Our Platinum Visa Credit Card offers all the things you’d expect from a premium credit card:

  • No joining fee for Qantas Frequent Flyer membership
  • Earn 1 Qantas Point for every $1 spent on eligible purchases2, capped at 20,000 Qantas Points per month
  • Annual 10,000 bonus Qantas Points4
  • Platinum Visa Concierge
  • Add an additional cardholder at no extra cost
  • Visa payWave contactless payments
  • Pay securely and conveniently with a Digital Wallet
  • Peace of mind for online shoppers with Visa 3D Secure
  • Cards made from 82% recycled PVC



Plus, earn 50,000 bonus Qantas Points5

Offer applies to a new G&C Mutual Bank Platinum Visa Credit Card when you spend $5,000 on eligible purchases2 within 90 days.

Interest rate on purchases

19.99 % p.a. Interest rate

Product Features:

Credit Card Features
Minimum credit limit : $6,000
Maximum credit limit : $75,000
Interest free period : Up to 50 days on purchases
Purchases interest rate : 19.99% p.a.
Cash advance rate : 21.99% p.a.
Repayment frequency : Minimum monthly repayment is the greater of 3% of the amount of the closing balance or $20
Balance transfer available : No
Reward points : Yes
Online/phone banking & app access : Yes
Annual fee : $299
Foreign currency conversion rate : 3.00% of transaction value in $AUD

As a cardholder, earn Qantas Points whenever you use your G&C Mutual Bank Platinum Visa Credit Card to pay for eligible purchases2. For eligible purchases2 on your credit card you will earn:

  • 1 Qantas Point for every $1 spent. Capped at 20,000 Qantas Points per month
  • 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia6.


You will also receive 10,000 bonus Qantas Points per annum in addition to Qantas Points on eligible purchases4    


Furthermore, new cardholders will receive 50,000 bonus Qantas Points5 when $5,000 is spent on eligible purchases within the first 3 months from approval.


Get rewarded with Qantas Points:

  • Use Qantas Points to book Classic Flight Reward seats to over 1,200 destinations around the world with Qantas, Jetstar, oneworld® and partner airlines7 or use your Qantas Points to request a flight upgrade with Classic Upgrade Rewards8.
  • Choose from over 460,000 hotel and accommodation options worldwide and book with ease on the Qantas Hotels website9.
  • Treat yourself at Qantas Marketplace. Use Qantas Points to shop over 30,000 products from more than 1,200 leading brands including Country Road, Bose, Dyson, Weber and more10.


Qantas Points will be credited to your Qantas Frequent Flyer account within 6-8 weeks of eligible purchases.


Not already a Qantas Frequent Flyer member? G&C Mutual Bank Platinum Visa cardholders are eligible for no joining fee (saving you $99.50). Join today at www.qantas.com/joinffgcmutualbank

Visa concierge is an exclusive service designed to assist platinum cardholders. It’s like having your own personal assistant available 24 hours, seven days a week in Australia and overseas.


Access to a range of services including:

  • Emergency travel arrangement provisions
  • Passport, visa, and customs information
  • Translation and message assistance
  • Restaurant recommendations, concert tickets and tour bookings


For information on concierge services, visit Visa Concierge.

To use your card, you will first have to activate it using one of these options:

  • Log into Online Banking and select "Activate Your Card" from the "Services" drop down menu at the top of your screen
  • Log into the Mobile App and select "Activate Card" from the "Cards" menu at the bottom of your screen
  • Call us on 1300 364 400 and we can assist you over the phone

Lock your card

  • Log into our Mobile App and select "Cards" from the Menu and select "Lock Card"


Report lost, stolen or captured card

  • Please contact us immediately if your G&C Mutual Bank credit or debit card is lost, stolen or captured. Call us on 1300 364 400, 24 hours a day, 7 days a week.
  • For overseas assistance, call us on +61 2 9307 5400 or contact Visa Global Customer Assistance +1 303 967 1090 (international) or the VISA International Hotline specific to the country you are in.
  • Email us with the subject: URGENT lost or stolen card.
  • Contact us before you travel overseas so we can monitor your account more closely. You will also avoid transactions on your cards being stopped by us when we detect overseas purchases. We will need to know your departure date, return date, destination and contact details while you’re away.
  • Alternatively, you can complete the Overseas Travel Form within our Mobile App.
  • Read more about staying financially safe overseas to ensure your travels are memorable for all the right reasons.

Our awards

Our Platinum Visa Credit Card has achieved great success being independently recognised by finance industry expert Mozo for the Qantas Points earned being of excellent value.


4 Applied annually in November to active account holders who have provided their Qantas Frequent Flyer membership number to earn Qantas Points.

5 Offer commences 16 September 2023. To be eligible for the 50,000 bonus points offer, you must apply for a new G&C Mutual Bank Platinum Visa Credit Card, before the offer is withdrawn, be approved, and spend $5,000 on eligible purchases within 90 days of opening your account. G&C Mutual Bank may vary or end this offer at any time. Existing G&C Mutual Bank members who currently hold any G&C Mutual Bank Visa Credit Card, or who have held one in the last 24 months, are not eligible for this offer.

6 Selected Qantas products and services are Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products, Qantas Freight and Qantas Staff Travel.

7 Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.

8 Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy and eligible paid and confirmed Qantas domestic and international flights, with a Qantas (QF) flight number on your ticket and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are not available from all fare types. See tables for details. Classic Upgrade Rewards are subject to capacity controls and availability (which is limited). For more information, visit Classic Upgrade Rewards or see the Terms and Conditions.

9 Qantas Hotels: Members will not be able to redeem points for, or earn points on, additional charges paid to the accommodation provider for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Cancellation and refund policies and conditions differ for each hotel, check at the time of booking. View full Terms and Conditions. Points Plus Pay: Points Plus Pay allows you to choose the number of Qantas Points you redeem above the specified minimum level of 5,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. The ability to use Points Plus Pay is subject to meeting the minimum points requirement of 5,000 Qantas Points. Classic Hotel Rewards: Minimum night stays and blackout dates may apply. Classic Hotel Reward must be booked using Qantas Points only.

10 Qantas Marketplace Terms and Conditions, voucher Terms and Conditions and any other terms and conditions disclosed at the time of redemption. Visit Qantas Marketplace. The range of Rewards and Qantas Points required change from time to time and are available while stocks last. Products shown are available in the Australian Qantas Marketplace for delivery within Australia only. Delivery charges apply.