Qudos Bank Visa Lifestyle Credit Card

Name: Qudos Bank Visa Lifestyle Credit Card
Brand: Qudos Bank
Rating: 3.8 (1 reviews)

$0 annual fee as long as you have the card.
Enjoy 4.99% p.a. on purchases and balance transfers for 5 months (12.84% p.a. thereafter).
$0 fee on additional cards.

Pros and cons

The introductory rate of 4.99% for 5 months on purchases, cash advances and balance transfers.
Low standard interest rates.
$0 fee for an additional cardholder.

Additional cardholders. You can add one additional cardholder to your account for free. This will give you the ability to share your account with a family member or friend. Note that the primary cardholder is responsible for the account's management and repayment of any balances.
Digital wallets. This card supports Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Gambling transactions. Gambling transactions are not allowed.

Complimentary travel insurance. The Qudos Bank Lifestyle Credit Card does not provide complimentary international travel insurance.
Concierge services. This card does not offer a concierge service.
Insurances. Offers standard fraud protection but does not come with any other insurance benefits, such as purchase or refund protection.
Rewards points. This credit card does not have a rewards program, as might be expected from a low-fee card.
Sign up bonus. Qudos Bank does not offer any new customer sign up bonus for this card.

Annual fee. It's free to have this card with no annual fee for life.
Balance transfers. The Qudos Bank Lifestyle Credit Card offers a 0% p.a. balance transfer for 5 months, with a 4.99% balance transfer fee that reverts to the standard rate of 12.84% p.a. Balance transfers from personal loans are not allowed. Longer introductory balance transfer periods are widely available from other banks.
Cash advances. If you use this card for a cash advance, Qudos Bank will immediately apply the 12.84% p.a. interest rate. Qudos Bank also charges a one-off fee for any cash advances made with this card. This rate is lower than what many cards offer, but there is no interest-free period.
Foreign exchange fee. Any purchases made in a foreign currency, whether they are online or while overseas, will incur a one-off 3.65% foreign transaction fee.
Interest-free period. Qudos Bank does not offer interest-free days on purchases on the Visa Lifestyle Credit Card, which is unusual.
Purchases. Enjoy a 5-month-long introductory offer of 4.99% p.a. interest on purchases. After this period ends, the ongoing interest rate for purchases is 12.84% p.a.