Qudos Bank Visa Platinum Credit Card

The basics

• Additional cardholders. You can add one additional cardholder free of charge, so you can easily share your account with another family member. Note that the primary cardholder will manage the account and make repayments.
• Digital wallets. Works with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
• Gambling transactions. Qudos Bank has blocked gambling-related transactions.

Rewards and benefits

• Complimentary travel insurance. The Qudos Bank Visa Platinum Credit Card comes with complimentary international travel insurance. To be eligible for the cover, the card must have been used to pay for travel expenses related to the trip before departure.
• Concierge services. Comes with access to Qudos Bank's concierge service, which is available 24 / 7 from anywhere in the world. Cardholders can use the concierge for help with travel recommendations, booking travel, shopping advice, price comparison, arranging gifts, and more.
• Insurances. This card comes with fraud protection. There aren't any other insurances apart from the complimentary travel insurance policy.
• Rewards points. Cardholders can earn Qantas Points at the rate of 1 Qantas Point per $1 spent on eligible purchases.
• Sign up bonus. Qudos Bank does not currently offers a sign up bonus for new customers.

Rates and fees

• Annual fee. This card comes with an annual fee of $199 p.a. This rate is similar to those of other platinum-level rewards cards.
• Balance transfers. Consolidate debt from other credit and store cards with a 5-month balance transfer offer at 4.99% p.a. reverting to 19.49% p.a. after the promotional period ends. Better balance transfer offers are available.
• Cash advances. Any transactions classed as a cash advance will be subject to an introductory interest rate of 4.99% p.a. for 5 months, which reverts to the standard rate of 19.49% p.a. thereafter.
• Foreign exchange fee. Purchases in a foreign currency made online or while overseas will incur a 3.65% fee.
• Interest-free period. Get up to 55 days interest-free, excluding cash advances, when you have paid your previous balance in full or made the minimum required payment.
• Purchases. Get a 5-month introductory offer of 4.99% p.a. on purchases. When the introductory period ends, the ongoing interest rate of 19.49% p.a. will apply to purchases.