All the things you expect from a premium credit card including Qantas Points on eligible purchases.
Our Platinum Visa Credit Card offers all the things you’d expect from a premium credit card, PLUS earn 30,000 bonus Qantas Points5
Offer applies to a new Platinum Visa Credit Card when you spend $5,000 on eligible purchases2 within 90 days and keep your card open for at least 90 days.
| Interest rate | |
| Interest rate on purchases | 19.99% p.a. |
| Cash advance rate | 21.99% p.a. |
| Features | |
| Minimum credit limit | $6,000 |
| Maximum credit limit | $75,000 |
| Interest free period | Up to 50 days on purchases1 |
| Repayment frequency | Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20 |
| Balance transfer available | No |
| Reward points | Yes2 |
| Annual fee | $2993 |
| Cash advance fee | $4 |
| Foreign currency conversion rate | 3.00% of transaction value in $AUD |
As a cardholder, earn Qantas Points whenever you use your Unity Bank Platinum Visa Credit Card to pay for eligible purchases2. For eligible purchases2 on your credit card you will earn:
You will also receive 10,000 bonus Qantas Points per annum in addition to Qantas Points on eligible purchases4
Furthermore, new cardholders will receive 30,000 bonus Qantas Points5 when $5,000 is spent on eligible purchases within 90 days from approval and the card is also kept open for at least 90 days.
Get rewarded with Qantas Points:
Qantas Points will be credited to your Qantas Frequent Flyer account within 6-8 weeks of eligible purchases.
Not already a Qantas Frequent Flyer member? Unity Bank Platinum Visa cardholders are eligible for no joining fee (saving you $99.50). Join today at www.qantas.com/joinffgcmutualbank
Visa concierge is an exclusive service designed to assist platinum cardholders. It’s like having your own personal assistant available 24 hours, seven days a week in Australia and overseas.
Access to a range of services including:
For information on concierge services, visit Visa Concierge.
For more related frequently asked questions, visit our FAQs page.
2 You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee usually applies, however, Unity Bank has arranged for this to be waived for new customers who join via www.qantas.com/joinffgcmutual. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer Terms and Conditions available at www.qantas.com/terms. Qantas Points are earned on eligible transactions, in accordance with and subject to Unity Bank Platinum Visa Credit Card - Qantas Points - Terms and Conditions available at www.gcmutual.bank/terms-and-conditions/. Account holders must provide their Qantas Frequent Flyer membership number to earn Qantas Points. Qantas Points will ordinarily be credited within 6-8 weeks of meeting spend criteria.
3 Annual fee will be charged when the card account is opened and then on the anniversary date each year after.
4 Applied annually in November to active account holders who have provided their Qantas Frequent Flyer membership number to earn Qantas Points.
5 Offer commences 3 June 2024. To be eligible for the 30,000 bonus points offer, you must apply for a new Unity Bank Platinum Visa Credit Card, before the offer is withdrawn, be approved, and spend $5,000 on eligible purchases within 90 days of opening your account. Cards closed within the first 90 days are not eligible for this offer. Unity Bank may vary or end this offer at any time. Existing Unity Bank members who currently hold any Unity Bank Visa Credit Card, or who have held one in the last 24 months, are not eligible for this offer.
6 Selected Qantas products and services are Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products, Qantas Freight and Qantas Staff Travel.
7 Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.
8 Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy and eligible paid and confirmed Qantas domestic and international flights, with a Qantas (QF) flight number on your ticket and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are not available from all fare types. See tables for details. Classic Upgrade Rewards are subject to capacity controls and availability (which is limited). For more information, visit Classic Upgrade Rewards or see the Terms and Conditions.
9 Qantas Hotels: Members will not be able to redeem points for, or earn points on, additional charges paid to the accommodation provider for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Cancellation and refund policies and conditions differ for each hotel, check at the time of booking. View full Terms and Conditions. Points Plus Pay: Points Plus Pay allows you to choose the number of Qantas Points you redeem above the specified minimum level of 5,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. The ability to use Points Plus Pay is subject to meeting the minimum points requirement of 5,000 Qantas Points. Classic Hotel Rewards: Minimum night stays and blackout dates may apply. Classic Hotel Reward must be booked using Qantas Points only.
10 Qantas Marketplace Terms and Conditions, voucher Terms and Conditions and any other terms and conditions disclosed at the time of redemption. Visit Qantas Marketplace. The range of Rewards and Qantas Points required change from time to time and are available while stocks last. Products shown are available in the Australian Qantas Marketplace for delivery within Australia only. Delivery charges apply.
Eligibility criteria, terms and conditions, fees and charges apply. All information including interest rate is subject to change.
