BankVic Qantas Visa Credit Card
4.8
Highlights
- 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
- $0 annual fee.
- Comes with complimentary Qantas Frequent Flyer membership.
- Includes complimentary overseas travel insurance.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
N/A
Samsung Pay Enabled
No
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$5,000.00
Maximum Credit Limit
$30,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
8.99%
Balance Transfer Period
6 months
Balance Transfer Fee Percentage
0%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
18.95%
Rates, fees, charges
Cash advances
Cash Advance Rate
18.95% p.a.
Cash Advance Fee
$0.00
Cash Advance Fee Percentage
0%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
8.99%
Purchase Rate Introductory Period
6 months
Purchase Rate Ongoing
18.95% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
2%
Late Payment Fee
$9.00
Rewards
Rewards program basics
Rewards Program
Qantas Frequent Flyer
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
0.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.50
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
Yes
Our review
Convenience
Customer service
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The basics
- Additional cardholders. You can add one additional cardholder for free with this card. As the account holder, you will manage the account and make repayments.
- Digital wallets. Works with Apple Pay and Google Pay.
- Gambling transactions. BankVic does not permit gambling transactions.
Rewards and benefits
- Complimentary travel insurance. The BankVic Qantas Visa Credit Card comes with complimentary international travel insurance. Coverage is activated when the card is used to purchase eligible travel costs related to your trip prior to departure. Eligibility criteria apply.
- Concierge services. The BankVic Qantas Visa Credit Card does not include access to a concierge service.
- Insurances. Cardholders get fraud protection and international travel insurance.
- Rewards points. With the BankVic Qantas Visa Credit Card, cardholders can earn uncapped Qantas Points at 1 Qantas Point per $2 spent on eligible purchases and 1 Qantas Point per $1 spent on Qantas flights. Balance transfers and cash advances are not eligible transactions for earning points.
- Sign-up bonus. There is no sign-up bonus for Qantas Points.
Rates and fees
- Annual fee. There is no annual fee for this card.
- Balance transfers. The BankVic Qantas Visa Credit Card offers a 6-month balance transfer with no transfer fee and an 8.99% p.a. introductory rate reverting to 18.95% p.a. after the promotional period ends, with a maximum balance transfer of 95%.
- Cash advances. If you get a cash advance using your BankVic Qantas Visa Credit Card, interest will be charged at 16.95% p.a. and will begin to accrue immediately. BankVic will charge a one-off fee on any cash advances made with this card.
- Foreign exchange fee. All purchases made in a foreign currency, either online or overseas, will incur a 2% foreign transaction fee.
- Interest-free period. This card allows up to 55 days interest-free on purchases, excluding cash advances, when you have made the minimum required payments or paid off your balance in full by the due date.
- Purchases. The introductory purchase rate on the BankVic Qantas Visa Credit Card is 8.99% for the first 6 months, reverting to the ongoing purchase interest rate of 18.95% p.a.
Reviewed by Credit Card Compare Staff
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