Qudos Bank credit cards

Qudos Bank
Qudos Bank's overall rating for credit cards

(as rated by the Mozo community)

7.3 / 10

based on 31 reviews

From the lender formerly known as Qantas Credit Union, now known as Qudos Bank, comes a range of fantastic credit card options for every budget and spending style. We’ve done the legwork and collected all the details, so you can make an informed decision on which one is right for you.

Rates and fees verified as correct at 14 November, 2018. Other information correct at the time of writing.

What credit cards do Qudos Bank offer?

Low rate credit cards Low rate credit cards

Do you sometimes neglect making your credit card repayments? With a low rate credit card from Qudos Bank, it’s not the end of the world. Check out this great no-frills, low cost spending option below:

Product Purchase rate Balance transfer rate Annual fees Interest free days

4.99% p.a. for 5 months then 12.34% p.a.

4.99% p.a. for 5 months and then 12.34% p.a.

$0

0


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Low fee credit cards Low fee credit cards

Similar to the low rate card, this option from Qudos Bank is also a budget friendly credit card. The main difference here is that in return for slightly higher interest rate, you’ll get some interest free days - a must for anyone wanting to keep costs under control while flashing their plastic!

Product Purchase rate Balance transfer rate Annual fees Interest free days

4.99% p.a. for 5 months then 12.34% p.a.

4.99% p.a. for 5 months and then 12.34% p.a.

$0

0

4.99% p.a. for 5 months then 15.85% p.a.

4.99% p.a. for 5 months and then 15.85% p.a.

$0

46


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Rewards credit cards Rewards credit cards

No surprise from a lender that sed to be named Qantas Credit Union - you'll earn some serious Qantas points with this piece of plastic. Not as wallet friendly as it could be, but certainly not a bad choice as far as rewards credit cards go!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

4.99% p.a. for 5 months then 18.99% p.a.

4.99% p.a. for 5 months and then 18.99% p.a.

$249


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Prestige cards Prestige cards

Feeling a little bit fancy? Make your shopping trip a luxury affair with a prestige card from Qudos Bank. Although you'll pay a considerable annual fee and interest rate, this card packs a punch in the rewards department, not to mention premium perks like free travel insurance.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

4.99% p.a. for 5 months then 18.99% p.a.

4.99% p.a. for 5 months and then 18.99% p.a.

$249


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Frequent flyer credit cards Frequent flyer credit cards

Frequent flyer? Opt for the premium credit card on offer from Qudos Bank and earn Qantas points when you spend. This one's not quite so wallet-friendly as the other options on offer here, but as far as rewards cards go, it’s a cost-effective choice with some solid points earning power.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, uncapped

4.99% p.a. for 5 months then 18.99% p.a.

4.99% p.a. for 5 months and then 18.99% p.a.

$249


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Qudos Bank credit cards

How does the interest free period on my Qudos Bank credit card work?

At the beginning of your credit card statement cycle - usually at the beginning of the month - your interest free period will also begin. On a Qudos Bank credit card, this zero interest period lasts 55 days for the premium credit card option, or 46 days for the Lifestyle Plus card. If you’ve opted for the low rate Lifestyle card, that great low interest rate is offset by the fact that you won’t get any interest free days.

During this period, you won’t be charged interest on any purchases - but keep in mind that if you make purchases late in the statement cycle, you’ll have less days to pay off your balance before it starts to attract interest.

What fees might I be charged?

The only Qudos Bank credit card that will hit you with an annual fee is the premium option, but that does include a complimentary membership to the Qantas frequent flyer program. Apart from that, you’ll pay a cash advance fee and foreign exchange margin on all credit cards, and the best news? No late payment fee.

What’s the minimum repayment amount I must make?

It’s always a good idea to pay as much off your credit card balance as possible - that way you can avoid being charged interest and keep your interest free days for the next month.

But if you are just paying the minimum off your balance each month, it will be either $20 or 2% of your closing balance, whichever is the higher amount.

What rewards will I earn with my Qudos Bank credit card?

With a Qudos credit card, rewards are all about earning Qantas frequent flyer points. You’ll earn 1 point for every $1 you spend, but remember that balance transfers, cash advances and fees don’t count, and you won’t earn points on them at all. When you spend on Qantas products, like flights, you’ll supersize your rewards earning power, earning 2 points for ever $1.

