BankVic Visa Gold

6.99% p.a. for 6 months then 16.95% p.a.

6.99% p.a. for 6 months and then 16.95% p.a.

$50

Cash Back Rewards

BankVic Visa Gold

6.99% p.a. for 6 months then 16.95% p.a.

6.99% p.a. for 6 months and then 16.95% p.a.

$50

Cash Back Rewards

Rewards program details

Rates and fees information correct as at 23 July 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

25,000 points

$100 Cash

25,000 points

Points earning

1 point per dollar on Visa, up to $5,000 per month

Rewards scheme

Cash back will be automatically credited to the Visa Gold credit card on 1 December each year

Value of rewards points

Spend $25,000 (Visa)

Spend $25,000 (Visa)

at $5,000 monthly

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 16.95% p.a.

  • 6.99% p.a. for 6 months

  • 6.99% p.a. for 6 months and then 16.95% p.a.

  • no

  • 16.95% p.a.

  • 55

Fees
  • $50.00

  • none

  • none

  • none

  • $15.00

  • $4.00

  • 3.65%

  • $2.00

  • $25.00

  • $0.00

Features
  • $20.00

  • 2.5

  • 1

  • none

Payment options

Apple Pay, Google Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are BankVic credit cards rated by the Mozo community?

Overall customer rating
8.3/10
Price
7.9/10
Features
7.3/10
Customer service
8.6/10
Convenience
7.4/10
Trust
8.8/10

Latest reviews of BankVic Visa Gold

  • Overall
    6/10
    Great personal service and understanding

    I was charged interest because I short paid the balance by 3 dollars. One phone call and the...

    I was charged interest because I short paid the balance by 3 dollars. One phone call and the charges were reversed with no problems.

    Price
    4/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    8/10
    Trust
    8/10

    Rod | New South Wales

    reviewed about 4 years ago

  • Overall
    10/10
    Good

    Great staff, great bank. No fees at all.

    Great staff, great bank. No fees at all.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Sandy | Victoria

    reviewed about 4 years ago

BankVic

About BankVic

BankVic, formerly the Police Credit Union VIC, is a mutual bank wholly owned by its members. BankVic offers financial services for people working in police, health, emergency and public services along with their family and friends. Personal banking products available at BankVic include credit cards, home loans, insurance and financial advice.

See BankVic credit cards

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Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

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ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

12.49% p.a.

$58

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Citi

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Clear Platinum

0% p.a. for 14 months and then 21.74% p.a.

12.99% p.a.

$99 $0 in the first year

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CUA

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Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

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HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 22 months and then 21.99% p.a.

0% p.a. for 12 months then 19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

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Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $49 in the first year

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CUA

CUA

Platinum Credit Card

0% p.a. for 13 months and then 21.74% p.a.

19.99% p.a.

$149 $0 in the first year

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Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

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CUA

CUA

Platinum Credit Card

1 point per dollar on Mastercard, up to 100000 points per year

19.99% p.a.

$149 $0 in the first year

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Citi

Citi

Platinum (Purchase Rate Offer)

1 point per dollar on Visa, up to $10,000 per month

20.99% p.a.

$149 $49 in the first year

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Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

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ANZ

ANZ

Rewards Travel Adventures Card

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$225

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

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American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

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ANZ

ANZ

Rewards Black

2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped

18.79% p.a.

$375

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Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

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ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

$58

12.49% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

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HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

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Citi

Citi

Clear Platinum

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

12.99% p.a.

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NAB

NAB

Qantas Rewards Signature Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

19.99% p.a.

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Citi

Citi

Signature

0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

$395 $199 in the first year

20.99% p.a.

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CUA

CUA

Low Rate Credit Card

11.99% p.a.

$49 $0 in the first year

0% p.a. for 13 months and then 21.74% p.a.

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ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

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Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

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NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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Citi

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Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

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HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

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Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

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HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)

$129 Refunded when you spend over $6,000 p.a

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Virgin Money

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Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

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NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

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NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

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Citi

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Platinum (Purchase Rate Offer)

0% p.a. for 13 months then 20.99% p.a.

0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

$149 $49 in the first year