G&C Mutual Bank Platinum Visa Credit Card

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Earn up to 1.85 Qantas Points per $1 you spend with the G&C Mutual Bank Platinum Visa Credit Card.

The G&C Mutual Bank Platinum Visa credit card is linked to the Qantas Frequent Flyer program, so you can earn points as you spend and redeem them for flights, accommodation and other rewards. Cardholders can also take advantage of a 24/7 concierge service.

18.74% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)

$249 p.a.

Annual fee

50 days

Interest free period


Product NameG&C Mutual Bank Platinum Visa Credit Card
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)18.74% p.a.
Annual fee$249 p.a.
Interest Free Period50 days
Cash advance rate (p.a.)19.74% p.a.
Min credit limit$6,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo


  • Earn 0.85 bonus Qantas Point per $1 spent on eligible purchases.
  • Earn additional 1 Qantas Point per $1 spent on eligible Qantas products.
  • Complimentary Qantas Frequent Flyer membership


  • A high standard annual fee of $249 p.a.
  • This card only has up to 50 days interest-free on purchases as opposed to other cards that offer up to 55 days.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ spent (Visa/Mastercard)0.85
Annual fee$249 p.a.
Minimum Monthly Repayment3% of the closing balance or $20, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee$5
Overseas Cash Advance Fee$5
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The G&C Mutual Bank Platinum Visa credit card has a competitive earn rate that could help maximise how many Qantas Points you collect as you spend. Unlike some other Qantas cards, it doesn’t come with an introductory bonus points offer or extra perks like airport lounge passes though.

How to apply

You can apply for the G&C Mutual Bank Platinum Visa credit card online. Before you get started, you should check if you meet the eligibility requirements and have the information you need to complete the application.

Eligibility criteria

  • Residency. This card is only available to Australian or New Zealand citizens or an Australian permanent residents.
  • Employment. You must be eligible to work in Australia and employed or earning a regular income.

Card benefits

  • Earn Qantas points. You'll earn 0.85 Qantas Point per $1 spent on eligible purchases. You can also earn 1 additional Qantas Point per $1 spent on eligible Qantas products and services in Australia. If you're not already a Qantas Frequent Flyer, you'll receive complimentary member and save the $89.50 joining fee.
  • Platinum concierge service. You can take advantage of round-the-clock access to a global platinum concierge service. Your concierge can help with travel, entertainment and lifestyle requests including booking accommodation, making a restaurant reservation or sending a gift to a family member.

Rates & fees

  • Annual fee. This credit card charges an ongoing annual fee of $249 p.a.
  • Purchase interest rate. Purchases will attract a 18.74% p.a. interest rate.
  • Cash advances. If you use your card to make a cash advance (like an ATM withdrawal), you'll immediately attract the 19.74% p.a. interest rate and will be charged a $5 fee.

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