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Visa Platinum

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Would you like a low-interest Credit Card with lots of privileges?

Our Visa Platinum is a convenient credit card that lets you enjoy the Visa Platinum privileges with an incredibly low purchase interest rate of 9.99% pa.

Our Visa Platinum Credit Card has plenty to offer, with a low annual fee, the convenience of complimentary international Travel Insurance and a 24-hour Visa Concierge service.

9.99% pa
purchase interest rate

9.99% pa
balance transfer rate

Apply Online Call 1300 654 822 Web Chat

The Details:

Get a low interest rate on all purchases and balance transfers.1 Minimum limit $6,000.
A low annual fee means more benefits with less cost. Access your funds anytime with 24/7 access.
Choose from easy repayment options. You will incur no monthly administration fees.
Get complimentary international Travel Insurance for overseas trips.2 Get the added benefit of exclusive Visa Platinum 24/7 Concierge Services.
Access exclusive Visa Platinum Entertainment offers Interest calculated daily and charged monthly in arrears.
Get your Visa Platinum Credit Card faster with our quick approval time. The card comes with the convenience of Visa payWave contactless technology
Enjoy the added flexibility of up to 55 days interest free on purchases, excluding cash advances and balance transfers.  
  Rates & Fees
Visa Platinum Credit Card (S6)
Interest Rates
Purchase Interest Rate 9.99% pa
Balance Transfer Rate 9.99% pa
Cash Advance Interest Rate 19.99% pa
Annual Fee $99 
  Ready to Apply

Let us assist with your borrowing needs. For a Credit Card, you can:

Apply Online

Apply Online

Phone Us

Call 1300 654 822 between 8:00am and 7:00pm Monday to Thursday and Friday 8:00am and 6:00pm.


Complete a Credit Card Application and return it to us.
Download the Personal Loan Documentation Checklist for a list of the documents required to apply for your Loan.

Visit Us

Complete an application in person at our Hawthorn East or Moonee Ponds Service Centres.

Terms and Conditions

Part A - Product Information
Part B - Fees and Charges
Part C - Interest Rates

  More Info

For further details on the useful 24/7 Concierge Services available to all Platinum Cardholders, visit

Accepted everywhere

Would you like a credit card that you can use wherever you go?
Our Visa Platinum Credit Card lets you access your money anytime, anywhere, from almost any location in Australia and over 24 million places worldwide. Use your Visa Platinum Credit Card:

  • Wherever the Visa logo is displayed.
  • At EFTPOS terminals (by pressing 'credit').
  • At contactless EFTPOS terminals (payWave) for transactions up to $100.
  • At ATM terminals where the Visa logo is displayed.
  • Over the phone to pay bills or to make purchases.
  • Via the internet to make purchases.
  • Using BPAY or BPAY View to pay bills online.

Useful Contacts

Visa Platinum 24/7 Concierge Services: 1800 639 607

Travel Insurance Emergency Hotline: +61 2 8895 0698 or

Complimentary Travel Insurance Policy Information document

Balance Transfers

Would you like to easily reduce interest, save fees and consolidate your debts?

Think about transferring your balance from another credit card by completing the 'Balance Transfer Request' section on the application form.


Use our calculators to make informed decisions about your money.

Budget Planner Calculator
Manage your money effectively and achieve your savings goals with a budget.


Important Information
Credit Card Interest Rates effective 31 October 2017. Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
1.Variable interest rate. Fees and charges apply. Full details on request.
2.Visa Platinum Credit Cards come with complimentary overseas travel insurance. Victoria Teachers Limited (ABN: 44 087 651 769) trading as Victoria Teachers Mutual Bank has obtained the complimentary insurances applying to the Victoria Teachers Mutual Bank Platinum Card under Master Policies issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227 681 trading as CGU Insurance. The benefits of these Master Policies are extended to Victoria Teachers Mutual Bank’s cardholders (as third party beneficiaries) as complimentary benefits. For eligibility criteria and full terms and conditions please refer to the policy document. Once you have read the policy document you should decide if the complimentary cover is suitable for your needs.