UNITY BANK
Platinum Visa Credit Card
UNITY BANK · cred and chrg cards
Provider last updated this product 2026-09-14.
Go to provider
You'll complete your application on
UNITY BANK's website. Confirm the rate and fees with them
before applying.
Premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly. | |||||||
| PURCHASE | 19.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly. | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Calculated daily, charged monthly. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| EMERGENCY_CASH/CARD_VISA_CREDIT | REPLACEMENT | $0 | Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) |
| ANNUAL_CREDIT_CARD_FEE_-_PLATINUM | PERIODIC | $299 | An annual fee charged for Platinum Visa Credit Card product |
| CREDIT_CARD_STATEMENT_FEE_-_GCMB | PERIODIC | $2 | A fee charged to cover the cost of producing and sending paper statements |
| LATE_PAYMENT_FEE | EVENT | $15 | A fee charged when you don't make your minimum monthly payment, plus any overdue amount |
| OUTWARD_RTGS_PAYMENT_FEE | WITHDRAWAL | $30 | A Processing fee charged when you require funds to be sent straight away |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | DEPOSIT | $10 | A processing fee charged when you receive funds through this channel |
| EFTPOS_DECLINE_FEE | TRANSACTION | $1 | A fee charged if you don't have enough money in your account for an EFTPOS transaction |
| ATM_INSUFFICIENT_FUNDS | TRANSACTION | $1 | A fee charged if you don't have enough money in your account for an ATM withdrawal |
| QUICKDEBIT_DISHONOUR_FEE | TRANSACTION | $20 | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you |
| _FOREIGN_CURRENCY_CONVERSION_FEE | TRANSACTION | 3.00% | Foreign currency conversion fee charged on transaction value in AUD (overseas transactions) |
| VISA_CASH_ADVANCE_FEE | TRANSACTION | $4 | A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-17 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-07-17. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Concierge is an exclusive service designed to assist platinum cardholders. It s like having your own personal assistant available 24 hours, 7 days a week in Australia and overseas. Access to range of services including, Emergency travel arrangement provisions, Passport, visa, and customs information Translation and message assistance, Restaurant recommendations, concert tickets and tour bookings
- Securely lock your debit card in the GCMB App while you look for it and unlock it again when you find it
- Cards made from 82% recycled PVC
- Find the digital version of your card via the Mobile App before your physical card arrives in the mail.
- Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.
- Minimum monthly repayment is the greater of 3% of the amount of the closing balance, or $20
Who can apply
- min age - 18
- residency status - PERMANENT RESIDENTYou must be an Australian citizen or permanent resident
- natural person
Limits
- opening balance - 6000.00
- max limit - 75000.00
- min limit - 6000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-14T10:49:01.000+10:00 · Product ID: S78_PLATINUM_VISA_CREDIT_CARD