| Platinum Visa Credit Card | Blue Visa Credit Card | Low Rate Visa Credit Card | |
|---|---|---|---|
| Credit Card Summary | |||
| What does this card offer? | Earn 2 Q Rewards® points for every 1 dollar spent on Eligible Transactions5 , plus all the added perks of a platinum credit card. | Earn 1 Q Rewards® point for every 1 dollar spent on Eligible Transactions5 | Save more with a low interest rate on your purchases. |
| Special Offers |
$0 annual fee in your first year (saving $129 p.a.) 21
• Plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases 21 • 0% p.a. 12 months on balance transfers (reverts to cash advance rate. No interest free days apply to retail purchases while you have a balance transfer) 12 • 1,000 bonus Q Rewards® points every month when you spend $1,000 on Eligible Transactions for the first 12 months14 |
• 0% p.a. on balance transfers for the first 6 months (reverting to the cash advance rate below)16
• $120 cash back if you spend $500 per month on retail purchases for the first 3 months 22 |
• 0% p.a. on balance transfers for the first 14 months (reverting to the cash advance rate below)18 . No Interest free days apply to retail purchases while you have a balance transfer. |
| Minimum Income Requirement | $35,000 | $25,000 | $25,000 |
| Age | 18 | 18 | 18 |
| Interest Free Period## | Up to 55 days | Up to 44 days | Up to 55 days |
| Minimum Credit Limit | $6,000 | $2,000 | $2,000 |
| Rates | |||
| Standard Purchase Interest Rate | 20.74% p.a. | 20.74% p.a. | 13.49% p.a. |
| Cash Advance Rate | 21.74% p.a. | 21.74% p.a. | 21.49% p.a. |
| Fees | |||
| Annual Fee |
$0 annual fee in your first year (saving $129 p.a.)21
Plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases21 Normal annual fee: $129 |
$60 | $55 |
| Additional Card Fee | Up to 4 free | $15 | $15 |
| Q Rewards® | |||
| Q Rewards® Points5 |
Earn up to 2 Q Rewards® Points for every 1 dollar spent on Eligible Transactions5
See rewards points |
Earn 1 Q Rewards® point per for every dollar spent on Eligible Transactions5
See rewards points |
|
| Points Capping | Uncapped | Uncapped | N/A |
| Voucher, Gift Certificates & Merchandise Rewards | |||
| Cash Back Rewards | |||
| Platinum Personalised Rewards program | |||
| Personal Concierge | |||
| Take Flight++ | |||
| Insurance11 | |||
| Purchase Cover Insurance | |||
| Extended Warranty | |||
| Complimentary International Travel Insurance | |||
| Guaranteed Pricing Scheme | |||
| Transit Accident Insurance | |||
| Interstate Flight Inconvenience Insurance | |||
| Security | |||
| Pen or PIN | |||
| Fraudshield | |||
| Emergency Card Replacement within 24 hours (Australia) | |||
| Additional Features | |||
| Worldwide Visa Acceptance | |||
| Visa PayWave | |||
| 24 Hour EasyPhone and Internet Banking | |||
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