{
  "source": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/9be8ebbe-7ed3-4ae2-bc1e-c794f5730339",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "feesAndPricingUri": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "overviewUri": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
      "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
    },
    "applicationUri": "https://apply.qudosbank.com.au/Apply/credit-card",
    "brand": "Qudos Bank",
    "cardArt": [
      {
        "imageUri": "https://cdn.prod.website-files.com/663aabca709a328fd2c0ea2e/66d15b43c551b6f4a8c20ec8_lifestyle-card-no-border.png",
        "title": "Visa Lifestyle",
        "cardType": "CREDIT",
        "cardScheme": "VISA"
      }
    ],
    "description": "If you're after a low rate with no annual fee, the Lifestyle Credit Card may be the everyday credit card for you.",
    "effectiveFrom": "2005-02-10T13:30:00.000Z",
    "isTailored": false,
    "lastUpdated": "2026-02-27T04:23:05.801Z",
    "name": "Lifestyle",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "9be8ebbe-7ed3-4ae2-bc1e-c794f5730339",
    "fees": [
      {
        "name": "Annual Fee",
        "currency": "AUD",
        "additionalValue": "P1Y",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Additional Card Holder Fee",
        "currency": "AUD",
        "additionalValue": "1 Year",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Cash Advance Fee",
        "additionalInfo": "For cash advances overseas, a foreign currency conversion fee is also payable.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "3.50"
        },
        "feeType": "CASH_ADVANCE",
        "feeMethodUType": "fixedAmount"
      },
      {
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03"
        },
        "name": "International Transaction Fee (ITF)",
        "currency": "AUD",
        "feeType": "TRANSACTION",
        "feeMethodUType": "rateBased"
      },
      {
        "name": "Replacement Cards",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Emergency Overseas Visa Cash Advance",
        "additionalInfo": "Visa International can arrange for a cash advance to be issued \nif your card is lost, stolen or damaged whilst you are overseas. \nIt should be noted that this fee can be avoided by obtaining \ncash from any bank displaying the Visa logo after an emergency \ncard has been issued by Visa International.\nImportant: If you apply for an emergency replacement card \nand an emergency cash advance from Visa International, \nyour Qudos Bank account will be debited with both fees \namounting to US$350.00.",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Emergency Overseas Visa Replacement Card",
        "additionalInfo": "Visa International can arrange for the issue of an emergency \nreplacement card if your card is lost, stolen or damaged whilst \nyou are overseas. Visa International bills this charge to your \nQudos Bank account",
        "currency": "USD",
        "fixedAmount": {
          "amount": "175.00"
        },
        "feeType": "REPLACEMENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Copies of documents other than statements",
        "additionalInfo": "No charge applies for copies of documents such as loan or withdrawal forms.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Statement Copies",
        "additionalInfo": "This fee is applied when a Member requests a copy of a statement \non an account for a period more than 3 months before the request. \nThere is no charge for copies of statements less than 3 months \nold. This fee will be charged at the time the copy is provided.",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "5.00"
        },
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount"
      },
      {
        "name": "Late Payment Fee",
        "currency": "AUD",
        "fixedAmount": {
          "amount": "0.00"
        },
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount"
      }
    ],
    "eligibility": [
      {
        "additionalInfo": "Customers above 18 Years may apply",
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "additionalInfo": "Only personal customers may apply",
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "additionalInfo": "This product is only available to members who\nhave a residential address in Australia.",
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Resident"
      }
    ],
    "constraints": [
      {
        "additionalInfo": "Subject to Lending Criteria",
        "constraintType": "MAX_LIMIT",
        "additionalValue": "20000.00"
      },
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "1000.00"
      }
    ],
    "features": [
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "ORION 24/7 card protection monitoring services",
        "additionalValue": "ORION 24/7 Card Protection"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access to Visa's 24 hour worldwide emergency hotline",
        "additionalValue": "VISA Emergency"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa credit cards are accepted at over 24 million locations worldwide",
        "additionalValue": "Card Acceptance"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "\nManage your card in the Qudos Bank App on your mobile or tablet device. You can activate a new card, change a PIN, report a lost or stolen card, notify us of overseas trips and more.",
        "additionalValue": "Enjoy faster, secure payments, and take control of your cards."
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "1 or more additional cards may be issued",
        "additionalValue": "1"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay, Google Pay, FitBit"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "VISA"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "INTRODUCTORY",
        "applicationType": "PERIODIC",
        "additionalInfoUri": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "UNCONSTRAINED",
        "rate": "0.0499",
        "additionalInfo": "Intro 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 rate.",
        "loanPurpose": "UNCONSTRAINED",
        "additionalValue": "P5M"
      },
      {
        "lendingRateType": "PURCHASE",
        "applicationType": "PERIODIC",
        "repaymentType": "UNCONSTRAINED",
        "rate": "0.1234",
        "additionalInfoUri": "https://www.qudosbank.com.au/products/credit-cards/lifestyle-credit-card",
        "applicationFrequency": "P1M",
        "additionalInfo": "Standard rate",
        "loanPurpose": "UNCONSTRAINED",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "CASH_ADVANCE",
        "applicationType": "PERIODIC",
        "repaymentType": "UNCONSTRAINED",
        "rate": "0.1234",
        "applicationFrequency": "P1M",
        "loanPurpose": "UNCONSTRAINED",
        "interestPaymentDue": "IN_ARREARS"
      },
      {
        "lendingRateType": "BALANCE_TRANSFER",
        "applicationType": "PERIODIC",
        "repaymentType": "UNCONSTRAINED",
        "rate": "0.1234",
        "applicationFrequency": "P1M",
        "loanPurpose": "UNCONSTRAINED",
        "interestPaymentDue": "IN_ARREARS"
      }
    ]
  }
}