Unity Bank Platinum Visa Credit Card

Name: Unity Bank Platinum Visa Credit Card
Brand: Unity Bank

Data last updated 17 July 2026

19.99%

Purchase rate

$299

Annual fee

30,000

Bonus points

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CardIQ

34Basic

Basic

Overall score, out of 100 · How this works

Frequent flyer34
Qantas Points34
Rewards33
Sign-up bonus34

Customer reviews

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Pros & cons

What's good

30,000 bonus Qantas Points to start, worth around $360 at our 1.2c-per-point valuation.
No fee to add an additional cardholder.
Points don't expire while your account is open and in order.

Worth noting

The $299 annual fee is high for a Platinum card, where the typical fee is about $155.
The 19.99% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Earns 1 point per $1 on everyday spend, around the dataset average.
Points earning is capped at 20,000 points a month.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Visa
Card use: Personal
Credit limit: $6,000 – $75,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.99% p.a.
Purchases: 19.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $299 p.a.
Cash advance fee: —
Foreign transaction fee: 3%
Late payment fee: $0

Repayments

Interest-free period: Up to 50 days on purchases
Minimum repayment: 2% of the closing balance or $25, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1 pt per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Maximum 20,000 points per month
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: 5000
Sign-up bonus: 30,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Rewards value$432 a yearTop 25% (13th of 95 cards)

Overseas fee3.00%Better than most (53rd of 200 cards)

Purchase rate19.99%Middle of the market (97th of 196 cards)

Interest-free days50 daysNot as good as most cards (117th of 192 cards)

Sign-up bonus$360Not as good as most cards (46th of 59 cards)

Annual fee$299 a yearAmong the most expensive (174th of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Unity Bank
Program: Qantas Frequent Flyer