Qudos Bank Visa Platinum Credit Card

Name: Qudos Bank Visa Platinum Credit Card
Brand: Qudos Bank

Data last updated 20 July 2026

18.99%

Purchase rate

$189

Annual fee

55 days

Interest-free

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Qudos Bank Visa Platinum Credit Card card

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CardIQ

37Basic

Basic

Overall score, out of 100 · How this works

55 days interest-free45
Balance transfer43
Frequent flyer32
Low rate30
Qantas Points32
Rewards34
Travel42

Customer reviews

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Pros & cons

What's good

Complimentary international travel insurance.
No fee to add an additional cardholder.
Points don't expire while your account is open and in order.

Worth noting

The $189 annual fee is toward the top of the market (the median is $70).
Earns 1 point per $1 on everyday spend, around the dataset average.
The 1-point rate on everyday spend applies only to the first $2,500 spent each month, then drops to 0.5 points per $1.
3.65% foreign transaction fee on overseas spending, at the high end of the market.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Visa
Card use: Personal
Credit limit: $6,000 – $20,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: No
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 18.99% p.a.
Purchases: 18.99% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $189 p.a.
Cash advance fee: —
Foreign transaction fee: 3.65%
Late payment fee: $0

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 2% of the closing balance or $20, whichever is greater

Balance transfers

Can't transfer from: Bank Australia, Qudos Bank
Limit: Up to your available credit limit
Period: 5 months
Promotional rate: 4.99% p.a.
Revert rate: 18.99% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1 pt per $1 up to $2,500 per month
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: 0.5 pts per $1 above $2,500 per month, up to $200,000 per year
Points cap: Uncapped
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: —

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Interest-free days55 daysTop 10% (6th of 192 cards)

Rewards value$396 a yearBetter than most (25th of 95 cards)

Purchase rate18.99%Middle of the market (92nd of 196 cards)

Annual fee$189 a yearNot as good as most cards (147th of 200 cards)

Overseas fee3.65%Among the weakest we track (193rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Qudos Bank
Program: Qantas Frequent Flyer