Qudos Bank Credit Cards

Qudos Bank gives you the choice of three different credit cards, with low-cost features or platinum perks and Qantas Frequent Flyer rewards. If you're a member of Qudos Bank or are thinking of becomining one, you can use this guide to learn more about these credit cards and the key features you'll get through this member-owned bank.

Comparison of Qudos Bank Credit Cards

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Name	Product	Balance transfer rate p.a.	Purchase rate p.a.	Annual fee	Amount saved
Qudos Bank Visa Platinum Credit Card		4.99% for 5 months	4.99% for 5 months, reverts to 18.99%	$249		Receive a complimentary Qantas Frequent Flyer membership and earn from 1 Qantas Points per $1 spent.	More Info	Compare	loading Fetching your data...
Qudos Bank Lifestyle Credit Card		4.99% for 5 months	4.99% for 5 months, reverts to 12.34%	$0		Includes the ability to make contactless payments with Visa payWave, 24/7 card monitoring services and additional cards for $0.	More Info	Compare	loading Fetching your data...
Qudos Bank Lifestyle Plus Credit Card		4.99% for 5 months	4.99% for 5 months, reverts to 15.85%	$0		Receive up to 46 days interest-free on purchases, special offers from Visa Entertainment and payWave capabilities.	More Info	Compare	loading Fetching your data...

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Types of Qudos Bank Credit Cards

Low rate credit cards

The Qudos Bank Lifestyle Credit Card is a low rate credit card that also offers no annual fee for life. Outside of any promotions, it charges a variable interest rate of 12.34% p.a. for all transactions. Unlike some low rate credit cards, it does not offer interest-free days on purchases if you pay off your balance in full each month. So if you think there will be times when you don't carry a balance, you may want to compare other low rate credit cards that do give you the option of interest-free days. You can also learn more about how interest-free days work to decide if it's a feature you'll actually use.

No annual fee credit cards

The Qudos Bank Lifestyle Plus Credit Card is a no annual fee credit card. It has a variable interest rate of 15.85% p.a., which is a little higher than the Lifestyle credit card but still competitive with other no annual fee cards. It also offers up to 46 days interest-free on purchases when you pay your entire balance by the due date on each statement.

Platinum credit cards

The Qudos Bank Visa Platinum Credit Card has an annual fee in line with other platinum rewards or frequent flyer credit cards and offers a competitive 1 Qantas Point per $1 spent up to $2,500 for each statement period, and 0.5 Qantas Points per $1 spent for the rest of the statement period. You can also earn 1 extra Qantas Point per $1 spent on Qantas services and products. Other platinum perks on this card include complimentary travel insurance and a 24/7 concierge service that can help you with tasks such as booking travel or dining, planning events or sourcing gifts. Remember to look at the perks of other platinum credit cards to help decide if this card fits with what you want.

The benefits of banking with a Qudos Bank credit card

• Qantas Points

The Qudos Bank Visa Platinum Credit Card rewards you with 1 Qantas Point per $1 spent on eligible purchases and 1 extra Qantas Point per $1 spent on Qantas products and services. This can help boost your Qantas Points balance both on the ground and in the air.

• Free Qantas Frequent Flyer membership

Complimentary Qantas Frequent Flyer membership is an included benefit for Qudos Bank Visa Platinum cardholders. The frequent flyer program usually costs $99.50 to join.

• Visa benefits

You can use a Qudos Bank Visa credit card at the shops, online or over the phone with any business that accepts Visa cards. You can also enjoy exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks, with the latest offers listed on the Visa Australia website.

• Account access

Check your account balance, change your PIN, report a lost or stolen card and update other details through the Qudos Bank App or Internet banking service. You can also use the phone banking service by calling 1300 360 865, or visit a Qudos Bank branch in Sydney, Melbourne, Brisbane or Perth.

• Contactless payments

If you have Apple Pay or Google Pay, you can add a Qudos Bank credit card and make contactless payments straight from your mobile phone or device. You also have the option of tapping to pay with your actual Qudos Bank credit card when you're shopping in-store.

