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Qudos Bank credit cards

Qudos Bank is one of Australia’s largest mutual banks with over 100,000 members across Australia and branches in Sydney, Melbourne and Brisbane. Founded in 1959 as Qantas Credit Union, it has been customer-owned for over 60 years. Offering a full range of products including home loans, personal loans, savings accounts and credit cards, customers benefit from competitive rates and low fees.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Qudos Bank


  • Multiple cards available
  • Very low introductory interest rate
  • No late payment fees


  • Moderately high interest rates possible
  • High annual fees possible
  • Few branches

Qudos Bank Credit Cards

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.

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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, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.