RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%  

    Booking    Contact    (02) 8006 8300

  Billions Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

  Platinum Credit Card

Platinum Credit Card Account
Category: Credit and Charge Cards  Last Updated October 3, 2025  Effective December 22, 2025

General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

Product Features

  • Card Access
  • Balance Transfers
  • Interest Free Additional Information: Up to 55 days interest free
  • Digital Wallet
  • Digital Wallet
  • Npp Payid
  • Digital Banking
  • Other Additional Information: Other service related charges apply based on your circumstances
  • Complementary Product Discounts

Product Eligibility

  • Other Additional Information: Available to members only.
  • Min Age - 18.
  • Residency Status - Individual Applications Must Be Permanent Residents And Joint Accounts Require At Least One Permanent Resident As Well As Additional Requirements For The Non-residant Applicants..

Bank Fees and Charges

  • Inactive Membership Fee (Periodic), Amount: 30.00.
  • Issue Card Or Pin Internationally By Registered Mail (Event), Amount: 15.00. Additional Information: $15 dollars per item
  • Arrears Fee (Event), Amount: 20.00.
  • Credit Card Atm Withdrawal Fees (Withdrawal), Amount: 2.50.
  • Express Posting Of Card Or Pin In Australia (Event), Amount: 15.00.
  • Credit Card Bankfirst Atm Withdrawal (Withdrawal), Amount: 2.50.
  • Credit Card Cash Advance At Bank@post (Withdrawal), Amount: 2.50.
  • Replacement Card Fee (Event), Amount: 8.00. Additional Information: $12.00 Staff Assisted and $8 via Mobile Banking App
  • Currency Conversion Fee (Transaction), Amount: Not Listed..
  • Visa Platinum Credit Card Annual Fee (Periodic), Amount: 99.00.
  • Emergency Overseas Replacement Card Fee (Event), Amount: 150.00.
  • Visa Debit Card Overseas Atm Withdrawals (Withdrawal), Amount: 2.50. Additional Information: The ATM operator may charge a fee at the time of the transaction
  • Visa Debit Over The Counter Cash Advance (Withdrawal), Amount: 2.50.

 Limitations & Restrictions (Constraints)

  • Min Limit of 6000.00

Document Downloads

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
BM FHB Guide, May 2025
Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

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