Qudos Bank Lifestyle Credit Card

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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 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 12.34% p.a.

4.99% p.a.

Balance transfer rate

for 5 months

4.99% p.a.

Purchase rate

for the first 5 months (reverts to 12.34% p.a.)

$0 p.a.

Annual fee


Product NameQudos Bank Lifestyle Credit Card
Balance transfer rate4.99% p.a. for 5 months
Balance Transfer Revert RatePurchase Rate (12.34% p.a.)
Purchase rate (p.a.)4.99% for 5 months, reverts to 12.34% p.a.
Annual fee$0 p.a.
Cash advance rate (p.a.)12.34% p.a.
Min credit limit$1,000
Max credit limit$20,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3.65% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo


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


  • No interest-free days on purchases
Annual fee$0 p.a.
Minimum Monthly Repayment2% of the closing balance or $20, whichever is greater
Foreign Currency Conversion Fee (Visa/Mastercard)3.65% of transaction value
Additional Cardholder Fee$0

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

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).

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 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 12.34% 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.

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