- $0 annual fee
- 4.99% p.a. intro rate on balance transfers & purchases for the first 5 months
- $0 fee for additional cardholder
- Up to 46 interest free days on purchases
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Qudos Bank Credit Cards
Qudos Bank Lifestyle Plus Credit Card
Updated 30 October 2024
Keep your card costs low and save with a $0 annual fee for life, up to 46 interest-free days plus, add an extra cardholder for free. On top of this, Qudos Bank Lifestyle Plus Credit Card currently offers 4.99% p.a. on purchases and balance transfers for 5 months with no Balance Transfer fee. T&Cs apply.
Purchase Rate (p.a)
4.99% p.a.
for 5 months. Reverts to 16.35% p.a.
Balance Transfer (p.a)
4.99% for 5 months
No balance transfer fee.
Reverts to 16.35% p.a.
Annual Fee (p.a)
$0
Pros and cons
- No rewards or fancy features
Creditcard.com.au review
Editor Review
Qudos Bank Lifestyle Plus Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Qudos Bank Lifestyle Plus Credit Card
Currently offering an intro rate of 4.99% p.a. on purchases and balance transfers for five months, the Qudos Bank Lifestyle Plus Credit Card could be a real money saver. With no annual fee to pay ever, the card also offers a low ongoing purchase rate, up to 46 days interest free on purchases, and no additional cardholder fee.
What we love...
Let’s get into that introductory offer first. The Qudos Bank Lifestyle Plus Credit Card is currently offering an intro rate of 4.99% p.a. on purchases and balance transfers for five months. So, if you have credit card debt that you want to pay down, you could transfer your balance to pay a much lower rate of interest, to chip away more of your debt over that five month intro period.
Alternatively, you may want to save on interest on your purchases. With this low rate, you could save on interest on your everyday spending. Or maybe you have something bigger in mind. If you want to buy something big for the house perhaps – say a sofa or a fridge – you could pay less in interest over the intro period, to clear the cost of the purchase faster.
Ongoing, this card can help you save on interest when you clear your balance each month. As long as you don’t have a balance transfer on the card, and you pay off your balance by the due date, you can benefit from up to 46 days interest free on purchases. While the card doesn’t have a high purchase rate, it’s still best to avoid interest costs accruing by taking advantage of this feature.
Helping you to keep costs down even further, the Qudos Bank Lifestyle Plus Credit Card has no annual fee ever. Have a family member you want to add to the account? You can do so at no extra charge. Streamlining your family finances, this gives you two cards to use, with only one account to keep track of and pay off each month.
What’s not so great...
While this card may be offered by Qudos Bank, it doesn’t provide any Qantas Points earning. As a low cost card, the Qudos Bank Lifestyle Plus Credit Card keeps features basic. Which means no rewards and no fancy features. If you want those extras – and you don’t mind dealing with a higher annual fee and purchase rate – check out the Qudos Bank Platinum Credit Card.
Why should you choose this card?
As a no annual fee card, the Qudos Bank Lifestyle Plus Credit Card could work well for cardholders who want to keep outgoing costs to an absolute minimum. By taking advantage of the card’s interest free feature, and avoiding cash advances, these cardholders could essentially enjoy access to credit and the features on offer while paying out nothing for the privilege.
And those features? While they may be basic, the card does have some extras to offer. As a cardholder, you can access Visa’s global network, while enjoying Visa features such as Visa payWave, Visa Entertainment and access to Visa's 24 hour worldwide emergency hotline. You can also select your choice of card design.
Overall Rating
A basic option with up to 46 days interest free on purchases, the Qudos Bank Lifestyle Plus Credit Card provides a reasonable ongoing purchase rate, no annual fee, and 4.99% p.a. on purchases and balance transfers for five months.
User reviews
Rates and fees
Interest rates
Purchase rate 16.35% p.a.
Introductory purchase rate 4.99% p.a. for 5 months
Cash advance rate 16.35% p.a.
Interest free period on purchases up to 46 days
Balance transfer
Balance transfer rate 4.99% p.a. for 5 months
Balance transfer revert rate 16.35% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit N/A
Brands you can't balance transfer from Qudos Bank
Credit limits
Minimum credit limit $1,000
Maximum credit limit $20,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 1 - $0
Foreign transaction fee 3.65%
Minimum repayment 2% or $20, whichever is greater
Cash advance fee N/A
Late payment fee $0
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
Qudos Bank Lifestyle Plus Credit Card
Key features
- $0 annual fee
- 4.99% p.a. intro rate on balance transfers & purchases for the first 5 months
- $0 fee for additional cardholder
- Up to 46 interest free days
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Resident or Australian Citizen
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
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trevor stephen watson
20 August 2020Roland
21 August 2020