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Qudos Bank is a customer-owned bank that was founded in 1959 by Qantas employees, but anyone can apply for its products and accounts. It offers 3 credit cards, with a choice of low-cost features or Qantas Points and platinum perks.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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 12.84% p.a. for all transactions. But unlike some low rate credit cards, it doesn't offer interest-free days on purchases.
No annual fee credit cards
The Qudos Bank Lifestyle Plus Credit Card has no annual fee and a variable interest rate of 16.35% p.a., which is 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.
Frequent flyer 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 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 perks 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.
Benefits of a Qudos Bank credit card
Free Qantas Frequent Flyer membership
If you choose the Qudos Bank Visa Platinum Credit Card, you can get complimentary Qantas Frequent Flyer membership. This saves $99.50 on the usual joining fee and allows you to earn Qantas Points per $1 of eligible spending with the card.
Visa benefits
You can use a Qudos Bank credit card at the shops, online or over the phone with any business that accepts Visa cards. You also get access to deals on shopping, dining, entertainment and travel through Visa Offers + Perks, with the latest offers listed on the Visa Australia website.
Account access
You can 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 and digital wallets
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
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.
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.
Credit card brands similar to Qudos Bank
If you want frequent flyer rewards or customer-owned banking benefits, here are 3 other credit card providers you could compare with Qudos Bank:
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.
The Qudos Bank Visa Platinum Credit Card offers complimentary international travel insurance, which is provided by Allianz. To get cover, you need to meet these requirements:
Be a permanent resident in Australia
Use the card to pay for at least $500 of your overseas travel booking before you leave
Have a return overseas travel ticket to and from Australia before your trip starts
Be aged under 81 years at the time you become eligible for cover
As with any insurance policy, there are different requirements, benefits and claim details to consider. So make sure you check the insurance policy document available on the Qudos Bank website to decide if this cover is suitable.
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.
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.
You can close your account through the Qudos Bank app or internet banking. Note that you'll need to settle the account's entire balance before it can be fully closed.
Contact details and related links
Qudos Bank phone number: 1300 747 747
Lost and stolen cards 24/7 phone number: 1800 621 199
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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