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Lifestyle Plus


Pros and Cons

  • No Annual Fee


    Electronic Wallet Service

    Important Rates


    Balance Transfer

    Overseas spending



    • Free Supplementary Cards
    • Special Events


    The Qudos Bank Lifestyle Plus credit card has no annual fee, no late payment fee and a moderately high credit limit. The card has an introductory interest rate offer, which grants card holders very low interest rates on purchases and balance transfers for the first five months. After this deal has expired, customers will be charged the card’s standard moderate interest rates. The card has a moderate number of interest-free days.

    The Qudos Bank Lifestyle Plus credit card does not have an associated rewards scheme. However, customers do gain access to special offers with Visa Entertainment. Card holders are also able to choose between different card designs.

    This card is protected 24/7 by ORION card protection monitoring services, and customers can contact Visa’s worldwide emergency hotline 24 hours a day.

    • No annual fee
    • Free additional cardholder
    • Very low introductory interest rate
    • No rewards scheme
    • No complimentary insurances
    • No frequent flyer points


    Who is it good for?

    The Qudos Bank Lifestyle Plus card is aimed at customers who want a simple credit solution for everyday spending and those who wish to minimise the costs associated with credit cards. This card makes spending simple by offering low introductory interest rates and a moderate number of interest-free days. The card does not charge an annual fee for the primary or additional card holder, potentially making it a good fit for those in search of a no-fee card.

    Because the Qudos Bank Lifestyle Plus card does not have an associated rewards scheme, this card is not necessarily suited to rewards-seeking customers. Those who want to earn points, cash back or frequent flyer miles on their eligible purchases might prefer a card with reasonable fees and a program that suits their rewards preferences.

    What RateCity says

    The Qudos Bank Lifestyle Plus credit card might be a suitable option for customers who don’t need a rewards program. This card charges no annual fee and low interest rates for the first five months. It also has a moderate number of interest-free days.

    After the introductory interest offer has ended, the card charges moderate interest rates on purchases, which may become problematic for budget card holders. Potential customers who are not confident about paying their bill in full each month may be better off with a low-rate credit card.

    The Qudos Bank Lifestyle Plus card is also not suited for overseas use. It charges a foreign transaction fee and an overseas ATM fee, making this card less than ideal for frequent travellers. Customers in search of a travel credit card should consider looking elsewhere.


    Eligible applicants can apply for the Qudos Bank Lifestyle Plus credit card via a secure online portal. To be eligible, you must be at least 18 years old, be an Australian citizen or Australian permanent resident, and have current paid employment. You must not have a history of bankruptcy. When applying, you’ll need to submit financial information including your income and net salary, your assets and your liabilities. Applications can be saved and resumed at a later time.

    About Qudos Bank

    Qudos Bank is a customer-owned bank with a history that spans over 55 years. The bank began in 1959 when a group of Qantas employees registered Qantas Staff Co-operative Credit Union Limited. With over 100,000 members, Qudos Bank provides a range of banking solutions to their customers. Their offing includes home loans, savings accounts, credit cards, personal loans, wealth management and insurance. In 2016, Qantas Credit Union became Qudos Bank, with head offices in Sydney.

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