Lifestyle card image
Mini meca 2020

Qudos Bank Lifestyle

Advertiser disclosure
Purchase rate
4.99% p.a. for 5 months then 12.34% p.a.
Balance transfer rate
4.99% p.a. for 5 months and then 12.34% p.a.
Annual fees
$0
Interest free days on purchases
0

Mozo editorial review Qudos Bank Lifestyle

Last updated: 14 September 2018.

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What's hot
  • Low 4.99% introductory rate (for 5 months)
  • Low 12.34% purchase rate
  • No annual card fee
What's not
  • No interest free days
Mozo snapshot

The Qudos Bank Lifestyle credit card is a low cost, no frills, no fee product which is great for everyday use. The no interest free days, however, are a definite downside, as customers have to be hyper-vigilant with repayments to avoid paying too much interest.

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Key features

The Qudos Bank Lifestyle credit card is a super-cheap product. Not only is there a 4.99% introductory rate for 5 months, but the standard purchase rate is only 12.34% and there is no annual fee. The cash advance rate is even low, sitting at a surprisingly affordable and consistant 12.34%. But as cheap as the card is, do be wary of the non-existent interest free period - it's in your best interests to pay off any balance as soon as possible to avoid racking up debt.

The Lifestyle credit card is also a good option for travellers. Customers are able to use the card anywhere that accepts Visa - that's over 24 million locations across the world. Customers who find themselves in strife while travelling have access to Visa's 24 hour worldwide emergency hotline. But the foreign exchange margin of 3.65% is a little high, so many overseas transactions might not be a good option.


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Who is it good for

The Qudos Bank Lifestyle credit card is a great option for anyone who is super organised with their repayments and can avoid be charged more interest than needed.

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Any catches

The big catch is the lack of interest free days. Whenever you make a purchase, you'll instantly start paying interest and if you're not careful this can really start to add up quickly. 

Details

Rates and fees information correct as at 12 April 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
  • 12.34% p.a.

  • 4.99% p.a. for 5 months

  • 4.99% p.a. for 5 months and then 12.34% p.a.

  • no

  • 12.34% p.a.

  • 0

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

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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.

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