Qudos 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 27 Feb 2026
At a glance
- Purchase rate
- 15.85%
- Cash advance
- 15.85%
- Interest-free days
- 46
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
- Balance transfer
- 15.85%
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | — | — | — | 15.85% | — | — |
| Cash advance | — | — | — | 15.85% | — | — |
| IntroductoryIntro rate applies to all transactions (including purchases and balance transfers) for the first five months from the first date your account is approved and then reverts to the standard variable rat… | — | 5 mo intro | — | 4.99% | — | — |
| Purchase | — | — | — | 15.85% | — | — |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | $3.50 | — | For cash advances overseas, a foreign currency conversion fee is also payable. |
| Additional Card Holder Fee | Event | No fee | — | — |
| Copies of documents other than statements | Event | No fee | — | No charge applies for copies of documents such as loan or withdrawal forms. |
| Replacement Cards | Event | No fee | — | — |
| Statement Copies | Event | $5 | — | 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.… |
| Late Payment Fee | Late payment | No fee | — | — |
| Annual Fee | Periodic | No fee | Every 1 yr | — |
| Emergency Overseas Visa Cash Advance | Replacement | $175 | — | 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… |
| Emergency Overseas Visa Replacement Card | Replacement | $175 | — | 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… |
| International Transaction Fee (ITF) | Transaction | 3.00% of transaction | — | — |
§ 03 — Features
Digital bankingFraud protection46 interest-free days1 additional cardsApple Pay, Google Pay, FitBit
- · Enjoy special offers with Visa Entertainment
- · Visa credit cards are accepted at over 24 million locations worldwide
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Resident
- · Available to individuals
- · Amount $1,000 to $20,000
§ 06 — Run the numbers
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Published by Qudos Bank under the Consumer Data Right, last changed by them on 27 Feb 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.