Platinum Rewards MasterCard

QTMB Platinum MasterCard

0% p.a. for 14 months on balance transfers(1), reverting back to the cash advance rate (21.74%p.a.) thereafter. Plus bonus points offer.

With a comprehensive rewards program and points that never expire, this card will reward you for your everyday purchases.

Please refer to the Credit Guide (Credit Provider) before proceeding. Thank you.

Special offer
Earn 20,000 reward points(2) when you spend $3,000 in the first 3 months (offer ends 31 January 2017).
Apply now


  • Earn 1 reward point for every $1 spent on your card (2)
  • Save time with a Platinum Concierge Service available 24 hours a day, seven days a week which helps with anything from finding restaurants to organising gifts
  • You receive complimentary International Travel Insurance(4). Purchase your overseas travel tickets with your Platinum Rewards MasterCard and you and your family may be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
  • You receive complimentary Interstate Flight Inconvenience Insurance(4). Purchase your travel tickets with your Platinum Rewards MasterCard card and you may be covered for events like flight delays, cancellations, baggage delays and personal item damage.
  • You benefit from the Guaranteed Pricing Scheme(4) which enables you to receive a refund of the price difference when you purchase in-store and then see the same product advertised at a lower price in a catalogue from a store within 25kms of the store from where the covered products were purchased, you can claim the difference within 60 days if the price difference is greater than $75, up to $500 and the product hasn't been purchased online.
  • You receive complimentary Purchase Cover Insurance(4). If items are lost, stolen or damaged anywhere in the world within 90 days of purchase on your Platinum Rewards MasterCard or Low Rate MasterCard, they may be repaired, replaced, rebuilt or reinstated, free of charge if you make a claim within 21 days.
  • You can order up to four free additional cards


Interest rates are on a per annum basis and are subject to change.

Interest rate - 20.24%p.a.interest rate on purchases

Cash rate - 21.74%p.a.interest rate on cash advances


Other fees may apply

Annual account fee - $159

Additional card fee - free

Apply now Visit a branch

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.

Terms and Conditions apply. Fees and charges apply and are available upon request. Final approval of your MasterCard application will be subject to satisfying Card Services credit criteria. 

(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. 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 card remains open and in good standing.

(3) Actual credit limit will be assigned based on our Credit Criteria, your credit rating, and subject to confirmation that you earn a minimum of $35,000 for the Platinum Rewards card. Credit limit is up to $30,000 on Platinum at point of initial approval. Over time, you may apply to increase your credit limit if you satisfy our credit criteria.

(4) 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
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

© 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.