Bank AustraliaPlatinum Visa Credit Card
Be rewarded for your spending with Qantas Points. Great for those who pay their card in full each month and are a Qantas Frequent Flyer member.
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 20.99%
- Interest-free days
- 55
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
- Rewards
- Qantas Frequent Flyer
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 20.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 47th lowest of 51, level with 2 others |
| No annual feeOngoing purchase rate | 20.99% | 10.99%American Express' Low Rate Credit Card from American Express® | 14.84%of 10 institutions | 8th lowest of 10 |
| Rewards cardOngoing purchase rate on a card that earns points | 20.99% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 12th lowest of 25, level with 4 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Bank Australia publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceMinimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | - | - | - | 20.99% | - | - |
| PurchaseMinimum monthly repayments of 2.5% or $20, whichever is greater. If the closing balance is less than $20, you must pay the full closing balance. | - | - | - | 20.99% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Cash advance | 20.24% | 20.99% | up 0.75 |
| 2 Nov 2026 | Purchase | 20.24% | 20.99% | up 0.75 |
Each change is logged the night it appears in the rates Bank Australia publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
While you hold it2
- Additional Cardholder Fee
A fee payable if you request that we allow someone else to have a card on your account. Paid annually.
No fee - Platinum Rewards Credit Card Annual Fee
An annual fee charged on your credit card. This fee is waived for holders of an Offset or Clean Energy Home Loan. Each Offset or Clean Energy Loan is entitled to a wavier for the future Annual Fee for one eligible card account in the name of…
$189 a year
When you make a transaction3
- Cash Advance Fee - Domestic
A fee charged to any cash advance within Australia through all channels on the Platinum Rewards Visa Credit Card
$5 - Cash Advance Fee - Overseas
Applies to any cash advance made outside Australia on the Platinum Rewards Visa, $5 plus the International Transaction Fee (ITF)
$5 - International transaction fee (ITF)
When you undertake an International transaction on a Bank Australia Visa Debit Card you will be charged the fee. An International transaction is any purchase, withdrawal or credit in a currency other…
3.00% of transaction
When particular things happen1
- Visa emergency card/cash overseas fee
A fee charged when you need an emergency replacement card or cash delivered to you on an urgent basis to an address overseas.
$175
Features
- Card Controls: Decide the features you want enabled on your card including card lock, digital wallet, pay wave, international transactions, ATM withdrawals or online/instore transactions and simply s…
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to individuals
- Amount from $1,000, no maximum
- Each application for credit is subject to our normal lending criteria and approval.
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Published by Bank Australia under the Consumer Data Right, last changed by them on 1 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.