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 12 months on balance transfers(5) and $49 annual fee for life(6).

Learn more Apply now

Platinum Rewards MasterCard

QTMB Platinum MasterCard

0% p.a. for 14 months on balance transfers (1) plus bonus points offer and a discounted $99 annual fee in the first year (2)

Learn more Apply now

Compare our cards

Low Rate MasterCard Credit Card
Platinum Rewards MasterCard Credit Card
Annual fee $49 (6) $99 in the first year (2)
Interest free days Up to 55 (7) Up to 55(7)
Special offers 0% pa for 12 months on balance transfers(5) and $49 annual fee for life(6). 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(3) when you spend $3,000 in the first 3 months.
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 (3)
Complimentary international travel insurance No Yes(4)
Guaranteed Price Scheme Yes(4) Yes(4)
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(4) Yes, up to $200,000 per year(4)
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. Card Services’ credit criteria applies. Current Card Services Credit Cardholders, or those whose credit is provided or administered by Card Services are not eligible to apply for this introductory offer. Offer ends 31/1/2018, offer may be extended.

(1) The 0% p.a. promotional interest rate applies to balances transferred with this offer at the point of application, for a period of 14 months once the balance transfer is processed. 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.

(2) Subject to your acceptance, you will be charged a discounted Annual Primary Cardholder fee of $99 in the first year. This will revert to the full annual fee, currently $129, in subsequent years.

(3) The reward point earn rate is 1 reward point for every $1 spent. You will also earn 20,000 reward points when you spend $3,000 on your card within 90 days of card approval. Cash advances, balance transfers and certain other transactions set out under the definition of Eligible Transaction in the credit card Rewards Terms and Conditions do not earn Reward points. For full rewards terms and conditions please refer to the Terms and Conditions of the Card Services Rewards Program. Reward points never expire while the card remains open and in good standing. Bonus reward points will ordinarily be credited within 2 weeks of meeting spend criteria.

(4) 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

(5) The 0% p.a. promotional interest rate applies to balances transferred with this offer at point of application, for a period of 12 months once the balance transfer is processed. 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.

(6) For the Low Rate MasterCard, you will be charged a discounted Annual Primary Cardholder Fee of $49 for the life of the account.

(7) 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 on once you make a purchase. No interest free period is available on Cash Advances or Balance Transfers.

(8) Subject to your acceptance, you will not be charged an annual fee while you are a home loan package customer with QT Mutual Bank. Please note, you must head in to branch to apply for this type of offer.

(9) Actual Credit Limit will be assigned based on Card Services’ credit criteria, subject to confirmation that you meet minimum income requirements ($35,000 per year for Platinum, $25,000 per year for Low Rate), and your credit rating. 

© 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 No. 241195, 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.