BankVic - VAU Qantas Visa Credit Card

These customers are likely to have the following objectives, needs, financial situation
and must meet the eligibility criteria for this product:

Likely Objectives

• A credit card that provides travel benefits such as earning Qantas rewards, low fees on foreign currency purchases, and access to complimentary travel insurance
• Offers a revolving credit limit to cover everyday expenses or to consolidate debt
• Ability to access available credit for day-to-day transactions and to cover short-term financial gaps
• Low balance transfer rate and no annual fee

Likely Needs

• Access to available credit anytime, anywhere using a physical card or digital wallet
• Visibility of account information including available credit, the date and amount of payment due and
  transactions, can be accessed at any time using digital banking applications, or during operating hours
  through telephone banking or at a BankVic branch
• Ease of payment for any outstanding balance used on the credit card

Likely Financial situation

• Has sufficient disposable income to service the credit card
• Regular income may include overtime and bonuses

Eligibility criteria

• Members of TPAV or VAU
• Eligible for BankVic membership
• Aged 18+ years
• Have not declared bankruptcy or insolvency, or had defaults on any loans, credit cards, interest free --
  finance or store cards in the last five years
• Has sufficient disposable income to service the credit card
• Approval subject to BankVic credit assessment