BankVic Qantas Visa Credit Card

Earn Qantas Points as you spend and save with complimentary overseas travel insurance with the BankVic Qantas Visa.

This Qantas Frequent Flyer credit card is available exclusively to members of The Police Association of Victoria (TPAV). You’ll receive complimentary Qantas Frequent Flyer membership if you don’t have an account and can earn 0.5 Qantas Points per $1 spent, uncapped.

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Product NameBankVic Qantas Visa Credit Card
Rewards programQantas Frequent Flyer
Balance transfer rate6.99% p.a. for 6 months
Balance transfer revert ratePurchase Rate (16.95% p.a.)
Balance transfer limit95% of available limit
Purchase rate6.99% p.a. for 6 months, reverts to 16.95% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate16.95% p.a.
Min credit limit$5,000
Card typeVisa
Foreign currency conversion fee2%
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee for life
  • 6.99% interest rate for 6 months on purchases and balance transfers
  • Complimentary overseas travel insurance


  • The introductory rate offer on purchases and balance transfers is still higher than the 0% interest rate offered by most cards.
  • A transaction fee of 2% is charged for online or overseas purchases made in a foreign currency using this card.
Rewards programQantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent0.5
Annual fee$0
Minimum monthly repayment2.5% of the closing balance or $20, whichever is greater
Late payment fee$9
Foreign currency conversion fee2%
Cash advance fee$4
Overseas cash advance fee$1.80
Number of additional cardholders1

How to apply

You can apply for the BankVic Qantas Visa credit card online. Check if you meet the eligibility criteria and that you have the necessary details to complete the application.

Eligibility criteria

  • TPAV member. You're only eligible to apply for the BankVic Qantas Visa if you're a retired or current member of TPAV.
  • Age. You have to be at least 18 years old to get a credit card in Australia.

Card benefits

  • Low rate on balance transfers and purchases. Take advantage of an introductory interest rate of 6.99% p.a. on purchases and on balance transfers when you request the transfer at the time of your application. At the end of the introductory period, the standard purchase rate will apply to any remaining balances. You should note that you won't earn Qantas Points on balance transfers.
  • No annual fee. The BankVic Qantas Visa card charges no annual fee.

Rates & fees

  • Purchase rate. Outside of any promotions, the BankVic Qantas Visa charges a standard purchase rate of 16.95% p.a.
  • Interest-free days. You can get up to 55 days interest-free on purchases. To take advantage of the interest-free period, you need to pay your account balance in full by the due date listed on your current statement and on your previous statement.

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The BankVic Qantas Visa credit card is suited to TPAV members who want to reward their spending with Qantas Points. Although it doesn’t offer the most competitive earn rate, it is one of the few Qantas Frequent Flyer cards that charges $0 annual fee.

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