Qudos Bank Lifestyle Plus Credit Card

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 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.

4.99% p.a.

Balance transfer rate

for 5 months

4.99% p.a.

Purchase rate

for the first 5 months (reverts to 15.85% p.a.)

$0 p.a.

Annual fee

46 days

Interest free period

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Product NameQudos Bank Lifestyle Plus Credit Card
Balance transfer rate4.99% p.a. for 5 months
Balance transfer revert ratePurchase Rate (15.85% p.a.)
Purchase rate4.99% p.a. for 5 months, reverts to 15.85% p.a.
Annual fee$0
Interest-free periodUp to 46 days on purchases
Cash advance rate15.85% 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% interest rate for 5 months on purchases and balance transfers
  • Exclusive discounts and benefits through Visa Offers and Perks


  • Offers 46 days interest-free on purchases, compared to other cards that offer up to 55 days
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Foreign currency conversion fee3.65%
Overseas cash advance fee$175
Overseas ATM withdrawal fee$2
Additional cardholder fee$0

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

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.

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 15.85% 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 15.85% p.a. interest rate.

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    Default Gravatar
    January 15, 2016

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


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