--- title: "Platinum Visa Credit Card — Bank Australia" description: "Credit & Charge Cards from Bank Australia. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bank-australia/products/f23e4849-212b-4a22-beb1-a088654d73e5 source: "CDR Compare" language: en-AU last_updated: 2026-04-10T05:29:20.096Z --- # Platinum Visa Credit Card — Bank Australia > Credit & Charge Cards from Bank Australia. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** 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:** 20.24% - **Annual fee:** $189.00 ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Cash advance (Minimum 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. ) | 20.24% | — | — | | Purchase (Minimum 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. ) | 20.24% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Cash Advance Fee - Overseas — Applies to any cash advance made outside Australia on the Platinum Rewards Visa, $5 plus the International Transaction Fee (ITF) | Cash advance | $5.00 | | Cash Advance Fee - Domestic — A fee charged to any cash advance within Australia through all channels on the Platinum Rewards Visa Credit Card | Cash advance | $5.00 | | 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 than Australian Dollars or where the merchant or financial institution accepting the transaction is outside of Australia or where there is a currency conversion. | Transaction | 3% of transaction | | Platinum Rewards Credit Card Annual Fee — Charged yearly · An annual fee charged on your credit card. · Discount −$189.00 — 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 the loan holder. (eligibility: Other: 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 the loan holder.) | Ongoing | $189.00 | | 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. | Replacement | USD 175.00 | | Additional Cardholder Fee — Charged yearly · A fee payable if you request that we allow someone else to have a card on your account. Paid annually. | Ongoing | $0.00 | ## Features - **Additional cards** — up to 1 (For greater convenience and flexibility you can share you Bank Australia credit card with 1 additional card holder provided they are at least 18 years old. The card will be in their name but you will remain responsible for the account.) - **Card access** — Visa Credit Card (Use instore, online and withdraw local currency at millions of locations, everywhere Visa is accepted. Cards are enabled to support diverse needs with raised bumps on the left hand-side on the front face of the card.) - **Discounts on other products** — Complimentary Overseas Travel Insurance (Overseas travel insurance is provided free of charge for up to 90 days subject to full terms and conditions.) - **Digital banking** (You can self-serve your day-to-day banking needs via Bank Australia's App or Internet Banking.) - **Digital wallet** — Google, Samsung and Apple Pay available (Leave your wallet behind and pay for the things you need with Google Pay/ Samsung Pay/ Apple Pay.) - **Interest-free period** — 55 days (Up to 55 days interest free days for purchases) - **Loyalty program** — Qantas Frequent Flyer (Earn Qantas Frequent Flyer points on your everyday purchases. Limits, terms and conditions apply.) - **Notifications** — Card and Account Notifications (Notifications can be enabled in the App or through Internet Banking, allowing you to be alerted either by email, sms or through the App about your card/account activity.) - **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 switch them on or off from your App or Internet Banking.** ## Eligibility - **Minimum age** — 18 years (18+ years) - **Individuals only** - **Each application for credit is subject to our normal lending criteria and approval.** - **Residency status** — AU (Available to citizens or permanent resident of Australia and valid Visa holders.) ## Constraints - **Minimum limit** — $1,000.00 (Minimum Credit Limit of $1000 is required) ## Bundles - **Offset Loan** — Offset Loan (Offset loans include an annual fee waiver for the Platinum Rewards Credit Card and everyday banking.) ## More information from Bank Australia - [Overview](https://www.bankaust.com.au/banking/credit-cards/platinum-rewards-credit-card) - [Terms & conditions](https://www.bankaust.com.au/support/disclosures) - [Fees & pricing](https://www.bankaust.com.au/support/disclosures) - [Bundle information](https://www.bankaust.com.au/banking/home-loans/offset-home-loan) ## Data provenance - Published by Bank Australia under the Consumer Data Right - Product ID: `f23e4849-212b-4a22-beb1-a088654d73e5` - Last updated by the provider: 10 April 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-australia/f23e4849-212b-4a22-beb1-a088654d73e5 - Provider page: https://www.cdrcompare.au/brands/bank-australia - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000150 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-australia/products/f23e4849-212b-4a22-beb1-a088654d73e5) — product data published by Australian data holders under the Consumer Data Right. 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