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Visa Platinum Credit Card



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1 point for $1 spentVisaUp to $2,500 monthlyeligible purchases
0.5 points for $1 spentVisauncappedeligible purchases
  • Free International Travel Insurance
  • Free Supplementary Cards
  • Concierge
  • Special Events


The Qudos Bank Visa Platinum Credit Card offers some generous introductory interest rates on purchases and balance transfers. The interest rates for both are very low for the first five months, after which time they revert to the same moderately high interest rate on both.

Qudos Bank are also providing the ability to earn Qantas Frequent Flyer points on eligible purchases, as well as a complimentary membership to this program if you are not already a member. This credit card also includes a free additional cardholder, as well as complimentary international travel insurance and a 24/7 concierge service.

For all of these free extras, this credit card does have a moderately high annual fee, and offers a moderate number of interest-free days each billing cycle. It also comes with access to Visa Entertainment and offers on concerts, sporting events and more. 

  • Earn Qantas Frequent Flyer points
  • 24/7 concierge service
  • International travel insurance
  • Moderately high interest rate
  • Moderately high annual fee
  • International transaction fees


Who is it good for?

The Qudos Bank Visa Platinum Credit Card may have some generous introductory interest rates, but those in the habit of accruing even some credit card debt should probably look at other options too. After the first five months, any balance transfers and unpaid balances from previous months will revert to the standard, moderately high interest rate on this card.

This credit card is more suitable for frequent flyers who enjoy the VIP treatment. The ability to earn Qantas Frequent Flyer points, as well as the added perks of free travel insurance, a 24/7 concierge service and access to Visa Entertainment, all add to the lifestyle of customers who choose this card.

The ability to add an additional cardholder for free could also make this card a good option for couples who are looking for a joint credit card. 

What RateCity says

The The Qudos Bank Visa Platinum Credit Card is a rewards credit card that provides a range of perks in exchange for a moderately high interest rate and a moderately high annual fee.

This credit card does include some enticing introductory interest rates on both purchases and balance transfers. However, customers considering this card should read the fine print on these offers, as they only last for the first five months. If you are signing up for a rewards credit card, you should factor this into your calculations.

The annual fee on this card does also tip over into the moderately high category. This fee could be worth it if you took complete advantage of all of the perks and earned significant rewards points, but with more generous points-earning credit cards available, it’s important to do the math on this one. 


To apply for the Qudos Bank Visa Platinum Credit Card, you must be at least 18 years old with no history of bankruptcy. You must also be an Australian citizen or permanent resident who is currently in paid employment. You can apply online, and will need to provide details on your assets, income and any existing debts. If you are not already a member of Qudos Bank, you will also need to provide some form of identification. 

About the lender

Qudos Bank, which formally trades as Qudos Mutual Limited, is an Australian credit union that is owned entirely by its members and board members. Qudos Bank was established in 1959 in Sydney by a group of Qantas employees, and was then known as Qantas Staff Co-operative Credit Union. Today, Qudos Bank has 11 branches across Australia and provides products and services in credit cards, financial planning, home loans, personal loans, car loans and more.

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