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We have a range of credit cards to meet your needs at the most competitive rates.

Lifestyle Credit Card

You'll love our low cost Visa Lifestyle Credit Card

  • $0 annual fee
  • Low variable interest rate
  • ORION 24/7 card protection monitoring services

4.99% pa Intro Rate^ 12.34% pa Standard Rate

Find out more Apply now

Lifestyle Plus Credit Card

Looking for more freedom in your credit card?

  • $0 annual fee
  • Up to 46 days interest free2
  • $0 fee for additional card holders

4.99% pa Intro Rate^ 15.85% pa Standard Rate

Find out more Apply now

Visa Platinum Credit Card

Earn Qantas points1 on your everyday purchases

  • Complimentary Qantas Frequent Flyer membership1
  • Up to 55 days interest free on purchases2
  • Complimentary overseas travel insurance3

4.99% pa Intro Rate^ 18.99% pa Standard Rate

Find out more Apply now

  Important information

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

^ 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% pa for Visa Platinum, 15.85% pa for Lifestyle Plus and 12.34% pa for Lifestyle Credit Cards).

1. Qantas Points accrue in accordance with and subject to the Qantas Points Banking Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. 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 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 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. Qudos Bank recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, and goods and services tax and income tax) arising from the use of this product or from participating in the Qantas Frequent Flyer program or from using any of the rewards or other available program facilities.

2. Interest free days on purchases only apply 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. This information is subject to our disclaimers.

3. Qudos Bank, the insured, has entered into a Group Policy for overseas travel insurance with Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234 708 (Allianz), the insurer. AWP Australia Pty Ltd (ABN 52 097 227 177, AFSL 245 631) trading as Allianz Global Assistance is authorised by Allianz to arrange the Group Policy and deal with and settle any claims on its behalf and provides no advice. The benefit of the cover under the Group Policy is extended automatically to Qudos Bank Visa Platinum cardholders where certain eligibility criteria are met (eligible cardholders). Eligible cardholders do not have their own policy or enter into a contract of insurance with Allianz. Subject to certain terms and conditions, they have the right to recover the amount of their loss from Allianz solely by operation of section 48 of the Insurance Contracts Act 1984 (Cth). Qudos Bank is not the agent of Allianz or the eligible cardholders, does not provide any advice and does not receive any commission in relation to the cover. Benefit available where at least 50% of the amount payable for the overseas travel (including accommodation arrangements) for you and any accompanying person is paid using your Visa Platinum Credit Card before the start of your travel. Accompanying persons are your spouse (or legally-recognised de facto) and/or your dependents not in full time employment who are under the age of 21 who travel with you for the entire trip. The maximum cover provided, regardless of the number of persons the claims relate to is $1,000,000. Benefit limits and sub-limits apply. There is no cover while travelling in Australia. Refer to the Allianz Global Assistance Travel Insurance Information booklet for more information.

Qudos Bank is the issuer, offeror and administrator of the Qantas Points Banking Products and is a credit provider and credit licensee under National Consumer Credit laws.

Before opening this credit card account with us, you should read our Credit Card Conditions of Use, Visa Platinum Credit Card Terms and Conditions, Qantas Points Banking Rewards Terms and Conditions and Financial Services Guide.

Rates current as at 20 November 2018.