Qudos Bank Lifestyle

credit cardexisting customers

Lifestyle is a credit card from Qudos Bank, as the bank publishes it in its product data. Its purchase rate is 12.34% and its card fee $0 a year. It ranks 25th of 52 issuers for a personal card by lowest purchase rate; and 4th of 10 issuers for a personal card with no annual fee, by purchase rate.

What the feed states

Purchase rate

12.34%

Cash advance rate

12.34%

Interest-free days

none stated

Card fee

$0 a year (Annual Fee)

Foreign transaction fee

3% of the transaction

Cash advance fee

$3.50

Late payment fee

$0

Additional cardholder fee

none

Digital wallets

Apple Pay, Google Pay

Additional cardholders

up to 1

Credit limit

$1,000 to $20,000

Minimum age

18

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the card page gives 12.84%, which the sheet does not); the 4.99% introductory rate on purchases and balance transfers ended for new applications on 1 November 2026
• credit limit $1,000 to $20,000
• existing Qudos Bank customers only; new customers are sent to Bank Australia

About this card

If you're after a low rate with no annual fee, the Lifestyle Credit Card may be the everyday credit card for you.

Data

• Qudos Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• /au/finance/credit-cards/v1/brands/qudos-bank.json: this issuer's cards as JSON; Qudos Bank's page lists them.
• The bank last updated this record on 2026-02-27; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Qudos Bank

• Lifestyle Plus credit card, 19.74%, $0 a year
• VISA Platinum Credit Card credit card, 20.99%, $189 a year