Lifestyle Plus card image
Mini meca 2021

Qudos Bank Lifestyle Plus

Advertiser disclosure
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: 12 April 2021.

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What's hot
  • 4.99% p.a. introductory rate for 5 months (then 15.85% p.a.)
  • $0 annual fee
  • 2020 Mozo Experts Choice Award-winner
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% 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! 

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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% 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.

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Who is it good for

The Qudos Bank Lifestyle Plus credit card could 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 25 June 2021 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
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

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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.

See Qudos Bank credit cards