Platinum Visa Credit Card
- Last updated on 02 Apr 2020
ING Orange One
specialNo Annual Fee. No international transaction fees for shopping online and overseas when you deposit $1000+ each month to your ING account and complete more than 5 card purchases
Join the thousands choosing the low rate, no annual fee credit card. T&C's Apply
Balance Transfer Rate
Max Free Days
- Free supplementary cards
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
2.85% on Visa
Estimated ATM Cost
for AU $300 withdrawal
Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
Australia Citizen, Permanent Resident
|0.85 points for $1 spent||Visa||Up to $20k monthly||eligible transactions|
- FREE SUPPLEMENTARY CARDS
1 additional Qantas points earned for every dollar spent on selected Qantas Products and Services in Australia.
Compare and review credit cards with similar features
G&C Mutual Bank is a member-owned financial institution. G&C Mutual Bank was created in 1959 and has since grown to serve over 36,000 members.
G&C Mutual Bank operates eight service centres throughout New South Wales and Victoria for customers who prefer face-to-face service. G&C also offer phone, online and mobile banking options.
Anyone can join G&C Mutual Bank, but only G&C members can take advantage of their credit card offering.
The G&C Mutual Bank Platinum Visa credit card offers a moderately high interest rate for purchases and a moderate number of interest-free days.
This Visa card is associated with the Qantas Frequent Flyer program. As a cardholder, you could earn Qantas Points for your membership.
As a G&C Mutual Bank Platinum Visa cardholder, you’re eligible for complimentary overseas and domestic travel and purchase insurances.
A Platinum Visa concierge service is available 24/7, offering travel advice and assistance and a translation service.
This credit card has a moderately high annual fee and additional cardholders can be included on the primary account at no extra cost.
Being a Visa card, it’s protected by Verified by Visa to guard against fraudulent transactions.
Visa Checkout is available, which is a digital wallet feature that lets you manage your card from a compatible device.
- No additional cardholder fee
- Qantas Points
- No late payment fee
- Moderately high cash advance rate
- Moderately high annual fee
- No 0% balance transfers
Who is it good for?
The G&C Mutual Bank Platinum Visa credit card is linked to the Qantas Frequent Flyer program. If you’re wanting to add to your Qantas Points, this may be an option.
If you’re not signed up to Qantas Frequent Flyer, taking out this credit card will provide you with a complimentary membership.
The range of complimentary domestic and overseas travel insurances might be useful when you travel. There’s a 24/7 concierge service available to assist when you’re on holiday.
Zero per cent balance transfers are not offered, which is something to consider if you want to transfer an existing credit card balance across to the G&C Mutual Bank Platinum Visa.
You can add additional cardholders at no extra cost and there’s no late fee charged for missed payments.
Additional cardholders using the G&C Mutual Bank Platinum Visa contribute Qantas Points to your membership.
What RateCity says
The G&C Mutual Bank Platinum Visa credit card is connected to the Qantas Frequent Flyer program. Only Qantas Points can be earned via eligible transactions.
This card may not benefit members of other airline programs unless Qantas is a partner.
The complimentary travel insurances and concierge service are a standard feature of many credit cards in this price range.
Visa Platinum Concierge offers cardholders emergency travel arrangement provisions; passport, visa, and customs information; and translation and message assistance.
Unlike some other Visa cards on the market, this credit card doesn’t give cardholders complimentary airport lounge access.
This card has a moderate number of interest-free days and a moderately high interest rate for cash advances.
If you’re after an inexpensive day-to-day credit card with low fees, this may not be a budget-friendly option.
To be eligible for the G&C Mutual Bank Platinum Visa credit card, you must be over 18, an Australian or New Zealand citizen, or a permanent resident living in Australia. You must be employed and in receipt of an income. In addition to this, you must have a good credit rating and not be bankrupt. You can apply online, over the phone or in a branch. You’ll need an acceptable form of identification including driver’s licence, Medicare card or passport.
About G&C Mutual Bank
G&C Mutual Bank – formerly SGE Credit Union – is a member-owned bank that was founded in 1959 as the Public Works Department Staff Cooperative. It currently has more than 36,000 members it services from eight branches throughout New South Wales and Victoria. G&C Mutual Bank provides a comprehensive range of personal financial services, including credit cards, bank accounts, term deposits, home loans, personal loans and insurance options. Its headquarters is in Sydney.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.