--- title: "Platinum Visa Credit Card — Unity Bank" description: "Credit & Charge Cards from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/unity-bank/products/S78_PLATINUM_VISA_CREDIT_CARD source: "CDR Compare" language: en-AU last_updated: 2026-07-01T11:29:43.000+10:00 --- # Platinum Visa Credit Card — Unity Bank > Credit & Charge Cards from Unity Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards · UNITY BANK** Premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world ## At a glance - **Purchase rate:** 19.99% - **Annual fee:** $299.00 ## Apply Applications are handled by the provider: [Apply at Unity Bank](https://campaign.mpowerdigitalonboarding.com.au/newapplication?hide_back=false&lang=en&utm_source=UB&utm_medium=gncfmCpLP9Ze&utm_campaign=website&utm_term=PVCC) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Balance transfer (Calculated daily, charged monthly.) | 0% | — | — | | Purchase (Calculated daily, charged monthly.) | 19.99% | — | — | | Cash advance (Calculated daily, charged monthly.) | 21.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | EMERGENCY_CASH/CARD_VISA_CREDIT — Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) | Cash advance | $0.00 | | ANNUAL_CREDIT_CARD_FEE_-_PLATINUM — Charged yearly · An annual fee charged for Platinum Visa Credit Card product | Ongoing | $299.00 | | CREDIT_CARD_STATEMENT_FEE_-_GCMB — Charged monthly · A fee charged to cover the cost of producing and sending paper statements | Ongoing | $2.00 | | LATE_PAYMENT_FEE — A fee charged when you don't make your minimum monthly payment, plus any overdue amount | Event | $15.00 | | OUTWARD_RTGS_PAYMENT_FEE — A Processing fee charged when you require funds to be sent straight away | Withdrawal | $30.00 | | INWARD_RTGS_AND_SWIFT_PAYMENT_FEE — A processing fee charged when you receive funds through this channel | Deposit | $10.00 | | EFTPOS_DECLINE_FEE — A fee charged if you don't have enough money in your account for an EFTPOS transaction | Transaction | $1.00 | | ATM_INSUFFICIENT_FUNDS — A fee charged if you don't have enough money in your account for an ATM withdrawal | Transaction | $1.00 | | QUICKDEBIT_DISHONOUR_FEE — A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you | Transaction | $20.00 | | _FOREIGN_CURRENCY_CONVERSION_FEE — Foreign currency conversion fee charged on transaction value in AUD (overseas transactions) | Transaction | 3% of transaction (D) | | VISA_CASH_ADVANCE_FEE — A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee | Transaction | $4.00 | ## Features - **Card access** (Our Platinum Visa Credit Card offers all the things you'd expect from a premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world.) - **Additional cards** (No fees for additional cardholders) - **Unlimited transactions** (Unlimited electronic transactions available on your account) - **Free transactions** — 9999999999 (Unlimited free electronic transactions available on your account) - **Loyalty program** — Qantas Frequent Flyer Points (Earn 1.00 Qantas Point for every $1 spent, and also 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia (capped at 20,000 Qantas Points per month). Supplementary 10,000 bonus Qantas Points applied annually.) - **Interest-free period** — 50 days - **PayID** (Get faster payments between participating banks, anytime with a Pay ID) - **Real-time payments (NPP)** - **Bonus rewards** — Qantas Frequent Flyer Points (1 Qantas Point for every $1 spent) - **Concierge is an exclusive service designed to assist platinum cardholders. It s like having your own personal assistant available 24 hours, 7 days a week in Australia and overseas. Access to range of services including, Emergency travel arrangement provisions, Passport, visa, and customs information Translation and message assistance, Restaurant recommendations, concert tickets and tour bookings** - **Securely lock your debit card in the GCMB App while you look for it and unlock it again when you find it** - **Cards made from 82% recycled PVC** - **Find the digital version of your card via the Mobile App before your physical card arrives in the mail.** - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Fraud protection** (A range of security features and services provided, including fraud prevention technology and secure banking, to help keep your funds safe.) - **Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.** - **Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20** - **Digital banking** (With PayTo, you can see, review and authorise all new PayTo payments for transactions such as recurring bills, memberships and subscriptions before the money leaves your account.) ## Eligibility - **Minimum age** — 18 years - **Residency status** — PERMANENT RESIDENT (You must be an Australian citizen or permanent resident) - **Individuals only** ## Constraints - **Opening balance** — $6,000.00 - **Maximum limit** — $75,000.00 - **Minimum limit** — $6,000.00 ## More information from Unity Bank - [Overview](https://www.unity.bank/personal-loans/credit-card/platinum-visa-credit-card/) - [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/) - [Eligibility](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/) - [Fees & pricing](https://www.unity.bank/help/rates-fees/) ## Data provenance - Published by Unity Bank under the Consumer Data Right - Product ID: `S78_PLATINUM_VISA_CREDIT_CARD` - Last updated by the provider: 1 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/S78_PLATINUM_VISA_CREDIT_CARD - Provider page: https://www.cdrcompare.au/brands/unity-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/S78_PLATINUM_VISA_CREDIT_CARD) — product data published by Australian data holders under the Consumer Data Right. 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