In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Qudos Bank Lifestyle Credit Card

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Qudos Bank Lifestyle Credit Card
Terms and conditions apply
Balance transfer rate for 5 months with no balance transfer fee
4.99% p.a.
Purchase rate for the first 5 months (reverts to 12.84%)
4.99% p.a.
Annual fee
$0 p.a.

Our verdict

Get an introductory interest rate of 4.99% for the first 5 months and pay no annual fee ever.

The Qudos Bank Lifestyle credit card offers you simple, low-cost access to credit, with no annual fee and the same low interest rate for all transactions. As it doesn't offer any interest-free days, this card is more suited to people who carry a balance from month-to-month (compared to those who regularly pay the balance in full).

Pros

  • $0 annual fee
  • 4.99% p.a. for 5 months on purchases and balance transfers
  • Free supplementary cards

Cons

  • No interest-free days on purchases
  • No rewards and no fancy features

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Qudos Bank Lifestyle credit card offers a $0 annual fee and the same interest rate for all transactions. After the first 5 months, the introductory interest rate reverts to a variable rate of 12.84% p.a.

Details

Product details

Product Name Qudos Bank Lifestyle Credit Card
Balance transfer rate p.a. 4.99% for 5 months, then 12.84%
Purchase rate p.a. 4.99% for 5 months, then 12.84%
Interest-free period
Cash advance rate p.a. 12.84%
Min credit limit $1,000
Max credit limit $20,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $0
Minimum monthly repayment 2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee 3.65%
Additional cardholder fee $0

How to apply

You can apply for the Qudos Bank Lifestyle credit card online by filling out a secure application form. Get started by checking that you meet the eligibility criteria and have all the details you need to complete your application.

Eligibility criteria

  • Employment. You must currently have paid employment.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • $0 annual fee. You'll never pay an annual fee on this card.
  • Introductory interest rate. Take advantage of a 4.99% p.a. interest rate for the first 5 months from the date your account is approved. At the end of the introductory period, the interest rate reverts to a variable rate of 12.84% p.a.

Rates & fees

  • Additional cardholders. There is no annual fee for additional cardholders that you add to this account.
  • Currency conversion fee. A fee of 3.65% applies when you make transactions overseas or online in a foreign currency. Note that this fee may apply even if an online store shows the price in Australian dollars but process the payment in a foreign currency.

Your reviews

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Amy Finder

Editor

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