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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.
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Last updated 12 July 2025
Important disclosures
Qudos Bank credit cards
Lifestyle
Purchase rate
4.99
%
p.a.
For 5 months and then 12.34%
Balance transfer rate
4.99
%
p.a.
For 5 months and then 12.34% p.a.
Annual fee
$0
Rewards program
-
No Partner link
Purchase rate
4.99
%
p.a.
For 5 months and then 12.34%
Intro purchase rate
4.99% p.a.for 5 months
Balance transfer rate
4.99
%
p.a.
For 5 months and then 12.34% p.a.
Annual card fee
$0
Intro fee
-
Interest free days on purchases
Up to 0
Cash advance rate
12.84% p.a.
Cash advance fee
$5.00
Foreign exchange margin
3.65%
Late payment fee
$0.00
Interest free days
Up to 0
Minimum credit limit
$1,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.00%
Additional cardholders
1
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, PayID
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
-
Other restrictions
-
Lifestyle Plus
Purchase rate
4.99
%
p.a.
For 5 months and then 15.85%
Balance transfer rate
4.99
%
p.a.
For 5 months and then 15.85% p.a.
Annual fee
$0
Rewards program
-
No Partner link
Purchase rate
4.99
%
p.a.
For 5 months and then 15.85%
Intro purchase rate
4.99% p.a.for 5 months
Balance transfer rate
4.99
%
p.a.
For 5 months and then 15.85% p.a.
Annual card fee
$0
Intro fee
-
Interest free days on purchases
Up to 46
Cash advance rate
16.35% p.a.
Cash advance fee
$5.00
Foreign exchange margin
3.65%
Late payment fee
$0.00
Interest free days
Up to 46
Minimum credit limit
$1,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.00%
Additional cardholders
1
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, PayID
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
-
Other restrictions
-
Visa Platinum Credit Card
Purchase rate
4.99
%
p.a.
For 5 months and then 18.99%
Balance transfer rate
4.99
%
p.a.
For 5 months and then 18.99% p.a.
Annual fee
$189
Rewards program
Qantas Frequent Flyer
No Partner link
Purchase rate
4.99
%
p.a.
For 5 months and then 18.99%
Intro purchase rate
4.99% p.a.for 5 months
Balance transfer rate
4.99
%
p.a.
For 5 months and then 18.99% p.a.
Annual card fee
$189
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
19.49% p.a.
Cash advance fee
$3.50
Foreign exchange margin
3.50%
Late payment fee
$0.00
Interest free days
Up to 55
Minimum credit limit
$6,000.00
Minimum repayment amount
$20.00
Minimum repayment percentage
2.00%
Additional cardholders
1
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, PayID
Rewards program
Qantas Frequent Flyer
Rewards schemes
1 point per dollar on Visa, up to $2,500 per month, then 0.5 points per dollar on Visa, uncapped
Rewards bonus points
2 Qantas points for every $1 spent on Qantas products and services.
Rewards description
Earn points via eligible flights and transactions. Points are automatically credited to the Qantas Frequent Flyer program.
Rewards flight options
All rewards are redeemed via Qantas Frequent Flyer.
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
Concierge, Travel Insurance
Other benefits
-
Other restrictions
Qantas Points are capped at a maximum of $200,000 of eligible purchases for each 12 month period from when the account is opened.
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