The Finance Algorithm
Qudos Bank logoQudos Bank

Lifestyle Plus

If you're looking for more freedom in your credit card, our low rate and no annual fee Visa Lifestyle Plus credit card may be for you.

Credit cardsBank updated 1 Nov 2026
Apply at Qudos Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
19.74%
Cash advance
19.74%
Interest-free days
46
Annual fee
$0
Foreign transaction fee
3.00%
Balance transfer
19.74%
Visa Lifestyle Plus

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 19.74%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers19.74%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions45th lowest of 51
No annual feeOngoing purchase rate19.74%10.99%American Express' Low Rate Credit Card from American Express®14.84%of 10 institutions7th lowest of 10
Interest-free daysDays without interest on purchases when the balance is paid in full46 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions35th longest of 42

Rates

Every rate Qudos Bank publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer---19.74%--
Cash advance---19.74%--
Purchase---19.74%--

Rate changes

3 changes logged, newest first.

DateRateWasNowChange
2 Nov 2026Balance transfer15.85%19.74%up 3.89
2 Nov 2026Cash advance15.85%19.74%up 3.89
2 Nov 2026Purchase15.85%19.74%up 3.89

Each change is logged the night it appears in the rates Qudos Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

10 fees published, grouped by when they're charged.

While you hold it1

  • Annual Fee
    No fee

When you make a transaction2

  • Cash Advance Fee

    For cash advances overseas, a foreign currency conversion fee is also payable.

    $3.50
  • International Transaction Fee (ITF)
    3.00% of transaction

If a payment is late or fails1

  • Late Payment Fee
    No fee

When particular things happen6

  • Additional Card Holder Fee
    No fee
  • Copies of documents other than statements

    No charge applies for copies of documents such as loan or withdrawal forms.

    No fee
  • Replacement Cards
    No fee
  • Statement Copies

    This fee is applied when a Member requests a copy of a statement on an account for a period more than 3 months before the request. There is no charge for copies of statements less than 3 months old.…

    $5
  • Emergency Overseas Visa Cash Advance

    Visa International can arrange for a cash advance to be issued if your card is lost, stolen or damaged whilst you are overseas. It should be noted that this fee can be avoided by obtaining cash from…

    $175
  • Emergency Overseas Visa Replacement Card

    Visa International can arrange for the issue of an emergency replacement card if your card is lost, stolen or damaged whilst you are overseas. Visa International bills this charge to your Qudos Bank…

    $175

Features

Digital bankingFraud protection46 interest-free days1 additional cardApple Pay, Google Pay, FitBit
  • Enjoy special offers with Visa Entertainment
  • Visa credit cards are accepted at over 24 million locations worldwide

Eligibility and limits

  • Minimum age 18
  • Residency: Australian Resident
  • Available to individuals
  • Amount $1,000 to $20,000

Published by Qudos Bank under the Consumer Data Right, last changed by them on 1 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.