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.
- Purchase rate
- 15.85%
- Annual fee
- $0.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Introductory · 5 months 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. | 4.99% | — | — |
| Purchase | 15.85% | — | — |
| Cash advance | 15.85% | — | — |
| Balance transfer | 15.85% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Copies of documents other than statements No charge applies for copies of documents such as loan or withdrawal forms. | Event | $0.00 |
| 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. This fee will be charged at the time the copy is provided. | Event | $5.00 |
| Additional Card Holder Fee | Event | $0.00 |
| Cash Advance Fee For cash advances overseas, a foreign currency conversion fee is also payable. | Cash advance | $3.50 |
| International Transaction Fee (ITF) | Transaction | 3% of transaction |
| Replacement Cards | Event | $0.00 |
| 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 any bank displaying the Visa logo after an emergency card has been issued by Visa International. Important: If you apply for an emergency replacement card and an emergency cash advance from Visa International, your Qudos Bank account will be debited with both fees amounting to US$350.00. |
Features
- Interest-free period — 46 days
- Up to 46 days interest free on purchases only applies if your account is paid in full by the due date each month. Excludes cash advances and BPAY transactions.
- Fraud protection — ORION 24/7 Protection
- ORION 24/7 card protection monitoring services
- Enjoy special offers with Visa Entertainment — VISA Entertainment
- Visa credit cards are accepted at over 24 million locations worldwide — VISA Acceptance
- Digital banking — Enjoy faster, secure payments, and take control of your cards.
- Manage 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.
- Additional cards — up to 1
- 1 or more additional cards may be issued
Eligibility
- Minimum age — 18 yearsCustomers above 18 Years may apply
- Individuals onlyOnly personal customers may apply
- Residency status — Australian ResidentThis product is only available to members who have a residential address in Australia.
Constraints
- Maximum limit — $20,000.00Subject to Lending Criteria
- Minimum limit — $1,000.00
More Information
Published by Qudos Bank under the Consumer Data Right · Last updated 27 February 2026 · Product ID 79cd516c-e420-421b-b6c9-3a98ee95fe63 · View on CDR.gov.au