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 12.34% p.a.   Standard rate 15.85% p.a. Standard rate 18.99% p.a.
Interest-free days No Up to 46 days2 Up to 55 days2
Annual Fee $0 $0 $2493
Additional Card Holder Fee $0 $0 $0
Loyalty Points No No Yes
Rewards Program No No Qantas Points4
Reward Program Annual Fee N/A N/A Complimentary Qantas Frequent Flyer membership4
Minimum Limit $1,000 $1,000 $6,000
Maximum Limit $20,000 $20,000 $20,000
Repayments Monthly Monthly Monthly
Apple Pay Yes Yes Yes
Google Pay Yes Yes Yes

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Footnotes:

  • 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.

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

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.

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

4. 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 qantas.com/joinffqudos. 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.com/terms. 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.

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 23 March 2020.