The Finance Algorithm
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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
Apply at Qudos Bank ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
12.34%
Cash advance
12.34%
Annual fee
$0
Foreign transaction fee
3.00%
Balance transfer
12.34%
Visa Lifestyle

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: 12.34%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 offers12.34%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions23rd lowest of 51, level with one other
No annual feeOngoing purchase rate12.34%10.99%American Express' Low Rate Credit Card from American Express®14.84%of 10 institutions2nd lowest of 10, level with one other

Rates

Every rate Qudos Bank publishes for this credit card, 4 in all.

TypeApplies toTermBandRateComparisonConditions
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%--

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 protection1 additional cardApple Pay, Google Pay, FitBit
  • Access to Visa's 24 hour worldwide emergency hotline
  • 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 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.