Platinum Visa Credit Card

Enjoy the benefits of our most rewarding credit card with Complimentary Insurances1 and our highest Q Rewards® Points earn rate.4{sub-heading}

Apply Now

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Up to 44 days interest free

Interest free period on retail purchases2

$1 = 2 Points

Earn 2 Q Rewards® Points per $1 spent on eligible purchases, uncapped4

From 1 October 2026, the points earn rate is changing to 3 Points per $1 at major supermarkets, 2 Points per $1 at participating restaurants and 1 Point per $1 on other eligible purchases.22

Complimentary Insurances

Purchase Protection and Extended Warranty Insurance1

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Credit card features{yellow-border}

We don’t just stop at credit card reward points. The Platinum Visa Credit Card comes with so much more.{sub-heading}

Complimentary Purchase Protection and Extended Warranty Insurance

Including access to complimentary Purchase Protection Insurance and Extended Warranty Insurance (eligibility criteria, terms, conditions, limits and exclusions apply).1

Instalment Plans

Make your repayments in monthly instalments at a fixed rate over a set term.

Learn more about Instalment Plans

44 days interest free

Get up to 44 interest free days on new purchases.2

Ready to apply for your Platinum Visa Credit Card?{yellow-border}

To be eligible to apply, you must:

  • Be 18 years or older
  • Be a Permanent Australian resident and an Australian resident for tax purposes
  • Have a valid Australian mobile number and email address
  • Receive a regular income (you may be asked to provide payslips or bank statements.)
  • Have a good credit rating

What you’ll need for your application

  • Your income, debt and expense details
  • Your Driver Licence number (if you have one)
  • Your current employment status
  • Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit
  • Applying online will take around 20 minutes

Apply Now

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Frequently asked questions{yellow-border}

Didn’t find what you were looking for? Go to our help and support page to find out more {sub-heading}

Read more FAQs

What is a rewards credit card?

It’s a credit card that offers Points when you make eligible purchases4 with your card. You can use these Points to redeem for a range of Rewards.

What can I use my Q Rewards® Points for?

There are a variety of ways your can use your Q Rewards® Points, the choice is yours for what Rewards you’d like to redeem them for:

  • Cashback for a credit to your account
  • Pay with Points for a credit to your account on selected transactions
  • Giftcards from a great range of retailers
  • Convert your Q Rewards® Points to Velocity Points and use them for travel or Flybuys Points and get even more choice on how to spend them.

How does credit card interest work?

The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments.

How do I apply for a credit card?

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 10 minutes to complete if you have all your info on hand, and once approved we'll have your card out to you within 10 working days. We'll need to know your age (minimum age is 18 years), Australian residency status, your driver’s license if you have one and your current financial details, including employment and monthly expense and income details.

How is my credit limit determined?

Your credit limit is determined when we apply our credit assessment criteria to your individual financial situation.

How does the interest-free period work?

You'll enjoy interest-free days on all purchases, providing you repay the full balance on your card each month, excluding any fixed payment option balance which isn’t due for payment by that payment due date.

Interest-free periods also don't apply to cash withdrawals, and you will incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.

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Compare credit cards

If this card isn’t quite what you’re looking for, check out our other rewarding credit cards.{sub-heading}

Compare Credit Cards

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Important information

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