In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Qudos Bank Visa Platinum Credit Card

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Qudos Bank Visa Platinum Credit Card
Terms and conditions apply
Purchase rate for the first 5 months (reverts to 19.49%)
4.99% p.a.
Reward point per $ spent
1
Annual fee
$199 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Reduce your interest costs with a low introductory purchase interest rate and earn Qantas Points as you spend.

The Qudos Bank Visa Platinum credit card is suited to people who want to earn points while saving on interest costs. This card offers a competitive points earn rate, but you should consider how the reduced earn rate after you spend $2,500 each month could impact your overall points potential. This card charges a relatively high annual fee, especially when compared to other Qantas Frequent Flyer credit cards that offer bonus points as well as competitive earn rates. Make sure that you’re taking full advantage of the rewards and card features to help outweigh this cost.

Pros

  • 4.99% p.a. for 5 months on balance transfers, purchases and cash advances
  • Complimentary overseas travel insurance
  • Free additional cardholder

Cons

  • The $2,500 spend cap before the lower earn rate kicks in is relatively low
  • High standard annual fee of $199 p.a.
  • Relatively high 19.49% interest rate
  • No interest-free offer on purchases or balance transfers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Qudos Visa Platinum Credit Card rewards you with 1 Qantas Point per $1 spent on eligible purchases up to $2,500 per calendar month and 0.5 Qantas Points per $1 spent after that. You’ll pick up 1 extra Qantas Point per $1 spent on Qantas services and products. You can also save with complimentary overseas travel insurance and a low introductory rate of 4.99% p.a. for 5 months on purchases, cash advances and balance transfers.

Details

Product details

Product Name Qudos Bank Visa Platinum Credit Card
Balance transfer rate p.a. 4.99% for 5 months, then 19.49%
Purchase rate p.a. 4.99% for 5 months, then 19.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 19.49%
Min credit limit $6,000
Max credit limit $20,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Rewards program Qantas Frequent Flyer
Bonus points N/A
Rewards points per $ spent 1

Fees

Annual fee $199
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee 3.65%
Overseas cash advance fee $175
Additional cardholder fee $0

How to apply

You can apply for the Qudos Bank Visa Platinum credit card online. Before you get started, check if you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Age. You must be over 18 years of age.
  • Residency. You must be an Australian resident.

Card benefits

  • Earn Qantas Points. You'll earn 1 Qantas Point per $1 spent up to $2,500 per month and 0.5 points after that. You'll also score 1 additional point per $1 spent on eligible Qantas products and services in Australia. If you're not already a Qantas Frequent Flyer, you can join and save the $99.50 membership fee with this card.
  • Introductory interest rates. You can cut interest costs with a low introductory rate of 4.99% p.a. on purchases, cash advances and balance transfers for the first 5 months. A 19.49% p.a. interest rate applies to any debt at the end of the introductory period.

Rates & fees

  • Annual fee. This card charges a $199 p.a. annual fee.
  • Interest rates. Outside of any introductory offers, your purchases will attract a 19.49% p.a. interest rate.

Your reviews

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Sally Finder

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John

July 17, 2023

does this card offer extended warranty coverage on purchases?


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Elizabeth Barry Finder

July 28, 2023

Hi John,


No, this is not currently a benefit of the card. This card offers complimentary international travel insurance.


I hope this helps,


Elizabeth


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Levo

June 12, 2016

Are Qantas points earnt on Bpay payments?


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Ysa Finder

June 14, 2016

Hi Levo,


Thanks for your question.


Unfortunately, you would not be able to accrue Qantas points on BPay transactions.


Cheers,

Ysa


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Ally

December 01, 2015

Can I apply for this card? My income is a $20,600 per year pension


Avatar

Sally McMullen Finder

December 02, 2015

Hi Ally,


Thanks for your question. The Qantas Credit Union Visa Platinum card doesn’t list a set minimum income requirement. Instead, they’ll assess your application based on a few factors including income and credit history.


Before applying, you may wish to get in touch with the Qantas Credit Union customer service team to discuss your likelihood of approval.


I hope this has helped.


Cheers,


Sally


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Jenny

May 04, 2015

Is this uncapped please? Also, is it still 1 pt per $ for ATO, insurance, electricity, etc.?


thanks


Avatar

Jonathan Finder

May 04, 2015

Hi Jenny, thanks for your inquiry!


The points earnings on this card are uncapped. Unfortunately any fee or charge, including any government charges and cash advances (bill payments) are exempt from points accumulation.


Cheers,


Jonathan


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Paul

April 07, 2015

can you direct debit from a combank account to pay monthly balance


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Jonathan Finder

April 08, 2015

Hi Paul, thanks for your inquiry!


Direct debit is supported from any account of your choice, including Commonwealth Bank accounts.


Cheers,


Jonathan


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