At a glance

EARN
Q Rewards® Credit Card Points 15
REDEEM
Credit card points for flights, gift cards and merchandise
TRAVEL
Complimentary Comprehensive Travel Insurance#
1,000
Bonus Q Rewards® points every month when you spend $1,000 per month on Eligible Transactions for the first 12 months***

Why choose our Platinum Visa Credit Card?

Enjoy 2 Q Rewards® credit card points for every dollar you spend on Eligible Transactions15, plus get access to complimentary international travel insurance, extended warranties and a range of premium experiences for Platinum card holders#. You deserve it!

 

 

$0 annual fee your first year

Plus no annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases*

0% p.a. for 12 months balance transfer offer

For the first 12 months, reverting to the cash advance rate thereafter. No interest free days apply to retail purchases while you have a balance transfer**    

1,000 bonus Q Rewards® points every month

When you spend $1,000 on Eligible Transactions every month for the first 12 months***

Q Rewards® credit card points

Earn 2 Q Rewards®  credit card points for every $1 spent on Eligible Transactions15

Up to 55 days interest free

for your purchases^

Interest Free Days are not available if you have a Balance Transfer.

Comprehensive travel insurance

Complimentary comprehensive travel insurance for you and your family – covering everything from medical expenses to lost luggage#

Other perks

 

  • Up to $500 refund if you purchase an eligible item that goes on sale after you buy it#
  • Extended warranty insurance for up to 1 year#
  • Your personal 24 hour concierge service - we'll help you shop, find the perfect gift or book your next holiday
  • Priority 24/7 customer service for your card enquiries
  • $1,000 daily cash advance limit through ATMs
  • Add up to 4 Additional Cardholders with no annual fee

We’ve got you covered#

Travel Insurance
  • Complimentary International Travel Insurance - Purchase your overseas travel tickets with your Platinum Visa Credit Card and you and your family may be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
  • Interstate Flight Inconvenience Insurance - Purchase your travel tickets with your Platinum Visa Credit Card and you may be covered for events like flight delays, cancellations, baggage delays and personal item damage for domestic travel within Australia.
  • Transit Accident Insurance - Purchase your overseas travel tickets with your Platinum Visa Credit Card and you and your family may be covered if you were to sustain a fatal injury as a passenger whilst travelling.
Purchasing and Pricing
  • Complimentary Purchase Cover Insurance - If items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum Visa Credit Card, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days of the incident.
  • Extended Warranty Insurance - Up to 12 months when you purchase items with your Platinum Visa Card
  • Guaranteed Pricing Scheme - Guaranteed Pricing Scheme enables you to receive a refund of the price difference when you purchase in-store and then see the same product advertised at a lower price in a catalogue from a store within 25 kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online.

 

For more information on complimentary credit card insurance, please read the Description of Complimentary Credit Card Insurance Cover.

Interest rates and fees

Platinum Visa Credit Card Interest Rates and Fees

Annual percentage rate
(% p.a.) - Purchases
Annual percentage rate
(% p.a.) - Cash
Interest-free days on purchases^ Annual fee
20.74 21.74

Up to 55 days (unless you have a balance transfer)

$0 for the first year

Plus $0 annual fee ongoing if you spend a minimum of $12,000 per year on retail purchases*

Usual annual fee: $129 

A ful llist of fees and charges are provided in our Credit Card Fees and Charges Guide below.

Apply for a Platinum Visa Credit Card

To apply for the Platinum Credit Card, you must:
  • Be at least 18 years of age
  • Have a good credit rating
  • Earn a taxable income of $35,000 per year or more
  • Be a permanent Australian resident or citizen
What you'll need for your application
  • Your income and expense details
  • Your driver's license number
  • Your employment details
  • Your balance transfer account details (if applicable). Your total balance transfers may not exceed 80% of your credit limit.
Applying online will take around 10 minutes

Apply online now

Important information

For important information on the Platinum Rewards Credit Card, view our Terms and Conditions. 

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Earn Q Rewards® points with a Blue Visa Credit Card

Blue Visa Credit Card

Earn Q Rewards® points and redeem them for range of merchandise, gift cards or even your next holiday19

  • $120 cash back if you spend $500 per month on retail purchases for the first 3 months (that’s Netflix for a year!)22
  • 0% p.a. on balance transfers for 6 months, reverting to the cash advance rate thereafter16 No interest free days apply to retail purchases while you have a balance transfer
  • Earn 1 Q Rewards® point for every dollar spent on Eligible Transactions19