Qudos Bank Visa Platinum Credit Card
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
Qantas Frequent Flyer
Qudos Bank Visa Platinum Credit Card
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
Qantas Frequent Flyer
Qudos Bank Visa Platinum Credit Card
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
Qantas Frequent Flyer
Mozo Review Qudos Bank Visa Platinum Credit Card Review
Last updated: 14 September 2018.
What's hot:
4.99% intro rate (first 5 months)
Earn up to 2 Qantas points per $1 spent
55 interest free days
What's not:
18.99% standard interest rate
$249 annual fee
Mozo snapshot:
Qudos Bank prides itself on offering customers "a great deal more" and they've hit a home run with the Visa Platinum credit card. The "great deal more" comes in the shape of a 4.99% intro rate for the first 5 months, inbuilt Qantas Frequent Flyer membership, and a reward points earning rate of up to 2 Qantas points for every $1 you spend.
Key features:
You don't have to be a Qantas employee to apply for the Visa Platinum credit card. It has a 55 day interest free period and an intro purchase rate of 4.99% and comes with a free Qantas Frequent Flyer membership saving you $89.50. To keep a smile on your face stay on top of your repayments because that sweet 4.99% intro rate reverts to a much higher 18.99% standard interest rate after the first 5 months. You'll also want to watch out for the $249 annual fee.
You will earn 1 Qantas Point for every $1 spent up to $2,500 spend per month then 0.5 Qantas Points per $1 thereafter, and an additional 1 Qantas Point for every $1 spent on Qantas products and services. Get the most out of the Visa Platinum credit card by giving the free additional credit card to a shopaholic family member (we all have one!) and you'll accumulate those juicy Qantas Points before you know it.
The platinum treatment doesn't stop there. Free travel insurance makes this credit card truly customer friendly and the 24/7 worldwide visa platinum concierge service and access to USA platinum entertainment offers will make you feel like a real high flyer!
Who it's good for:
The Qudos Bank Visa Platinum Credit Card is a dream for a regular shopper looking to get some real bite out of the Qantas Frequent Flyer program.
Any catches?
If you're thinking of using the free travel insurance included with the credit card it's important to be aware that the travel medical coverage caps out at $500,000. This shouldn't be a deal breaker but if you're travelling to the United States or Japan you might want to also look into standalone travel insurance.
You'll also want to make sure you're clocking up enough rewards on your typical spend to make the $249 annual fee worthwhile.
Rewards program details
Rates and fees information correct as at 19 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.What your points get you
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
18,040 points
$100 Cash
-
Points earning
1 point per dollar on Visa, up to $2,500 per month, then
0.5 points per dollar on Visa, up to $16,666 per month
Rewards scheme
Earn points via eligible flights and transactions. Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.
2 Qantas points for every $1 spent on Qantas products and services.
Value of rewards points
Spend $18,040 (Visa)
Spend $8,000 (Visa)
Spend $190,800 (Visa)
at $16,666 monthly
Never
How do we calculate these points?
How do we calculate the rewards?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
Rate and fee details
Rates
-
18.99% p.a.
-
4.99% p.a. for 5 months
-
4.99% p.a. for 5 months and then 18.99% p.a.
-
no
-
18.99% p.a.
-
55
Fees
-
$249.00
-
none
-
none
-
$0.00
-
$0.00
-
$5.00
-
3.65%
-
$5.00
-
$0.00
-
$0.00
Features
-
$20.00
-
2.0
-
1
-
Qantas Points are capped at a maximum of $200,000 of eligible purchases for each 12 month period from when the account is opened.
Rewards privileges
Concierge,
Travel Insurance
Customer Reviews
How are Qudos Bank credit cards rated by the Mozo community?
Latest reviews of Qudos Bank Visa Platinum Credit Card
- Overall9/10
Good product covers all bases
Good
Read full review
Good
Price5/10Features6/10Customer service8/10Convenience7/10Trust9/10Less
Julie | New South Wales
reviewed over 4 years ago
- Overall7/10
It's OK
No real comment
Read full review
No real comment
Price5/10Features5/10Customer service5/10Convenience5/10Trust7/10Less
Neville | Queensland
reviewed almost 5 years ago
- Overall0/10
Poor Customer Service and Weak System
If you are looking for a credit union that has poor customer service, slow response times,...
