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Qudos Bank Credit Cards

Qudos Bank has been assisting Australians with their financial needs since its origins over 55 years ago as a credit union for Qantas employees.

Today, Qudos bank operates as a mutual bank for all Australians with around 100,000 members and 10 branches throughout Australia.

Qudos bank members have access to financial services including credit card services, bank accounts, savings accounts, insurance, wealth management, home loans, personal loans and term deposits.

Qudos Bank Credit Cards rates

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About Qudos Bank credit cards

Qudos bank offers multiple Visa credit cards to suit its members’ needs. These cards range from a standard card for customers who prefer lower interest rates on their purchases to a platinum card for those who prefer to earn rewards.

New customers receive a very low introductory interest rate on purchases and balance transfers. Thereafter, Qudos credit card rates vary from moderately low to moderately high for purchases.

There is a moderately high credit card limit on Qudos Bank Visa cards.

Depending on the card chosen, Qudos Bank Visa cardholders could receive anywhere from no interest-free days to a moderate number of days to pay off their credit card debt before interest accrues.

Annual fees range from none to high, depending on the card chosen.

There are no late payment fees on Qudos Visa credit cards.

Qudos Bank credit cards review

With multiple cards to choose from, Qudos Bank credit cards may appeal to a range of customers. The Visa credit cards on offer range from standard to platinum.

A very low introductory interest rate on purchases could be appealing to those who want to make big purchases as a new cardholder. However, potential customers should take note of the interest rate hike after the introductory period. Standard interest rates vary from moderately low to moderately high.

Frequent travellers and big spenders might be attracted to Qudos Bank’s rewards card offering, which can be used to earn frequent flyer points and gift cards.

There is also an introductory balance transfer rate for new members. However, there are cards available from other financial institutions that offer lower balance transfer rates for new customers. As such, those who want to consolidate their debt onto a low-rate card might want to look elsewhere.

FAQs

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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