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Home Loans

Find the right loan to make your home-owning dreams come true

Personal Loans

Whatever you need extra funds for, we can make it happen

★ Featured

A no sweat home loan

No bank fees. No worries. No Frills Home Loan^

4.49 % p.a.  Comparison rate

^T&Cs, fees, charges, and lending criteria apply. Apps from 22/12/2022 for loan amounts > 150k, owner-occ, P&I, deposit >30%

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Bonus Saver

Earn bonus interest when you make no withdrawals in any calendar month.

Up to 3.60 % p.a. X

Term Deposit

Safeguard your savings with a Qudos Bank fixed rate term deposit account.

For 24 months 4.25 % p.a. X #Term and conditions apply 

★ Featured

Earn 2,000 bonus Qantas Points

when you open your first Qantas Points Saver account with $1,000 deposit in the 1st month^



^T&Cs Apply. New accounts opened 31/01/2023 to 28/03/2023. Min deposit $1k In first month. Excludes existing Qantas Points Saver customers. One points allocation per customer.

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Credit Cards

Choose from a range of credit cards to meet your needs at the most competitive rates.

International Money

Our association with Western Union: Business Solutions creates a one-stop shop for international transactions of any size.

★ Featured

Earn Qantas Points* on your everyday purchases

With our Visa Platinum Credit Card you can earn Qantas Points* on everyday purchases and enjoy a host of other exceptional features.



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Buildings and Contents Insurance

Protect your home buildings inside and out for loss or damage caused by one or more of 11 insured events.

FlexiCover Life Insurance

Protect yourself and your family with FlexiCover Life Insurance

★ Featured

Motor Insurance

Up to 10% discount on your first years’ premium when you buy a new comprehensive car insurance policy online~#

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Retirement Savings Account

The Retirement Savings Account is for those looking for security and flexibility for their superannuation, rollovers and allocated pensions.

DIY Super Saver

Give your Self-Managed Super Fund a boost. Secure a great rate with our DIY Super Saver* You must have a Self Managed Super Fund (SMSF) in order to acquire this product.

5 stars

Easy to use app

"App is very easy to use, I like the new details around transactions and the link to google maps to find out who and where the purchase was made from."

App store review by T19canon



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  • 1 WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Our comparison rate assumes a loan of $150,000 for 25 years. For interest only loans, the comparison rate is based on a 5-year interest only period, reverting to the interest rate applicable to a principal and interest loan with a deposit of 20% or more for the relevant purpose.

*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 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.

Qudos Bank ABN 53 087 650 557 AFSL/Australian Credit Licence No. 238305 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from www.qudosbank.com.au. The relevant Target Market Determination is available by calling 1300 747 747. If you purchase this insurance, we will receive a commission of 10% that is a percentage of the premium. Ask us for more details before we provide you with services. See our Financial Services Guide or ask us for more details.

~Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional covers.

#The online discount applies to new Comprehensive Motor Insurance policies only. Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless otherwise stated). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and Android are trademarks of Google Inc.

Normal lending criteria, terms and conditions and fees and charges apply. Mortgage insurance is required for home loans over 80% and is subject to approval.

Interest only subject to approval. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

You should read and consider the relevant terms and conditions (available on request) and our Financial Services Guide before deciding whether to obtain any of our financial products or services.

Rates current as at 22 December 2022.