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.
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% p.a. and there is no annual fee. The cash advance rate is even low, sitting at a surprisingly affordable and consistant 12.34% p.a.
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.
The Qudos Bank Lifestyle credit card could be a great option for anyone who is super organised with their repayments and can avoid be charged more interest than needed.
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.
12.84% p.a. |
|
4.99% p.a. for 5 months |
|
4.99% p.a. for 5 months and then 12.84% p.a. |
|
no |
|
12.84% p.a. |
|
0 |
$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 Wallet, PayID
No features/rewards and high interest.
Read full reviewNo features/rewards and high interest.
I like the product they provide. Only downfall is accessibility. Have to use online and other ATM's as they are a Credit Union only.
Read full reviewI like the product they provide. Only downfall is accessibility. Have to use online and other ATM's as they are a Credit Union only.
The credit card cash advance fee of $2.00 stated on this website is incorrect in fact you are charged $5.00 instead.
Read full reviewThe credit card cash advance fee of $2.00 stated on this website is incorrect in fact you are charged $5.00 instead.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Platinum Visa Credit Card
19.99% p.a.
No current offer
$299
Qantas Frequent Flyer
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
n0w Credit Card
n/a
No current offer
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
Platinum Mastercard
0% p.a. for 3 months then 25.80% p.a.
0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.
$99