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Qudos Bank Lifestyle Plus

Purchase rate
4.99% p.a. for 5 months then 15.85% p.a.
Balance transfer rate
4.99% p.a. for 5 months and then 15.85% p.a.
Annual fees
$0
Interest free days on purchases
46

Mozo editorial review Qudos Bank Lifestyle Plus

Last updated: 9 July 2019.

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What's hot
  • 4.99% introductory rate (for 5 months)
  • $0 annual fee
What's not
  • High 3.65% foreign exchange margin
Mozo snapshot

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% interest rate, as long as a 4.99% balance transfer rate, however after the 5 months these both revert back to 15.85%. 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.

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Key features

The Qudos Bank Lifestyle Plus credit card is cheap and cheerful, offering a great introductory rate of 4.99% for five months before reverting to the very reasonable 15.85% purchase rate. These numbers also apply to the balance transfer rate, however if you looking to transfer debt, a 0% 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.

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Who is it good for

The Qudos Bank Lifestyle Plus credit card would work well for anyone who is looking for an affordable and easy to use card.

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Any catches

The 3.65% foreign exchange margin is a little steep, so be wary when spending overseas, or using the card when travelling internationally.

Details

Rates and fees information correct as at 16 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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

Fees
  • $0.00

  • none

  • none

  • none

  • $0.00

  • $5.00

  • 3.65%

  • $5.00

  • $0.00

  • $0.00

Features
  • $20.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID

Customer Reviews

How are Qudos Bank credit cards rated by the Mozo community?

Overall customer rating
7.4/10
Price
7.3/10
Features
6.2/10
Customer service
7.7/10
Convenience
6.0/10
Trust
7.7/10

Latest reviews of Qudos Bank Lifestyle Plus

  • Overall 10/10
    Great customer service

    Excellent customer service and always follows through.

    Read full review

    Excellent customer service and always follows through.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Nicole, Queensland reviewed almost 5 years ago
  • Overall 9/10
    Always great customer service

    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 review

    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.

    Price
    10/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mozo community reviewer, Queensland reviewed almost 7 years ago
  • Overall 10/10
    Great customer service, English speaking.

    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 review

    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".

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kay, Victoria reviewed over 7 years ago
Qudos Bank

About Qudos Bank

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.

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