Qudos BankVISA Platinum Credit Card
Earn Qantas Points* on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card.
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 20.99%
- Interest-free days
- 25
- Annual fee
- $189
- Foreign transaction fee
- 3.00%
- Rewards
- Qantas Frequent Flyer
- Balance transfer
- 20.99%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 20.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 47th lowest of 51, level with 2 others |
| Rewards cardOngoing purchase rate on a card that earns points | 20.99% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 12th lowest of 25, level with 4 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 25 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 41st longest of 42 |
Rates
Every rate Qudos Bank publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | - | - | - | 20.99% | - | - |
| Cash advance | - | - | - | 20.99% | - | - |
| PurchaseStandard rate | - | - | - | 20.99% | - | - |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Balance transfer | 18.99% | 20.99% | up 2.00 |
| 2 Nov 2026 | Cash advance | 18.99% | 20.99% | up 2.00 |
| 2 Nov 2026 | Purchase | 18.99% | 20.99% | up 2.00 |
Each change is logged the night it appears in the rates Qudos Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
While you hold it1
- Annual Fee$189 a year
When you make a transaction2
- Cash Advance Fee
For cash advances overseas, a foreign currency conversion fee is also payable.
$5 - International Transaction Fee (ITF)3.00% of transaction
If a payment is late or fails1
- Late Payment FeeNo fee
When particular things happen6
- Additional Card Holder FeeNo fee
- Copies of documents other than statements
No charge applies for copies of documents such as loan or withdrawal forms.
No fee - Replacement CardsNo fee
- Statement Copies
This fee is applied when a Member requests a copy of a statement on an account for a period more than 3 months before the request. There is no charge for copies of statements less than 3 months old.…
$5 - Emergency Overseas Visa Cash Advance
Visa International can arrange for a cash advance to be issued if your card is lost, stolen or damaged whilst you are overseas. It should be noted that this fee can be avoided by obtaining cash from…
$175 - Emergency Overseas Visa Replacement Card
Visa International can arrange for the issue of an emergency replacement card if your card is lost, stolen or damaged whilst you are overseas. Visa International bills this charge to your Qudos Bank…
$175
Features
- Complimentary international travel insurance
- Access to Visa Platinum Entertainment Offers
- 24/7 worldwide Visa Premium Concierge Service
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Available to individuals
- Amount $6,000 to $20,000
Compare it with others
Put this product through a calculator
Published by Qudos Bank under the Consumer Data Right, last changed by them on 1 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.