Qudos Bank Lifestyle Credit Card

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.

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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

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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 rate4.99% p.a. for 5 months, reverts to 12.34% p.a.
Annual fee$0
Interest-free period
Cash advance rate12.34% p.a.
Min credit limit$1,000
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee3.65%
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
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee3.65%
Additional cardholder fee$0

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

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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