Access up to 60% of your available credit and repay at just 7.99% p.a. Funds are transferred directly to your nominated Australian bank account and repaid in fixed monthly instalments over 36 months.16
Apply nowTerms and conditions apply. New customers only.
Access up to 60% of your available credit and repay at a low rate of just 7.99% p.a., which is lower than the Cash Advance rate. The funds are transferred directly to your nominated Australian bank account and repaid in fixed monthly instalments over 36 months.16
Take control of your finances with 0% p.a. interest on balance transfers for 18 months.15
The rate will revert to the cash advance rate thereafter. A 2% balance transfer fee applies, and no interest free days will apply to purchases while you have a balance transfer.
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With Instalment Plans, you can break your purchases into manageable monthly instalments over a set term.3 Find out more.
Accepted at over 61 million merchant locations worldwide
| Annual fee | Annual percentage rate - Retail Purchases | Annual percentage rate - Cash Advances | Interest-free period on purchases2 | Credit Limit Range |
|---|---|---|---|---|
| $65 | 13.99% p.a. | 21.99% p.a. |
Up to 55 days (unless you have a balance transfer) | $2,000 to $30,000 |
A full list of fees and charges are provided in our Credit Card Fees and Charges Guide below.
Applying online will take around 10 minutes.
Access up to 60% of your available credit as cash and repay at a low rate of 7.99% p.a. in fixed monthly instalments over 36 months.16
Enjoy 0% p.a. on balance transfers for 18 months.15 A 2% balance transfer fee applies. Unpaid balance transfer reverts to variable Cash Advance rate.
Earn Q rewards® points
Earn 1 Q Rewards® point for each dollar spent on Eligible Purchases4 and redeem them for a range of options like evouchers, cashback and pay with points.
earn q rewards® points and enjoy Travel Perks
The Platinum rewards card that has you covered, from purchases to rewards alongside our everyday earn rate of 2 Q Rewards® Points earned on every dollar of eligible spend.4 Including complimentary insurance and extended warranties (terms, conditions, limits and exclusions apply).1
Note: complimentary travel insurances will no longer be available from 15 May 2026. Find out more here.
