^Comparison rates calculated on the basis of a secured loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Comparison rate for variable Interest Only loans are based on an initial payday loans Goodlettsville 5 year Interest Only period. Comparison rates for fixed interest only loans are based on an initial Interest Only period equal in length to the fixed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Citigroup’s standard credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges before making any decision about whether to acquire or continue to hold the product. You can obtain a copy of those documents from any Bank of Queensland branch or by contacting us. For Target Market Determinations please refer here.

Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. The words “we”, “us” or “our” will generally read as a reference to Citigroup, but if the context requires these words to refer BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.

BOQ’s standard credit assessment criteria apply

Conditions, Criteria and Fees Apply. You should obtain and consider the relevant Product Disclosure Statement (PDS), terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available online or at any Bank of Queensland branch.

BOQ does not and will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards

+ $1 Lenders Mortgage Insurance (LMI) offer is only available on home loan applications received between (inclusive), which settle by . LMI is not waived and the borrowers are required to pay $1 of the LMI premium amount. LMI is issued to BOQ by Genworth Financial Mortgage Insurance Pty Limited (Genworth) and is not insurance taken out by the borrowers. Genworth reserves the right to accept and approve LMI proposals in its absolute and sole discretion. Approved borrowers must comply with relevant LMI terms and conditions throughout the term of their loan. Offer only available for new home loan lending to eligible First Home Owners (excludes companies, trusts and self-managed superannuation funds and excludes construction loans) for the purchase of a new or existing property for owner occupied or investment purposes. Must be first home purchase for all borrowers. Offer is not available for multiple loan applications with multiple security and/or refinance or restructure of existing home loans with other financiers or other BOQ Group loans (BOQ Group includes BOQ, BOQ Specialist, ME Bank and Virgin Money (Australia). Loan must be secured by single property only. Loan to value ratio (LVR) must be between % and 85%. The borrowers’ total debt limits as at the date of the loan application must be less than six times their gross income (i.e. the debt to income ratio must be less than 6). Offer available on the Intro Rate Variable Home Loan, Clear Path Variable Home Loan, Fixed Rate Home Loan with Principal and Interest repayments (excludes Interest Only loans). Maximum loan amount is $1,000,. Offer interest rates apply. Interest rates quoted are indicative only and are subject to change without notice. This offer cannot be taken with any other offer and can be amended and/or removed at any time at the discretion of BOQ without notice. Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (AFSL and Australian Credit Licence Number 244616) (BOQ).

Credit provided by Bank of Queensland Limited ABN 32 009 656 740 (Australian Credit Licence Number 244616) (BOQ). Fees and charges payable. Full terms and conditions are available at any BOQ branch. Interest rates quoted are indicative only, and are subject to change without notice.