Qudos Bank Credit Cards

You will have to activate the card when it arrives before you are able to use that card. You can activate your Qudos Bank credit card by logging into online banking, calling them on 1300 747 747, or visiting them in a branch with your card.

You can manage your Qudos bank credit card through their mobile banking app or by using online banking. Mobile and online banking with Qudos Bank lets you manage your transaction history, view account balances, activate and deactivate new cards, and more.

When interest is charged

Interest is charged when you carry a balance on your Qudos Bank credit card. Interest is charged on balance transfers from the date of the transfer and cash advances from the date of withdrawal.

When interest is?not?charged

Up to 46 or 55 days interest-free days can apply on purchases depending on your choice of card, if your account is paid in full by the due date each month. No interest-free days are eligible for holders of the Lifestyle credit card.

For more information about interest-free days,?check out our article on how they work.

Your credit limit for a Qudos Bank?credit card will be determined based on the information you provide in your application, with minimum and maximum credit limits applying to each card (see above).

You can apply to change your credit limit at any time by contacting them, and they may approve or reject requests at their discretion based on their lending criteria. Find out more about how credit limits are determined here.

You can close your Qudos Bank credit card at any time by contacting them, but you must repay any outstanding balance even after cancelling. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, rather than cancelling your card you can contact the Qudos Bank financial hardship team on 1300 747 747 to ask about potential solutions.

If however, you’re cancelling because of dissatisfaction with your Qudos Bank credit card, then why not compare other credit cards on the market using the Canstar website:

Compare Credit Cards

Qudos Bank was founded in 1959 by 14 Qantas employees as the Qantas Staff Co-operative Credit Union. Initially restricted to only Qantas employees, in 1996 membership was extended more generally to the Australian public.

The Credit Union was rebranded Qudos Bank in 2016, to reflect its move from a Qantas employee only organisation. Today Qudos Bank has over 100,000 members and assets totalling more than $3.35 billion.

As a customer-owned bank, all profits go back to members in the form of competitive rates and fees. Qudos Bank publishes a weekly competitor weekly report, to prove it can beat the big 4 banks when it comes to loan and deposit accounts.

Qudos Bank are also one of the only financial institutions in the country that rewards members with Qantas points, due to their close affiliation with the airline.

You can compare other Qudos Bank products on the Canstar website including Qudos Bank home loans, personal loans, savings accounts, term deposits, life insurance, car insurance, and home insurance.