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Qudos Bank Visa Platinum Credit Card

Sally McMullen
Sally McMullen
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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 (Visa/Mastercard)

$249 p.a.

Annual fee

55 days

Interest free period

Details

Product NameQudos Bank Visa Platinum Credit Card
Rewards ProgramQantas Frequent Flyer
Balance transfer rate4.99% p.a. for 5 months
Balance Transfer Revert RatePurchase Rate (18.99% p.a.)
Purchase rate (p.a.)4.99% for 5 months, reverts to 18.99% p.a.
Annual fee$249 p.a.
Interest Free Period55 days
Cash advance rate (p.a.)18.99% p.a.
Min credit limit$6,000
Max credit limit$20,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3.65% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

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 ProgramQantas Frequent Flyer
Rewards Points per $ spent (Visa/Mastercard)1
Annual fee$249 p.a.
Minimum Monthly Repayment2% of the closing balance or $20, whichever is greater
Foreign Currency Conversion Fee (Visa/Mastercard)3.65% of transaction value
Overseas Cash Advance Fee$175
Additional Cardholder Fee$0

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

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.

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 18.99% p.a. interest rate applies to any debt at the end of the introductory period.

Rates & fees

  • Annual fee. This card charges a $249 p.a. annual fee.
  • Interest rates. Outside of any introductory offers, your purchases will attract a 18.99% p.a. interest rate.

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35 Comments

  1. Default Gravatar
    Levo
    June 12, 2016

    Are Qantas points earnt on Bpay payments?

    Reply
    • AvatarStaff
      Ysa
      June 15, 2016

      Hi Levo,

      Thanks for your question.

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

      Cheers,
      Ysa

      Reply
  2. Default Gravatar
    ally
    December 1, 2015

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

    Reply
    • AvatarStaff
      Sally
      December 2, 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

      Reply
  3. Default Gravatar
    Jenny
    May 4, 2015

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

    thanks

    Reply
    • AvatarStaff
      Jonathan
      May 4, 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

      Reply
  4. Default Gravatar
    Paul
    April 7, 2015

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

    Reply
    • AvatarStaff
      Jonathan
      April 8, 2015

      Hi Paul, thanks for your inquiry!

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

      Cheers,

      Jonathan

      Reply
  5. Default Gravatar
    Alan
    April 5, 2015

    What it is the detail of the included travel insurance.

    In particular what is the value of hire vehicle liability covered?

    thanks very much

    Reply
    • AvatarStaff
      Jonathan
      April 8, 2015

      Hi Alan, thanks for your inquiry!

      The vehicle rental excess cover for hire cars is up to $3,000. Please refer to the PDF I have sent to your email containing the full details for this travel insurance policy.

      Cheers,

      Jonathan

      Reply
  6. Default Gravatar
    Luke
    April 23, 2012

    So if I keep this card for 6 months then cancel, no joining fee charged upon cancellation?

    Reply
  7. Default Gravatar
    Cheryl
    April 10, 2012

    Points needed for a Syd/Melbourne return trip as stated above are 25000. Can you please tell me how many points I would need for a Sydney to Los Angeles or Sydney to San Francisco trip please.
    Thank you

    Reply
    • AvatarStaff
      Jeremy
      April 27, 2012

      Hi Cheryl,

      Thanks for your question. You will need 48,000 frequent flyer points for a economy class flight from Sydney to San Francisco / Los Angeles flight, zone 8, 7827 miles.

      Cheers.
      Jeremy

      Reply
  8. Default Gravatar
    Mark
    April 10, 2012

    Is an ‘eligible purchase’ any purchase at all for the month?

    Reply
    • AvatarStaff
      Jeremy
      April 27, 2012

      Hi Mark,

      Thanks for your question. An eligible purchase is any purchase at any time of the month that does not include: Balance transfers, Cash advances, Special promotions, Purchases of foreign currency or traveller’s cheques, Business Expenses, BPAY transactions, Any fee or charge, including any government charges or duties and any fee or charge for your membership of and participation in the Qantas Frequent Flyer Program, Interest and finance charges payable or paid on your Card Account, Enforcement expenses, Transactions which are disputed, fraudulent or involve the abuse or unauthorised use of your QSCU Visa Platinum Credit Card, Payments and purchases which are refunded or reimbursed; and Payments made by you to other QSCU loan accounts. Hope this has helped.

      Cheers,
      Jeremy

      Reply
  9. Default Gravatar
    Nick
    April 8, 2012

    do you have to be a member of Qantas Staff Credit Union to apply?

    Reply
    • AvatarStaff
      Jeremy
      April 27, 2012

      Hi Nick,

      Thanks for your question. The Qantas ‘Staff’ credit card is a branding choice meant to convey discounted rates and access to Qantas products and services. You don’t need to work for Qantas to apply for this card. For a list of the eligibility requirements please refer to this page – http://www.qantascu.com.au/apply-online-what-will-i-need-to-apply.html

      Cheers,
      Jeremy

      Reply
  10. Default Gravatar
    Steve
    April 5, 2012

    what does “staff” mean? Is this card available to anybody?

    Reply
    • AvatarStaff
      Jeremy
      April 27, 2012

      Hi,

      Thanks for your question. The Qantas ‘Staff’ credit card is a branding choice meant to convey discounted rates and access to Qantas products and services. You don’t need to work for Qantas to apply for this card. For a list of the eligibility requirements please refer to this page – http://www.qantascu.com.au/apply-online-what-will-i-need-to-apply.html Cheers.

      Jeremy

      Reply
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