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".
Qudos Bank (previously Qantas Credit Union) is a customer owned bank and was established in 1959. Qudos Bank has an A2 investment grade rating and offers a full range of banking products including credit cards, home loans, personal loans and saving accounts.
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Westpac
Low Rate
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
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points 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 Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
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
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
NAB
Low Rate Card
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Signature
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$279
Amplify Rewards
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Westpac
Low Rate
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
Citi
Rewards Credit Card
21.49% p.a.
0% p.a. for 30 months and then 22.24% p.a.
$149 $49 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Bankwest
Breeze Platinum Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$69 $0 in the first year
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
BankSA
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
