Qudos Bank Credit Cards
Compare credit cards
If you’re considering a Qudos Bank credit card, then have a look at what they have available in the table below based on a monthly spend of $2,000.
Types of Qudos Bank credit cards
At the time of writing, Qudos Bank offers three different credit cards:
- Qudos Bank Lifestyle credit card
- Qudos Bank Lifestyle Plus credit card
- Qudos Bank Visa Platinum credit card
We have summarised below some of the key features of these cards, according to the information available on Qudos Bank’s website at the time of writing.
Qudos Bank Lifestyle credit card
Features
- Card type: Visa
- Annual fee: $0
- Minimum credit limit: $1,000
- Maximum credit limit: $20,000
- Interest-free days: 0
- Contactless: Contactless payments enabled via Visa payWave
- Security: ORION 24/7 card protection monitoring services
Qudos Bank Lifestyle Plus credit card
Features
- Card type: Visa
- Annual fee: $0
- Minimum credit limit: $1,000
- Maximum credit limit: $20,000
- Interest-free days: Up to 46
- Contactless: Contactless payments enabled via Visa payWave
- Security: ORION 24/7 card protection monitoring services
Qudos Bank Visa Platinum credit card
Features
- Card type: Visa
- Annual fee: $249
- Minimum credit limit: $6,000
- Maximum credit limit: $20,000
- Interest-free days: Up to 55
- Rewards: Earn 1 Qantas Point for every $1 spent on eligible purchases (up to $2,500), and 1 extra point for every $1 spent on selected Qantas products. Complimentary Qantas Frequent Flyer membership
- Insurance: Complimentary overseas travel insurance
- Concierge: 24/7 worldwide Visa Premium concierge service
- Contactless: Contactless payments enabled via Visa payWave
- Security: ORION 24/7 card protection monitoring services
Eligibility to apply for Qudos Bank credit cards
In order to apply for a Qudos Bank credit card, you must meet the following eligibility criteria:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Be in current paid employment
- Not declared bankrupt
How to apply for a Qudos Bank credit card
If you meet the criteria above, then you can apply for a Qudos Bank credit card either online or by filling out a credit card application form and handing it into a local branch. You will need to have the following documentation on hand when applying for a Qudos Bank credit card:
- Your employment details
- Your annual income
- Your usual living expenses
- Your current living situation, such as your address and the number of dependents you have
- Details about assets you own such as a home, car, other belongings, or savings
- Any debts you currently owe on other credit cards, loans, or overdrafts
If you are not an existing Qudos Bank member, you’ll need to verify your identity by providing your driver’s license, Medicare card, or passport.
Read our checklist on applying for a credit card for a more detailed explanation of how the process works.
Qudos Bank Credit Card FAQs
You will have to activate the card when it arrives before you are able to use it. You can activate your Qudos Bank credit card by logging into online banking, calling them, or visiting them in a branch with your card.
You can manage your Qudos bank credit card through either mobile or 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.
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 request to change your credit limit at any time by contacting Qudos Bank, and they may approve or reject requests at their discretion based on their lending criteria.
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, contact the Qudos Bank financial hardship team to ask about potential solutions.
If however, you’re cancelling because you’re not satisfied with your Qudos Bank credit card, consider your other options when it comes to credit cards:
Compare Credit CardsOriginally the Qantas Credit Union, Qudos Bank was established in 1959 by 14 Qantas employees. Now, Qudos Bank says it has a membership of over 94,000 and assets of $3.76 billion. Qudos Bank says it is one of the only financial institutions in Australia that rewards its members with Qantas Points on a range of banking products.
