Platinum Rewards Credit Card

Do I meet the criteria to apply for a credit card?

To be eligible to apply, you must:

• Be 18 years or older
• Be a Permanent Australian Resident and an Australian Tax Resident
• Have a valid Australian mobile number and email address
• Receive a regular income (you may be asked to provide payslips or bank statements.)
• Have a good credit rating
• The account must be in a personal name (no Company or Trading Accounts).

What documents do I require to apply for a credit card?

You’ll need to provide at least one form of ID:​

• Australian Driver Licence
• Australian passport or foreign passport

Information you need to give us​

• Driver Licence number (if you have one)
• Your current employment status​
• Your income, before and after tax
• What debts you owe, including personal loans, home loans, other credit cards or buy now, pay later accounts
• Your general living expenses, including food and groceries, recreation, education and dependents, rent, medical and health, insurance, vehicle and transport

What is a rewards credit card?

It’s a credit card that offers Points when you make Eligible Transactions⁴ with your card. You can use these Points to redeem for a range of Rewards.

What can I use my Q Rewards® Points for?

There are a variety of ways your can use your Q Rewards® Points, the choice is yours for what Rewards you’d like to redeem them for:

• Cashback for a credit to your account
• Pay with Points for a credit to your account on selected transactions
• Giftcards from a great range of retailers
• Convert your Q Rewards® Points to Velocity Points and use them for travel or Flybuys Points and get even more choice on how to spend them.

How does credit card interest work?

The interest incurred on your credit card is charged when you don’t pay off your full balance by the set due date. How much interest you’ll pay will depend on the type of card you have, how much you have spent and when you make your repayments.

How do I apply for a credit card?

Please note, applications for a new Credit Card are temporarily unavailable from 26 October 2025.

The first step is to compare our credit cards. Decide which product suits your needs, then once you have decided which card you would like to apply for, click ‘Apply now’. It should take less than 10 minutes to complete if you have all your info on hand, and once approved we'll have your card out to you within 10 working days. We'll need to know your age (minimum age is 18 years), Australian residency status, your driver’s license if you have one and your current financial details, including employment and monthly expense and income details.

How is my credit limit determined?

Your credit limit is determined when we apply our credit assessment criteria to your individual financial situation.

How does the interest-free period work?

You'll enjoy interest-free days on all purchases, providing you repay the full balance on your card each month, excluding any fixed payment option balance which isn’t due for payment by that payment due date.

While you have a balance transfer, you won’t be eligible for any interest-free days. Interest-free periods also don't apply to cash withdrawals, and you will incur interest from the date the transaction is made (regardless of whether the account is repaid in full each month). You'll be charged interest on retail purchases if the statement's full closing balance is not repaid by the due date.