Visa Platinum Credit Card card image
Mini meca 2022

Qudos Bank Visa Platinum Credit Card

Advertiser disclosure
Purchase rate
4.99% p.a. for 5 months then 18.99% p.a.
Balance transfer rate
4.99% p.a. for 5 months and then 18.99% p.a.
Annual fees
Interest free days on purchases

Mozo editorial review Qudos Bank Visa Platinum Credit Card - last updated: 12 April 2021

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What's hot
  • 4.99% p.s. intro rate (first 5 months)
  • Earn up to 2 Qantas points per $1 spent
  • 55 interest free days
What's not
  • 18.99% p.a. 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% p.a. intro rate for the first 5 months (then 18.99% p.a.), inbuilt Qantas Frequent Flyer membership, and a reward points earning rate of up to 2 Qantas points for every $1 you spend. 

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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% p.a. 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% p.a. intro rate reverts to a much higher 18.99% p.a. 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 is it good for

The Qudos Bank Visa Platinum Credit Card could be a dream card for a regular shopper looking to get some real bite out of the Qantas Frequent Flyer program.

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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 29 June 2022. 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

19,010 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 $17,500 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 $19,010 (Visa)

Spend $8,000 (Visa)

Spend $190,800 (Visa)

at $17,500 monthly


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


18.99% p.a.

4.99% p.a. for 5 months

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


18.99% p.a.

















Qantas Points are capped at a maximum of $200,000 of eligible purchases for each 12 month period from when the account is opened.

Payment options

Apple Pay, Google Pay, PayID

Rewards privileges

Travel Insurance

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