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Features Lifestyle Credit Card Lifestyle Plus Credit Card Visa Platinum Credit Card
Intro Rate Intro rate 4.99% p.a. Intro rate 4.99% p.a. Intro rate 4.99% p.a.
Interest Rate Standard rate 12.84% p.a.   Standard rate 16.35% p.a. Standard rate 19.49% p.a.
Interest-free days No Up to 46 days2 Up to 55 days2
Annual Fee $0 $0 $1993
Additional Card Holder Fee $0 $0 $0
Loyalty Points No No Yes
Rewards Program No No Qantas Points*
Reward Program Annual Fee N/A N/A Complimentary Qantas Frequent Flyer membership*
Minimum Limit $1,000 $1,000 $6,000
Maximum Limit $20,000 $20,000 $20,000
Repayments Monthly Monthly Monthly
Digital Payment Methods (Apple, Google, Samsung and Fitbit, Garmin Pay) Yes Yes Yes

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  • 1 Intro rate applies to all transactions (including purchases and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable interest rate.

2Interest 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.

3 Annual fee charged upon account opening and annually thereafter.

* Qantas Points accrue in accordance with and subject to the Visa Platinum Rewards Program Terms and Conditions (contained in the Credit Card Terms and Conditions.) You must be a member of the Qantas Frequent Flyer program and provide your Qantas Frequent Flyer Membership number to us to earn and redeem Qantas Points. The joining fee is waived for 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.

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.

** 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 Credit Card Terms and Conditions. Qantas Points can be earned on a maximum of $200,000 of eligible purchases per customer for each 12 month period, 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.

# AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence 238 305, (Qudos Bank), which allows eligible Qudos Bank account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Travel Insurance Policy Information Booklet: Effective 22 May 2024 which may be amended from time to time. An excess may be deducted from any benefit paid. Qudos Bank does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Approved applicants only. Normal lending criteria, terms and conditions and fees and charges apply.

You should read and consider our Credit Card Terms and Conditions and Financial Services Guide before deciding whether to obtain any of our financial products or services. Target Market Determination available here.

Rates current as at 18 August 2022