Qudos Bank
Lifestyle
If you're after a low rate with no annual fee, the Lifestyle Credit Card may be the everyday credit card for you.
Credit cardsBank updated 27 Feb 2026
At a glance
- Purchase rate
- 12.34%
- Cash advance
- 12.34%
- Annual fee
- $0
- Foreign transaction fee
- 3.00%
- Balance transfer
- 12.34%
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | — | — | — | 12.34% | — | — |
| Cash advance | — | — | — | 12.34% | — | — |
| 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% | — | — |
| PurchaseStandard rate | — | — | — | 12.34% | — | — |
§ 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 protection1 additional cardsApple Pay, Google Pay, FitBit
- · Access to Visa's 24 hour worldwide emergency hotline
- · 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
Put this product through a calculator
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.