Lifestyle
If you're after a low rate with no annual fee, the Lifestyle Credit Card may be the everyday credit card for you.
- Purchase rate
- 12.34%
- 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 Standard rate | 12.34% | — | — |
| Cash advance | 12.34% | — | — |
| Balance transfer | 12.34% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly | Ongoing | $0.00 |
| Additional Card Holder Fee 1 Year | 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. | Replacement | USD 175.00 |
Features
- Fraud protection — ORION 24/7 Card Protection
- ORION 24/7 card protection monitoring services
- Access to Visa's 24 hour worldwide emergency hotline — VISA Emergency
- Visa credit cards are accepted at over 24 million locations worldwide — Card 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
- Digital wallet — Apple Pay, Google Pay, FitBit
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 9be8ebbe-7ed3-4ae2-bc1e-c794f5730339 · View on CDR.gov.au · View Source Data (JSON)