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Qudos Bank Lifestyle Credit Card
Qudos Bank Lifestyle Credit Card

Qudos Bank Lifestyle Credit Card

Updated 5 August 2020

Purchase Rate (p.a)

4.99% p.a.

for 5 months. Reverts to 12.34% p.a.

Balance Transfer (p.a)

4.99% for 5 months No BT fee. reverts to 12.34% p.a.

Annual Fee (p.a)

$0

$0 over 5 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • $0 annual fee
  • 4.99% p.a. intro rate for the first 5 months
  • $0 fee for additional cards

  • No interest free days on purchases

Creditcard.com.au review

Editor Review

Qudos Bank Lifestyle Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Qudos Bank Lifestyle Credit Card

An excellent low cost option for cardholders who carry a balance, the Qudos Bank Lifestyle Credit Card has an intro rate of 4.99% p.a. on purchases and balance transfers for five months, and a low purchase rate ongoing. Keeping it fairly basic elsewhere, the card works to keep costs down with no annual fee to pay ever, and no additional cardholder fee either.

What we love...

If you’re looking to save on interest, the Qudos Bank Lifestyle Credit Card currently has an intro offer that could help you do just that. If you apply for this card, you can benefit from an intro rate of 4.99% p.a. on both purchases and balance transfers for five months. After the end of the intro period, any balance left unpaid reverts to the card’s low purchase rate.

If you have your eye on something and want to pay it off over a period of time, this card could help you save on interest as you do it. Alternatively, if you have credit card debt that you want to pay off, you could transfer it to this card to enjoy a lower rate of interest during the intro period. Paying less in interest could then help you clear your debt faster.

Ongoing, this card may suit cardholders who carry a balance on their credit card. With its low ongoing purchase rate, it could help keep interest costs lower. This would make it a preferable option to a card that perhaps offers more features, but has a higher purchase rate.

Another appealing feature on this card is its lack of an annual fee. As a cardholder, you will pay no annual fee on this card ever, and if you choose to add an additional cardholder to the account, you will can do so at no extra charge. This could work well for you if you want to simplify your family finances while keeping costs down.

What’s not so great...

The Qudos Bank Lifestyle Credit Card does not offer any interest free days. Many other cards provide a certain number of days interest free on purchases to cardholders who clear their balance each month. However, if you typically carry a balance, this feature would not be available to you anyway.

If you like the look of what the Qudos Bank Lifestyle Credit Card has to offer but want interest free days, check out this card’s big brother, the Qudos Bank Lifestyle Plus Credit Card.

Why should you choose this card?

As we’ve already established, the Qudos Bank Lifestyle Credit Card would suit cardholders who carry a balance, allowing them to keep interest costs down, while paying no annual fee. It could also work well for cardholders who want a basic card, with no complex features to get bogged down in.

This card keeps it simple, offering access to Visa’s global network, with acceptance at more than 24 million locations worldwide. As a cardholder, you can also take advantage of Visa's 24 hour worldwide emergency hotline, contactless payments via Visa payWave, security via ORION 24/7 card protection monitoring services, while also getting to select your choice of card design.

Overall Rating

With no interest free days, the Qudos Bank Lifestyle Credit Card would tend to suit cardholders who carry a balance, benefitting from a low ongoing purchase rate, a low annual fee, and an intro offer of 4.99% p.a. on purchases and balance transfers for five months.

User reviews

Qudos Bank Lifestyle Credit Card ( based on 1 Creditcard.com.au user review )

62% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 12.34% p.a.

Introductory purchase rate 4.99% p.a. for 5 months

Cash advance rate 12.34% p.a.

Interest free period on purchases up to 0 days

Balance transfer

Balance transfer rate 4.99% p.a. for 5 months

Balance transfer revert rate 12.34% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from Qudos Bank

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee $0 at no extra cost

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee N/A

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 Credit Card

Key features

  • $0 annual fee
  • 4.99% p.a. intro rate for the first 5 months
  • 0 days interest free on purchases
  • $0 fee for additional cards

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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)

Sandhya sharma

Sandhya sharma

25 March 2020
Hi Ronald, I am a Qantas employee and currently with all this stood down thing I want to balance transfer my commonwealth bank credit card to qudos bank credit card. Can you pls advise the procedure. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 March 2020
    Hi Sandhya, Qudos is not running any balance transfer offers at this time. May I suggest looking at an offer like the ANZ Low Rate with 0% for 22 months on balance transfer. Otherwise you can apply online for the Qudos credit cards here - https://www.qudosbank.com.au/Products/CreditCards

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