• Security

Qudos Bank credit cards offer ORION 24/7 account protection services to help keep you safe from fraud. You also get access to Visa's worldwide emergency hotline for lost or stolen cards, as well as the Visa zero liability policy to help keep your money safe if fraud does occur.

How to apply for Qudos Bank credit cards

You can apply for a Qudos Bank credit card online by filling in a secure application form on the bank's website. Before you apply, make sure you meet the following eligibility requirements and have the required documents handy.

Eligibility criteria

• Age. You must be at least 18 years of age.
• Australian residency status. You must be an Australian citizen or permanent resident.
• Employment. You must currently have paid employment.
• Credit history. You must not have any history of bankruptcy.

Documents and Details

• Personal details. This includes your full name, date of birth, residential address, email address and contact number. If you're not a current Qudos Bank member, you'll need to verify your ID by providing details from your driver’s licence, Medicare card or passport.
• Employment details. As well as your salary, you'll need to provide details about your occupation, length of employment and your employer's contact details. You may also need to provide recent payslips or bank statements to help verify these details.
• Financial details. This covers any other forms of income, as well as savings, investments, other assets and your existing cards, loans or other debts. You also need to provide an estimate of your share of regular household spending.

Once you have started the application, you have the option of saving it and returning at another time. Qudos Bank may also follow up on incomplete applications. If you have any questions before you apply or if you want to check the application status after you've submitted it, call Qudos Bank on 1300 747 747.

Frequently asked questions

• How can I transfer my credit card debt to a Qudos Bank credit card?

  When you apply for a Qudos Bank credit card, you can include details of your existing debt and request a balance transfer to the new card. Keep in mind that balance transfers are subject to lending criteria and approval. You can learn more about balance transfers and compare other options in this guide.

• How do I activate the complimentary international travel insurance?

  The Qudos Bank Visa Platinum credit card offers complimentary international travel insurance in conjunction with Allianz Australia Insurance Limited. You are covered by the insurance when you use the Visa Platinum credit card for at least 50% of your prepaid overseas travel expenses. For example, paying for your flights and/or accommodation.

  Spouses and dependent children are also covered if their prepaid travel expenses have also been purchased with the card and they’re travelling with the primary cardholder for the duration of the trip. Note that the cover doesn’t apply until you leave Australia. Make sure you read the insurance booklet (available on the Qudos Bank website) to get full details of when cover applies and what's required to make a claim.

• What purchases earn reward points?

  If you have a Qudos Bank Visa Platinum credit card, you can get rewarded with Qantas Points when you make an eligible purchase. Eligible purchases cover most of your day-to-day credit card transactions, including groceries, petrol, plane tickets and food delivery. Transactions that don't earn points include balance transfers, cash advances and BPAY payments.

• How can I make a repayment to my Qudos Bank credit card?

  When you get your credit card statement, you'll see details of your repayment options, including the different ways to pay. If you have questions about your account or repayments, visit a Qudos Bank branch or call 1300 747 747.

• How can I get an additional Qudos Bank credit card for a family member?

  You can add an additional cardholder to your account when you apply for a Qudos Bank credit card. Alternatively, you can download, complete and return an additional cardholder application form, available on the Qudos Bank website.

  Additional cardholders must be over the age of 16 and the primary cardholder (you) will be liable for all transactions made on the account. The credit limit is shared between cards, but each card has a unique card number and PIN so you can easily identify spending for each card when you view your statement. If you want to cancel an additional card, you need to let Qudos Bank know in writing.

• How can I cancel my Qudos Bank credit card?

  If you want to completely close your account, download and fill in the credit card closure form that's available on the Qudos Bank website (in the Applications & Forms section). Note that you'll need to settle the account's entire balance before it can be fully closed.

  If your card is lost or stolen and you want to cancel it, then get a new one, report the issue through Internet banking, the Qudos App or by calling Qudos Bank on 1300 747 747 (during business hours) or 1800 621 199 (a 24/7, toll free number).

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