The Qudos Bank Lifestyle Plus credit card is your basic, affordable, simple card. For the first 5 months of the card there's a 4.99% p.a. interest rate, as long as a 4.99% p.a. balance transfer rate, however after the 5 months these both revert back to 15.85% p.a. There's also no annual fee and the option for a free additional cardholder. Although, the 3.65% foreign exchange margin will make non-Australian purchases more expensive.
But that's not all! Qudos Bank snapped up a 2020 Mozo Experts Choice Award for Best Balance Transfer Credit Card!
The Qudos Bank Lifestyle Plus credit card is cheap and cheerful, offering a great introductory rate of 4.99% p.a. for five months before reverting to the very reasonable 15.85% p.a. purchase rate. These numbers also apply to the balance transfer rate, however if you looking to transfer debt, a 0% p.a. balance transfer rate card may be best.
One of the better aspects of the card is its lack of annual fee. This, along with the 46 interest free days mean, if you are savvy about your repayments you can avoid having to pay any interest at all.
If you want to share this card with a family member or significant other, you'll also be able to get an additional cardholder for free.
The Qudos Bank Lifestyle Plus credit card could work well for anyone who is looking for an affordable and easy to use card.
The 3.65% foreign exchange margin is a little steep, so be wary when spending overseas, or using the card when travelling internationally.
| 15.85% p.a. | |
| 4.99% p.a. for 5 months | |
| 4.99% p.a. for 5 months and then 15.85% p.a. | |
| no | |
| 15.85% p.a. | |
| 46 |
| $0.00 | |
| none | |
| none | |
| none | |
| $0.00 | |
| $5.00 | |
| 3.65% | |
| $5.00 | |
| $0.00 | |
| $0.00 |
| $20.00 | |
| 2.0 | |
| 1 | |
| none |
Apple Pay, Google Pay, PayID
Excellent customer service and always follows through.
Read full reviewExcellent customer service and always follows through.
The Qantas Credit Union has very competative rates, low or no fees, and although they do not have many branches other than mainly at airports and city locations. their online service more than makes up for that, and any withdrawals and deposits can be made at any westpac bank branch. I have found no problem with banking with them, and the staff at their 1300 number are always very helpful and are able to place you to whatever area you need help with.
Read full reviewThe Qantas Credit Union has very competative rates, low or no fees, and although they do not have many branches other than mainly at airports and city locations. their online service more than makes up for that, and any withdrawals and deposits can be made at any westpac bank branch. I have found no problem with banking with them, and the staff at their 1300 number are always very helpful and are able to place you to whatever area you need help with.
Queries are dealt with by an English speaking consultant that are easy to understand and pleasant to deal with. I have had a follow up call to address my inquiry which totally amazed me......and I have found that being able to use the Westpac ATMs at no charge very convenient. I would NEVER go back to using one of the "banks".
Read full reviewQueries are dealt with by an English speaking consultant that are easy to understand and pleasant to deal with. I have had a follow up call to address my inquiry which totally amazed me......and I have found that being able to use the Westpac ATMs at no charge very convenient. I would NEVER go back to using one of the "banks".
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
humm90
Mastercard
23.99% p.a.
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
$99
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Great Southern Bank
Platinum Credit Card
19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Kogan Money
Black Card
Kogan Rewards Points
$0
No current offer
1 point uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $149 in the first year
60,000
0.5 points uncapped
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Platinum Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$295
NAB
StraightUp Card
0% p.a.
No current offer
$180 $15/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
David Jones
American Express Card
0% p.a. for 6 months then 20.74% p.a.
No current offer
$99
NAB
StraightUp Card
0% p.a.
No current offer
$240 $20/month - waived if no spend & no balance owing
