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".
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Virgin Money
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$129 $64 in the first year
100,000
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180,000
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American Express
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Virgin Money
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Virgin Australia Velocity High Flyer Card
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0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
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0% p.a. for 15 months and then 9.90% p.a.
0% p.a. for 15 months then 9.90% p.a.
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Bank of Melbourne
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13.99% p.a.
$55 $0 in the first year
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0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
HSBC
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0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
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Rewards Plus
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Bankwest
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0% p.a. for 15 months then 9.90% p.a.
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13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
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13.99% p.a.
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0% p.a. for 18 months then 11.99% p.a.
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Platinum Rewards Credit Card
0% p.a. for 12 months then 19.99% p.a.
No current offer
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Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
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Vertigo
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No current offer
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0% p.a. for 12 months then 20.74% p.a.
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Bank of Melbourne
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0% p.a. for 18 months then 13.99% p.a.
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BankSA
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