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.)


Reward point

Per $ spent

$249 p.a.

Annual fee

55 days

Interest free period

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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 rate4.99% p.a. for 5 months, reverts to 18.99% p.a.
Annual fee$249
Interest-free periodUp to 55 days on purchases
Cash advance rate18.99% p.a.
Min credit limit$6,000
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee3.65%
Available to temporary residentsNo
Joint applicationNo


  • 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


  • High standard annual fee of $249 p.a.
Rewards programQantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$249
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee3.65%
Overseas cash advance fee$175
Additional cardholder fee$0

Review by

Sally 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.

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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    Default Gravatar
    June 12, 2016

    Are Qantas points earnt on Bpay payments?

      Avatarfinder Customer Care
      June 15, 2016

      Hi Levo,

      Thanks for your question.

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


    Default Gravatar
    December 1, 2015

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

      Avatarfinder Customer Care
      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.



    Default Gravatar
    May 4, 2015

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


      Avatarfinder Customer Care
      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.



    Default Gravatar
    April 7, 2015

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

      Avatarfinder Customer Care
      April 8, 2015

      Hi Paul, thanks for your inquiry!

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



    Default Gravatar
    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

      Avatarfinder Customer Care
      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.



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