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  Visa Platinum Credit Card Lifestyle Plus Credit Card Lifestyle Credit Card

Ongoing Interest Rate

18.99% pa 15.85% pa 12.34% pa

Intro Rate for Balance Transfers and Purchases1

4.99% pa 4.99% pa 4.99% pa

Annual Fee

$249 2 No No

Interest Free Days

Up to 55 days interest free on purchases3 Up to 46 days interest free on purchases  No interest free days

Rewards Program

Qantas Frequent Flyer4 No No

Reward Program Annual Fee

Complimentary Frequent Flyer membership valued at $82.505 No No

Loyalty Points


No No

Minimum Limit

$6000 $1000 $1000


Monthly Monthly Monthly
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  Important Information

Credit cards are subject to approval. Normal lending criteria, terms and conditions, fees and charges apply and are available on request.

1. Intro rate applies to all transactions (including purchases, cash advances and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable rate (18.99% p.a. for Visa Platinum, 15.85% p.a. for Lifestyle Plus and 12.34% p.a. for Lifestyle Credit Cards)

2. Annual fee charged upon account opening and annually thereafter.

3. Up to 55 days interest free on purchases only applies if your account is paid in full by the due date each month. Excludes cash advances and BPAY transactions. Payment must be received by Qudos Bank by close of business.

4. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available online at Qantas Points accrue in accordance with and subject to the Qudos Bank Visa Platinum Reward Terms and Conditions issued by Qudos Bank available at A joining fee may apply, however, Qudos Bank has arranged to provide Qantas Frequent Flyer membership with the joining fee waived to Qudos Bank members who are not already a Qantas Frequent Flyer member and who apply at This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

5. Eligible purchases do not include cash advances, ATO payments, Bpay, interest, balance transfers, fees and charges or traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Visa Platinum Credit Card Terms and Conditions. An annual Qantas Points maximum of $200,000 of eligible purchases per customer for each 12 month period applies, commencing from the date your account is opened and each account anniversary thereafter (Eligible Transaction Cap), regardless of the number of Qudos Bank Platinum Credit Cards held by you.