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BankVic Qantas Visa Credit Card
BankVic Qantas Visa Credit Card

BankVic Credit Cards

BankVic Qantas Visa Credit Card

Updated 28 October 2019

Points Earn Rate (per $1 spent)

0.5

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • No annual fee
  • Complimentary overseas travel insurance
  • 0.5 Qantas points per $1 spent
  • 6.99% for the first 6 months on balance transfers and purchases

  • This card is only available exclusively for TPAV members

Creditcard.com.au review

Editor Review

BankVic Qantas Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The BankVic Qantas Visa Credit Card

Available to The Police Association Victoria (TPAV) members only, the BankVic Qantas Visa Credit Card is a fantastic option for those who qualify to earn uncapped Qantas Points while paying no annual fee. In terms of extras, the card offers complimentary overseas travel insurance and complimentary Qantas Frequent Flyer membership, as well as 6.99% p.a. on purchases and balance transfers for six months.

What we love...

Before we go any further on this review, we should make a point of saying the BankVic Qantas Visa Credit Card is available exclusively to TPAV members who are also BankVic members. Even if you are the spouse or dependent of a TPAV member, you cannot apply for this card. However, TPAV members who apply and are approved may nominate one additional cardholder on the account.

Why is the card exclusively for TPAV members? Well, for one thing, this card is a seriously good deal. As a cardholder, you will pay no annual fee ever, while earning uncapped Qantas Points on your everyday card spending. What that essentially means is you are earning rewards while paying zip for the privilege. In credit card land, that is living the dream.

In terms of points-earning potential, the card doesn’t have the highest earn rate out there, but it is still pretty good considering its no annual fee status. You will earn:

  • 1 Qantas Point for every $2 you spend (uncapped)
  • 1 additional Qantas Point for every $1 you spend on Qantas purchases, including Qantas flights, and Qantas Club and Qantas Frequent Flyer membership purchased directly from Qantas.

As we mentioned previously, you can choose to add an additional cardholder to the account at no extra cost. This not only streamlines your family finances, it can also help you earn points even faster as your additional cardholder uses their card day-to-day. On top of that, you will enjoy complimentary Qantas Frequent Flyer membership if you are not yet a member.

As you accrue Qantas Points, they will be automatically credited to your Qantas Frequent Flyer Account once a month, as long as you have provided the bank with your Qantas Frequent Flyer membership number. Then you are free to do with your Points as you wish. You could redeem them for flights or upgrades, pay for Qantas insurance or goodies from Qantas Wine, or pick up something special from the Qantas Store.

Aside from its rewards program, the BankVic Qantas Visa Credit Card also has a very appealing two-part intro offer on the go. As a new cardholder, you can benefit from 6.99% p.a. on both purchases and balance transfers for six months. You can balance transfer up to 95% of your approved limit, and any amount left unpaid at the end of the intro period reverts to the purchase rate.

What’s not so great...

Really, the only fault we could find on the BankVic Qantas Visa Credit Card is the fact that application is exclusively for TPAV members. It has a reasonable purchase rate for a rewards card, and some nice perks on the side, especially for a no annual fee card. We’re only sore because it’s not available to everyone.

Why should you choose this card?

If you’re a TPAV member who wants to earn Qantas Points, there’s really not much point looking beyond the BankVic Qantas Visa Credit Card. You’ll be hard pushed to find another Qantas-earning card with perks such as complimentary overseas travel insurance available for no annual fee. The only thing we’d say is that, as with any rewards card, the balance should be paid off by the due date each month to avoid interest accruing, to fully enjoy all the value this card offers.

Aside from the extras we’ve already mentioned, the card also provides up to 55 days interest free on purchases as long as you pay off your balance month to month and don’t have a balance transfer on the card. As for the overseas insurance cover on offer, this extends to the cardholder’s spouse and kids when travelling together, as long as they meet the activation requirements (read the PDS for more info on this).

Overall Rating

A seriously rewarding rewards card, the BankVic Qantas Visa Credit Card offers uncapped Qantas Points earning, complimentary overseas travel insurance, and 6.99% p.a. on purchases and balance transfers for six months – all for no annual fee.

User reviews

BankVic Qantas Visa Credit Card ( based on 1 Creditcard.com.au user review )

81% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 16.95% p.a.

Introductory purchase rate 6.99% p.a. for 6 months

Cash advance rate 16.95% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 6.99% p.a. for 6 months

Balance transfer revert rate 16.95% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 95% of approved credit limit

Banks you can't balance transfer from BankVic

Credit limits

Minimum credit limt $5000

Maximum credit limit $30,000

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee N/A

Foreign transaction fee 3.65%

Minimum repayment

Cash advance fee N/A

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

BankVic Qantas Visa Credit Card

The BankVic Qantas Visa Credit Card is available exclusively for TPAV members.

Key features

  • No annual fee
  • 6.99% for the first 6 months on balance transfers and purchases
  • 0.5 Qantas points per $1 spent
  • International travel insurance for you, your spouse and dependent children
  • Up to 55 days interest free on purchases
  • Tap and pay with Apple Pay and Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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