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Qudos Bank Visa Platinum Credit Card
Reduce your interest costs with a low introductory purchase interest rate and earn Qantas Points as you spend.
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.
4.99% p.a.
Purchase rate
for the first 5 months (reverts to 18.99% p.a.)
1
Reward point
Per $ spent
$249 p.a.
Annual fee
55 days
Interest free period
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Details
| Product Name | Qudos Bank Visa Platinum Credit Card |
|---|---|
| Rewards program | Qantas Frequent Flyer |
| Balance transfer rate | 4.99% p.a. for 5 months |
| Balance transfer revert rate | Purchase Rate (18.99% p.a.) |
| Purchase rate | 4.99% p.a. for 5 months, reverts to 18.99% p.a. |
| Annual fee | $249 |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate | 18.99% p.a. |
| Min credit limit | $6,000 |
| Max credit limit | $20,000 |
| Card type | Visa |
| Foreign currency conversion fee | 3.65% |
| Available to temporary residents | No |
|---|---|
| Joint application | No |
Pros
- 4.99% for 5 months on balance transfers, purchases and cash advances
- Complimentary overseas travel insurance
- 24/7 worldwide Visa Premium Concierge Service
- Free additional cardholder
Cons
- High standard annual fee of $249 p.a.
| Rewards program | Qantas Frequent Flyer |
|---|---|
| Bonus points | N/A |
| Rewards points per $ spent | 1 |
| Annual fee | $249 |
|---|---|
| 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 |
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
Expert review
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.
