/2022 - 00:20

      Bloody footprints from doorstep

      • nightelves on 17/12/2022 - 00:25
        +3

        Thanks I'll apply straightaway

    • Spamaydin on 17/12/2022 - 13:12

      AHPRA

  • Qbagger on 17/12/2022 - 00:37

    "The Target Market for this product is customers
    generally from the medical, dental, veterinary or
    accounting professions and their associates and
    suppliers"

    So due to the term "generally", perhaps not limited to those professions?

    Min. income $120k

    • littlesoldier on 17/12/2022 - 00:38
      +3

      Am I a "supplier" if I am a patient? :)

      • Qbagger on 17/12/2022 - 00:39

        I like it!

  • littlesoldier on 17/12/2022 - 00:37
    +1

    Another benefit worth to mention:

    The primary card holder will be entitled to 4 complimentary Priority Pass lounge visits and 4 complimentary guest visits per year (8 complimentary visits in total per calendar year). Any additional visits for yourself or guest will be charged at US$27.00.

    Tho I am not a doctors, dentists and vets so will have to pass…LOL

    • jackspratt on 17/12/2022 - 02:22
      -4

      *though

      • jackspratt on 18/12/2022 - 00:23

        Apologies - perhaps littlesoldier is not a native English speaker. 🤔

    • hawkeye93 on 17/12/2022 - 02:53

      Citi Prestige no min income, unlimited PP lounge visits (with 1 guest as well).

      • clx on 17/12/2022 - 03:24

        Standard annual fee is $700 for citi prestige

        • hawkeye93 on 17/12/2022 - 03:38
          +2

          $350 first year. Can use Payall to accumulate points easily (20000 points/month), 1 airport transfer ($100 free), unlimited PP.

          • littlesoldier on 17/12/2022 - 10:57

            @hawkeye93: The $350 first year offer only applies to the standard Citi prestige that earns members rewards points, but members rewards points cannot convert to Qantas frequent flyers points, only velocity, KrisFlyer and asiamiles

            The Qantas Citi prestige is $749 annual fee with no first year annual fee discount

            https://www1.citibank.com.au/credit-cards/citi-prestige-qant…

            So in summary, Citi prestige is great deal if you are after priority pass alone (unlimited access), but I believe the primary benefit of this card is still the 120k QF points, with the bonus of 4+4 priority pass (which is better than Citi premier, Westpac black, ANZ black where they all only give 2 PP entries per year)

  • david1215 on 17/12/2022 - 00:45

    They used to give unlimited priority pass

  • jace88 on 17/12/2022 - 00:57
    +2

    Finally being an accountant pays off.

    • Maxxjet on 17/12/2022 - 09:22

      where it says accountant is eligible?

      • Qbagger on 17/12/2022 - 10:30

        I think anyone is eligible if you earn $120k

        • Yola on 17/12/2022 - 10:40

          They may also consider that people in some occupations have more secure employment.

          • jace88 on 17/12/2022 - 13:25

            @Yola: I'd heard similar arguments before where banks lend higher LVRs for these professions.

            • Yola on 18/12/2022 - 12:22

              @jace88: Yes, I am aware of this too.

      • jace88 on 17/12/2022 - 13:24

        First sentence of the post:

        Available exclusively to medical, dental, veterinary and accounting professionals.

        Also on the website it references accountants as a profession, although I'm not sure if they're just focused on those accountants who need financing to buy into the partnership.

  • applejack on 17/12/2022 - 01:35
    +1

    So $800 in annual fees to receive the 130k points ?

    • littlesoldier on 17/12/2022 - 01:44
      +2

      its $400 to receive 100k points (after $4000 spend within 3 months)
      Using the card 10times within first 2 months get another bonus 20k points (mentioned in here: https://www.boqspecialist.com.au/offers/credit-card-bonus-po…)

      So in short, $400 = 120k points

      If you are just after the QF points
      IMO not worth to renew another year (another $400 annual fee) for the extra 30k points

      • adrianhughes1998 on 17/12/2022 - 07:28

        Unfortunately most of us are closed off on OzBargain cos of 120k income and docs requirements :(((

        • hawkeye93 on 17/12/2022 - 08:24

          To me, Citi Prestige is better than this.

  • spiff on 17/12/2022 - 01:36
    +1

    Anyone know if BOQ do pro-rata refund of annual fee upon early closure?

    • OfficerBarbrady on 17/12/2022 - 02:07
      -2

      You tell us, Doc.

    • cynicor on 17/12/2022 - 08:15

      Not usually. Had and closed their cards twice and no refund.

      • spiff on 17/12/2022 - 12:55

        Thanks! $400 seems a little steep for 100/120k points.

        • jace88 on 17/12/2022 - 13:26
          +2

          Really? I thought that's pretty good vs the recent QFF card offers from AMEX, ANZ, etc… but the earn rate is pretty weak though for that annual fee (I would've thought most are at least 0.75 QFF per $1 at this point; some are 1:1).

          • spiff on 17/12/2022 - 15:58

            @jace88: I just finished the 160k qff with ANZ ff black which had an annual fee of $425 but there was $225 annual fee rebate after meeting minimum spend, so net $200.

            Earn rate not that important for me, main thing is annual fee vs bonus points value.

            • adrianhughes1998 on 17/12/2022 - 16:29

              @spiff: Now down to 110K points and nothing thru app :(, the cold winter begins..

              • spiff on 17/12/2022 - 16:30
                +1

                @adrianhughes1998: :(( painful hey. Was so happy when my 18 month amex exclusion period was over but there's been no deals since then!

            • jace88 on 17/12/2022 - 17:36
              +1

              @spiff: I've churned a couple of ANZ cards now for the QFF promos… given my monthly spend >$10k, the AMEX offers a much better/uncapped earn rate but the problem is a lot of places still don't accept AMEX (eg my kids daycare).

              Closest thing to a deal was when AMEX recently (in Nov 2022) had card upgrades to the Qantas Ultimate available so I didn't have to cancel my DDs (same card number) and got the 60,000 bonus QFF + $200 cashback. Feels like the days of 100,000+ QFF points are few and far between.

          • spiff on 17/12/2022 - 15:59

            @jace88: Amex hasnt had a good deal for at least 6 months.

  • skinny on 17/12/2022 - 15:22

    I found this card does not count payments to water, govt charges, council rates, etc. as part of the min spend.

    • littlesoldier on 17/12/2022 - 16:05
      +3

      Using Beem or AusPost app PayBill might be able to get round this
      Otherwise you may use Sniip which will allow you to earn points, but has a 1.5% fee

      Other good way to meet the spending include buying some discounted giftcards from supermarkets or via Shopback / Cashrewards etc.

  • uwuwu on 18/12/2022 - 00:22
    +1

    Looking for a new card to churn but $400 A/F is a bit steep

    • Qbagger on 18/12/2022 - 00:26

      Slim pickings at present

  • LT86 on 09/01/2023 - 14:04

    Applied for the card
    Took more than 3 weeks to hear back from BOQ
    and was informed that I am not eligible for the bonus point since I had the card in 2020
    (Apparently not eligible if has had a card in the last four years!)

    • Qbagger on 09/01/2023 - 14:32
      +1

      That sucks. May I ask if your occupation is different to those listed?

  • wqepoi on 21/01/2023 - 10:15

    Anyone succesfully applied and not a doctor/dentist/accountant?

  • tonyhklo on 23/02/2023 - 08:24

    The 100k bonus is only available to vets and dentists:
    Available exclusively to Australian Dental Association (ADA) and Australian Veterinarian Association (AVA) members

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