Lifestyle Plus card image
Mini meca 2022

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
Interest free days on purchases

Mozo editorial review Qudos Bank Lifestyle Plus - last updated: 16 June 2022

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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, as well as a 2022 MECA banking win for Australia's Best Large Mutual Bank. 

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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.

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.


Rates and fees information correct as at 29 June 2022 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.

15.85% p.a.

4.99% p.a. for 5 months

4.99% p.a. for 5 months and then 15.85% p.a.


15.85% p.a.


















Payment options

Apple Pay, Google Pay, PayID

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