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Qudos Bank Lifestyle Plus Credit Card
Qudos Bank Lifestyle Plus Credit Card

Qudos Bank Lifestyle Plus Credit Card

Updated 2 January 2020

Purchase Rate (p.a)

4.99% p.a.

for 5 months. Reverts to 15.85% p.a.

Balance Transfer (p.a)

4.99% for 5 months No BT fee. reverts to 15.85% 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 on balance transfers & purchases for the first 5 months
  • $0 fee for additional cardholder
  • Up to 46 interest free days on purchases

  • No rewards or fancy features

Creditcard.com.au review

Editor Review

Qudos Bank Lifestyle Plus 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 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

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

42% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 15.85% p.a.

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

Cash advance rate 15.85% 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 15.85% 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 Up to 1 - $0

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 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

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.

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