• $60 Annual Fee

  • $120 cash back if you spend $500 per month on retail purchases for the first 3 months

  • Earn 1 Q Rewards Point for every dollar spent on eligible transactions

  • 0% on Balance Transfers for 6 months

  • Purchase Cover Insurance and Guaranteed Pricing Scheme


  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to the high Cash Advance Rate of 21.74% p.a. after the promotional period


  • Transparency
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    3.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Card / Account Used For
    • Special Purchases (1)
    • Overseas/Travel (1)
    • Everyday Expenses (1)
    • Online Shopping (1)
  • Application Process
    5.0 (1)

BarbSchroSouth East Queensland, QLD

  • 7 reviews
  • 1 like
  • Verified customer

Rewarding, convenient and hassle free

Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
See all answers


  • 4 reviews

Can't live without it


Credit card made simple. From the interest rate and the monthly statement. Use of the card is made real easy

Great card, used over many years


A great card if you control your Credit limit and pay in full before interest clicks in. Great rewards program.

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ima consumer

ima consumercairns

  • 2 reviews
  • 1 like

I like the card


I think this credit card is very good but when i apllyd for it the branch didnt send the aplickashon thru strate away so i didnt get the card until a few weks later but when i did finaly get it the give you rewards after you have been useing it and you can buy things on the website with the points
It is good
They didnt send it strate away



  • 20 reviews



The Q rewards system linked to these cards is at least a good as flybuys (and you can still use that when you spend anyway, so you double up on points). They too have plenty of bonus partners everywhere, where you can earn 6, sometimes 10 points for every dollar you spend. If you use your card for everything, it really doesn't take too long to accumulate points. I usually end up with around $140 worth of gift cards each year for Target, Kmart etc...
NEVER had a problem with this card, go in and see them.
Fantastic Q rewards system
Average annual fees...

Questions & Answers



Do you have your call center overseas or in Australia?

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