- $0 annual fee
- 4.99% p.a. intro rate for the first 5 months
- $0 fee for additional cards
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Qudos Bank Credit Cards
Qudos Bank Lifestyle Credit Card
Updated 8 July 2025
Save on interest with 4.99% p.a. on purchases and balance transfers for 5 months introductory offer. Reverts to a low ongoing rate of 12.34% p.a. Plus, enjoy $0 annual fee, balance transfer fee, and add extra cardholders for free.
T&Cs apply.
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 balance transfer fee.
Reverts to 12.34% p.a.
Annual Fee (p.a)
$0
Pros and cons
- No interest free days on purchases
Creditcard.com.au review
Editor Review
Qudos Bank Lifestyle 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 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 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
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
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 no extra cost
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 Credit Card
Cut costs with 4.99% p.a. on purchases and balance transfers for the first 5 months, then a low ongoing rate of 12.34% p.a. Enjoy $0 annual fee, no balance transfer fee, and free additional cardholders, making it a smart low-cost option for managing spending. T&Cs apply.
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
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
Something you need to know about this card? Ask our credit card expert a question.
Ask a question
Sandhya sharma
25 March 2020Roland
25 March 2020