Read full review
If you are looking for a credit union that has poor customer service, slow response times, antiquated systems and can't handle the volume of customers they are recruiting off the back of the trusted Qantas name, you have found the right credit union for you! Like most Australians I never write reviews, but the service (or lack of) that I have recieved from the Qantas Credit Union since taking up their Platinum Visa Card some six months ago has been less than impressive. If you don't believe me, ring their customer service line. If you get through in under 15 minutes, go and buy a lottery ticket! Do yourself a favour. Give them a miss, it's not worth the hours of follow up and time wasted on hold to get things done.
Price0/10Features0/10Customer service0/10Convenience0/10Trust0/10Less
David | New South Wales
reviewed over 5 years ago
- Overall10/10
Great features
I love Qantas CU because they have always looked after me with regard to my financial needs. The...
Read full review
I love Qantas CU because they have always looked after me with regard to my financial needs. The staff there are always professional, polite and always willing and wanting to assist you further.
Price8/10Features10/10Customer service10/10Convenience8/10Trust10/10Less
Kal | New South Wales
reviewed over 5 years ago
About Qudos Bank
Qudos Bank (previously Qantas Credit Union) is a customer owned bank and was established in 1959. Qudos Bank has an A2 investment grade rating and offers a full range of banking products including credit cards, home loans, personal loans and saving accounts.
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
19.99% p.a.
$49 $29 in the first year
Promoted
Citi
Rewards Platinum Credit Card (Balance Transfer)
0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
21.49% p.a.
$199 $0 in the first year
Promoted
American Express
Qantas Ultimate Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$450
Promoted
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
19.99% p.a.
$299 $199 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Promoted
Citi
Rewards Platinum Credit Card (Bonus Points)
0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)
21.49% p.a.
$149 $49 in the first year
Promoted
Qantas Money
Qantas Premier Platinum
1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped
19.99% p.a.
$299 $199 in the first year
Promoted
American Express
Qantas Ultimate Card
1.25 points per dollar on Amex, uncapped
20.74% p.a.
$450
Promoted
Citi
Rewards Platinum Credit Card (Bonus Points)
1 point per dollar on Visa, up to $10,000 per month
21.49% p.a.
$149 $49 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129 $64 in the first year
Promoted
ANZ
Frequent Flyer Black
1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped
20.24% p.a.
$425
Promoted
Qantas Money
Qantas Premier Everyday
0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped
19.99% p.a.
$49 $29 in the first year
Promoted
Citi
Platinum Credit Card (Purchase Rate)
1 point per dollar on Visa, up to $10,000 per month
21.49% p.a.
$149 $49 in the first year
Promoted
American Express
Velocity Escape Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
Citi
Rewards Platinum Credit Card (Balance Transfer)
0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
$199 $0 in the first year
21.49% p.a.
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
$49 $29 in the first year
19.99% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
0% p.a. for 14 months then 20.74% p.a.
Promoted
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
$299 $199 in the first year
19.99% p.a.
Promoted
Citi
Platinum Credit Card (Purchase Rate)
0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)
$149 $49 in the first year
0% p.a. for 13 months then 21.49% p.a.
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 22 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
0% p.a. for 12 months then 19.99% p.a.
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Citi
Clear Platinum Credit Card
0% p.a. for 9 months then 14.99% p.a.
$99 $0 in the first year
0% p.a. for 9 months and then 22.24% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
0% p.a. for 6 months and then 20.99% p.a.
Promoted
Bankwest
Breeze Platinum Mastercard
9.90% p.a.
$99 $0 in the first year
0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)
Promoted
NAB
Low Fee Card
19.74% p.a.
$30
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Promoted
Citi
Clear Platinum Credit Card
0% p.a. for 9 months then 14.99% p.a.
0% p.a. for 9 months and then 22.24% p.a.
$99 $0 in the first year
Promoted
Citi
Platinum Credit Card (Purchase Rate)
0% p.a. for 13 months then 21.49% p.a.
0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)
$149 $49 in the first year
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 22 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
HSBC
Platinum Credit Card
0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 12 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
