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Our verdict

Offers 0.5 Qantas Points per $1 and an ongoing $0 annual fee, specifically for police and ambulance workers in Victoria.

The BankVic Qantas Visa gives you a way to earn frequent flyer points on your everyday spending, without paying a credit card annual fee. This can save you hundreds of dollars compared to Qantas credit cards that charge annual fees (and most do). The earn rate of 0.5 Qantas Points per $1 is similar to some cards that charge an annual fee, but not as high as more premium Qantas cards.

As it doesn't offer lounge passes or other popular frequent flyer perks, it's more suited to people who want to earn some more Qantas Points while also saving on upfront account costs.

Pros

$0 annual fee for life
6.99% p.a. interest rate for 6 months on purchases and balance transfers
Uncapped Qantas Points per $1 spent on eligible purchases

Cons

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.

The BankVic Qantas Visa Credit Card is available exclusively to members of The Police Association of Victoria (TPAV) and Victorian Ambulance Union members. It offers 0.5 Qantas Points per $1 spent, uncapped and is one of the few frequent flyer cards to offer no annual fee ever.

If you're eligible to get this card, you can also save on interest for the first 6 months, with an introductory interest rate of 6.99% for both purchases and balance transfers. The 16.95% p.a. interest rate that applies after that is also lower than the average standard credit card rate in Australia (currently 20.16%).

Details

Product details

Product Name	BankVic Qantas Visa Credit Card
Balance transfer rate p.a.	6.99% for 6 months, then 16.95%
Balance transfer limit	95% of available limit
Purchase rate p.a.	6.99% for 6 months, then 16.95%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	16.95%
Min credit limit	$5,000
Max credit limit	$30,000
Card type	Visa

Eligibility

Available to temporary residents	No
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	N/A
Rewards points per $ spent	0.5

Fees

Annual fee	$0
Minimum monthly repayment	2.5% of the closing balance or $20, whichever is greater
Late payment fee	$9
Foreign currency conversion fee	2%
Overseas cash advance fee	$1.80
Number of additional cardholders	1

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

Police Association of Victoria or Victorian Ambulance Union membership. You're only eligible to apply for the BankVic Qantas Visa if you can provide these membership details.
Age. You have to be at least 18 years old to get a credit card in Australia.

Residency. You must be an Australian resident or citizen.
Credit history. You won't be eligible to apply for this card if you have declared bankruptcy or insolvency in the past five years. You also can't have defaults on any loans, credit cards, interest-free finance or store cards in the last five years.

Required documents

Personal information. This includes your full name, contact information, residential address and proof of identification including an Australian driver's licence or passport details.
Employment. You'll need to confirm your current place of employment and annual income.
Finances. You'll be asked to list your assets (including savings, property, shares, superannuation and vehicles), liabilities (such as existing loans and credit card repayments) and monthly expenses.

Card benefits

No annual fee. The BankVic Qantas Visa card charges no annual fee.
Qantas Points per $1. This card offers 0.5 Qantas Points per $1 spent on eligible purchases, which covers most of your everyday shopping. You won't earn points on transactions including balance transfers, business spending and cash advances.

Complimentary Qantas Frequent Flyer membership. If you're not a Qantas Frequent Flyer member, this card gives you a way to save on the standard joining fee of $99.50 when you apply.
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.
Mobile wallets. You can link your card with Samsung Pay, Google Pay and Apple Pay to use your smartphone or eligible device to make contactless payments.

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.

Cash advances. Cash advance transactions, such as ATM withdrawals, card attract a 16.95% p.a. interest rate. You'll also be charged a Free.
International transaction fee. If you use your card to make a purchase online or overseas in a foreign currency, you'll be charged a 2% international transaction fee.

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BankVic Qantas Visa Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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