In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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BankVic Qantas Visa Credit Card
Terms and conditions apply
Balance transfer rate for 6 months with no balance transfer fee
6.99% p.a.
Purchase rate for the first 6 months (reverts to 16.95%)
6.99% p.a.
Reward points per $ spent
0.5
Annual fee
$0 p.a.

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.

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.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.

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.
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
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
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.

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.

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.

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Amy Finder

Editor

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