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 Plus Credit Card

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Qudos Bank Lifestyle Plus 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 16.35%)
4.99% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 46 days

Our verdict

Save with $0 annual fee and a 4.99% interest rate for the first 5 months with the Lifestyle Plus Credit Card.

The Qudos Bank Lifestyle Plus credit card is one of the few cards that offers both no annual fee and a low introductory interest rate. The standard interest rate is also relatively low when compared to other cards with introductory purchase and balance transfer offers.

Pros

  • $0 annual fee & $0 fee for additional cardholder
  • 4.99% p.a. interest rate for 5 months on purchases and balance transfers
  • Exclusive discounts and benefits through Visa Offers and Perks

Cons

  • Offers 46 days interest-free on purchases, compared to other cards that offer up to 55 days
  • Doesn't have a rewards program

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 Plus credit card combines cost-saving features with $0 annual fee and up to 46 interest-free days when you pay your account in full by the end of the statement period.

Details

Product details

Product Name Qudos Bank Lifestyle Plus Credit Card
Balance transfer rate p.a. 4.99% for 5 months, then 16.35%
Purchase rate p.a. 4.99% for 5 months, then 16.35%
Interest-free period Up to 46 days on purchases
Cash advance rate p.a. 16.35%
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%
Overseas cash advance fee $175
Overseas ATM withdrawal fee $2
Additional cardholder fee $0

How to apply

You can apply for the Qudos Bank Lifestyle Plus credit card online, but make sure that you check the eligibility criteria and necessary information you'll need to provide to complete the application.

Eligibility criteria

  • Age. You must be over 18 years old.
  • Residency. You must be an Australian citizen or a permanent resident in Australia.

Card benefits

  • No annual fee. Qudos Bank does not charge an annual fee for the Lifestyle Plus Credit Card.
  • Low interest rate. For the first 5 months you have the Qudos Bank LifeStyle Plus, all balance transfers and purchases will accrue interest at the promotional rate of 4.99% p.a. Once the introductory period is finished, the variable interest rate of 16.35% p.a. applies to all card transactions if you carry a balance.

Rates & fees

  • Credit limits. You can request a credit limit starting at $1,000 up to $20,000. Qudos Bank determines your credit limit based on your credit history, income and other lending criteria.
  • Purchase rates. Outside of any promotions, your purchases, cash advances and balance transfers will attract a 16.35% p.a. interest rate.

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Sally Finder

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Annette

January 15, 2016

Hi, do you earn Qantas Points with the Qantas Credit Union Lifestyle Plus credit card?


Thanks

Annette


Avatar

Debbie Finder

January 15, 2016

Hi Annette,


Thank you for your inquiry.


While there is no rewards program attached to Qudos Bank Lifestyle Plus Credit Card, only the Qudos Bank Visa Platinum Credit Cardcan let you earn Qantas Points among the Qudos credit union cards.


For other credit card options that offer Qantas Points, kindly refer to our comparison of Qantas frequent flyer credit cards.


I hope this helps.


Cheers,

Debbie


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