Credit Cards

With two cards to choose from, our MasterCard range provides the perfect solution no matter how you choose to use your credit card.

Low Rate MasterCard

QTMB Low Rate MasterCard

0% pa for 9 months on balance transfers(1) and $49 annual fee for life(4).

Learn more Apply now

Platinum Rewards MasterCard

QTMB Platinum MasterCard

0% p.a. for 14 months on balance transfers (1) plus bonus points offer

Learn more Apply now

Compare our cards

Low Rate MasterCard Credit Card
Platinum Rewards MasterCard Credit Card
Annual fee $49 (4) $159
Interest free days Up to 55 (6) Up to 55(6)
Special offers 0% pa for 9 months on balance transfers(1) and $49 annual fee for life(4). 0% p.a. for 14 months on balance transfers(1), reverts to the cash advance rate thereafter. Plus bonus offer: Earn 20,000 reward points(2) when you spend $3,000 in the first 3 months (offer ends 31 January 2017).
Interest rate on purchases (p.a.) 12.99%p.a. 20.24%p.a.
Interest rate on cash advance (p.a.) 21.74%p.a. 21.74%p.a.
Fraudshield security Yes Yes
Rewards program No Yes, 1 reward point for every $1 spent on your card (2)
Complimentary international travel insurance No Yes(3)
Guaranteed Price Scheme Yes(3) Yes(3)
Additional cardholders Yes, up to 4 additional cards free Yes, up to 4 additional cards free
Complimentary purchase cover insurance Yes, up to $50,000 per year(3) Yes, up to $200,000 per year(3)
Redemption items e.g. vouchers, gift certificates, cashback and merchandise rewards No Yes
Complimentary interstate flight inconvenience insurance No Yes(3)
24/7 Concierge Service No Yes
Apply now Apply now
Credit Card Home Page

QT Mutual Bank Limited (QTMB) provides customers with credit assistance in relation to the QTMB MasterCard and also gives assistance to customers in relation to credit limit increases for the Card. QTMB assists customers as part of our arrangements with the card issuer, Citigroup Pty Limited.

Fees and charges apply. Terms and conditions apply and are available upon request. Citigroup’s credit criteria apply. Current Card Services Credit Cardholders are not eligible to apply for these introductory offers.

(1)The 0% p.a. promotional interest rate applies to balances transferred with this offer at point of application, for a period of 14 months for the Platinum Rewards MasterCard, and 9 months for the Low Rate MasterCard. At the end of the promotional period, any outstanding transferred balances will revert to the variable Annual Percentage Rate for cash advances, currently 21.74% p.a. Your total balance transfers with this offer may not exceed 80% of your credit limit. This offer ends 31/1/2017. Existing Card Services Credit Cardholders are not eligible to apply for this offer.

(2) On 1 May 2016, the reward point earn rate will become 1 reward point for every $1 spent (capped at 100,000 points). Prior to 1 May 2016 the reward point earn rate will be 1.25 reward points for every $1 spent. All rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on balance transfers, cash advances and certain other transactions. Reward points never expire while the account remains open and in good standing.

(3) For any claims lodged on or after 1st May 2016, Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to Terms, Conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at https://www.cardservicesdirect.com.au/cardservices/useful_forms.htm  
 
For any claims lodged prior to 1st May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions, some limits and excess may apply. The Terms and Conditions are available at https://www.cardservicesdirect.com.au/cardservices/useful_forms.htm

(4) Please note that subject to your acceptance, and upon activation of your card, you will be charged the annual card fee. For the Platinum Rewards MasterCard, you will be charged an Annual Primary cardholder Fee , currently $159. For the Low Rate MasterCard® you will be charged a discounted Annual Primary cardholder Fee of $49 for the life of the account. Annual fee offer ends 31/01/2017. Current QTMB Cardholders are not eligible to apply for this offer.

(5) All Rewards are subject to the Terms and Conditions of the Card Services Rewards Program. Reward points are not earned on Cash Advances, Special Promotions or Balance Transfers. Reward points never expire while the account remains open and provided your account is in good order.

(6) The maximum 55 days interest free period applies when you pay your balance off in full for two consecutive months. If you carry a balance on your credit card from month to month the 55 days interest-free period does not apply and you are charged interest once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

©2016 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098 which provides and administers credit on behalf of QT Mutual Bank Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195.

My husband and I refinanced our mortgages to QTMB about two and a half years ago. The branch staff were very helpful, and sorted out the loan for the house we now live in, and helped us turn our second property into an investment property.

Charlotte and Michael.