Points will automatically be credited to your Qantas frequent flyer account - and membership is included in the annual fee of your Qudos credit card. These points are uncapped and don’t expire, so you can save up and redeem them for something you really want.

You can redeem frequent flyer points for great stuff like flights, upgrades, accommodation or products from the Qantas store. 

Can I use my Qudos Bank credit card for a balance transfer?

You can, but here’s the catch. Unlike a lot of other balance transfer offers, your Qudos Bank credit card doesn't come with a 0% interest period for transferred balances. Instead, you get a short period of a super low rate, which then reverts back to the regular rate if you still have a balance owing.

While you may prefer to opt for a different balance transfer which will give you that much appreciated interest free period, a Qudos card might be a good option if you don’t think you’ll pay your balance off in a regular balance transfer period anyway. That way, you can opt to pay the reasonable revert rate on your Qudos card, rather than a high cash rate, which many other cards revert to when their interest free period is over. 

Will my Qudos Bank credit card work overseas?

Accepted at over 24 million places worldwide - anywhere VISA is accepted - your Qudos Bank credit card is a traveller's best friend! 

Can I use payWave with my Qudos Bank credit card?

It wouldn’t be credit card convenience these days without the ability to make contactless payments! You can use your Qudos Bank credit card with the VISA payWave system for buys under $100. There is a cut off though - you can’t use your Qudos credit card to payWave more than 5 purchases or above the value of $200 in a single day.

How is my Qudos Bank credit card protected from credit card fraud?

Although credit card fraud remains a risk you take when using a credit card to spend, the good news is that Qudos Bank is committed to your security. This includes data encryption and firewalls for your online banking.

One important thing to remember about using your Qudos Bank credit card is that Qudos will never send you an email requesting your secure details, including:

Your internet banking login details or card details

Your passwords or PIN number

You also shouldn’t receive any emails asking you to follow a link to login to your online banking. Emails like this are often a good way to identify a scam - don’t reply to them and let Qudos Bank know about them as soon as you can.

How are Qudos Bank credit cards rated?

Mozo users have rated Qudos Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Qudos Bank credit cards

Overall 7.3

Price

Features

Customer service

Convenience

Trust

31 Reviews

Recent Qudos Bank credit card reviews Recent Qudos Bank credit card reviews

Qudos Bank

Qudos Bank Lifestyle Plus credit card review

Overall rating   10 / 10

Great customer service

Excellent customer service and always follows through.

Full review

Excellent customer service and always follows through.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Nicole, Queensland, reviewed about 3 years ago

Qudos Bank

Qudos Bank credit card review

Overall rating   8 / 10

Feels like a family bank

Very happy with service and interest rate on cc. Just wish there were more banks available to go to.

Full review

Very happy with service and interest rate on cc. Just wish there were more banks available to go to.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   9 / 10

Less

Joseph, Victoria, reviewed over 3 years ago

Qudos Bank

Qudos Bank Lifestyle credit card review

Overall rating   3 / 10

Uncompetitive

No features/rewards and high interest.

Full review

No features/rewards and high interest.

    Price   3 / 10

    Features   1 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   4 / 10

Less

Catherine, New South Wales, reviewed over 3 years ago

Qudos Bank

Qudos Bank credit card review

Overall rating   10 / 10

Great customer service and rate

There is no credit union in canberra.

Full review

There is no credit union in canberra.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   2 / 10

    Trust   10 / 10

Less

Kaylene, Australian Capital Territory, reviewed over 3 years ago

Qudos Bank

Qudos Bank Visa Platinum Credit Card credit card review

Overall rating   9 / 10

Good product covers all bases

Good

    Price   5 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Julie, New South Wales, reviewed over 3 years ago

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What do you need to apply for a Qudos Bank credit card? What do you need to apply for a Qudos Bank credit card?

When applying for a credit card, you’ll need to be at least 18 years old. You’ll also need to have on hand your:

  • Income and employment details
  • Asset details, including properties, savings, vehicles and superannuation plus an estimate of their value
  • Details of liabilities or debts, including balances, repayments and credit limits

An I.D. check is mandatory, so make sure you’ve got a driver’s licence, passport or medicare card handy as well. 

Want to know more about applying for a credit card? Check out our guide, here.

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