Companies Qudos Bank in Australia | RateCity

Qudos Bank is a mutual organisation, owned and operated for the benefit of its members. As a mutual, any member over 18 years of age has the ability to vote as a shareholder of the company.

Formerly known as Qantas Staff Credit Union, Qudos Bank has a long history, having been founded in 1959 by a group of Qantas Airways staff who decided to pool their funds to get more competitive loans and savings accounts.

Today, Qudos Bank provides the same financial security with an A2 investment grade rating, offering up not just attractive home loans but also a competitive range of credit cards, personal loans and savings accounts.

Qudos Bank home loans

Low Cost Home Loan (Owner Occupied) (Principal and Interest) (LVR < 80%)

Real Time Rating™

3.83 / 5

Advertised Rate

Comparison Rate*

2.99%

Variable

2.99%

No upfront or ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Low Cost Home Loan (Owner Occupied) (Principal and Interest) (LVR 80%-90%)

Real Time Rating™

3.64 / 5

Advertised Rate

Comparison Rate*

3.09%

Variable

3.09%

No upfront or ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Low Cost Home Loan Package (Owner Occupied) (Interest Only) (LVR 80%-90%)

Real Time Rating™

2.46 / 5

Advertised Rate

Comparison Rate*

3.38%

Variable

3.45%

No upfront fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Low Cost Home Loan (Owner Occupied) (Interest Only) (LVR < 80%)

Real Time Rating™

2.75 / 5

Advertised Rate

Comparison Rate*

3.39%

Variable

3.14%

No upfront or ongoing fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

Qudos Bank car loans

Car Loan (Car < 3 Years)

Advertised Rate

Comparison Rate*

6.19%

Variable

6.40%

No ongoing fees
No early repayment fees
Can apply online
Suitable for both new or used car

Car Loan (3-5 Years)

Advertised Rate

Comparison Rate*

6.19%

Variable

6.40%

No ongoing fees
No early repayment fees
Can apply online
Suitable for both new or used car

Qantas Points Car Loan

Advertised Rate

Comparison Rate*

7.59%

Fixed

7.80%

No ongoing fees
No early repayment fees
Can apply online
Suitable for both new or used car

Qudos Bank credit cards

Qudos Bank Lifestyle Plus

Purchase Rate

4.99%

for 5 months then 15.85%

Annual Fee

$0

Balance Transfers Available
No Annual Fee
Free supplementary cards
Special events

Qudos Bank Visa Platinum Credit Card

Purchase Rate

4.99%

for 5 months then 18.99%

Annual Fee

$249

Balance Transfers Available
Free international travel insurance
Free supplementary cards
Concierge

Qudos Bank Lifestyle

Purchase Rate

4.99%

for 5 months then 12.34%

Annual Fee

$0

Balance Transfers Available
No Annual Fee
Free supplementary cards

Qudos Bank savings accounts

Qsaver

0.75%

0.75%

Has no ongoing fees
Has no minimum balances

Qantas Points Saver

0.50%

0.50%

Has branch access
Has no ongoing fees
Has no minimum balances

Retirement Savings Account

0.10%

0.10%

Has no ongoing fees

Bonus Saver Account

1.40%*

0.05%

*Make no withdrawals during the month

Has branch access
Has no ongoing fees
Has no minimum balances

Qudos Bank bank accounts

General Savings Account

Account Keeping Fees

$0

Monthly

$0

Over 3,000 Westpac Group ATMs

Maximum Interest rate

Visa

0.75%

$0 account keeping fee
Linked Visa debit card
App banking available
Apple Pay, Google Pay available

Qudos Bank term deposits

Term Deposit

1.80%

p.a for 3 months

$5,000

Next rate increased

1.80%

p.a for 3 months

Covered by government guarantee

Term Deposit Special Offer

1.80%

p.a for 5 months

$10,000

Next rate increased

1.80%

p.a for 5 months

Covered by government guarantee