Qudos Bank Lifestyle Plus Credit Card

The basics

• Additional cardholders. You can add an additional cardholder to your account for free. Note that as the primary cardholder, you wiould be responsible for managing the account and making all necessary repayments on time.
• Digital wallets. This card supports all the major digital wallets, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
• Gambling transactions. Gambling transactions are not allowed.

Rewards and benefits

• Complimentary travel insurance. The Qudos Bank Lifestyle Plus Credit Card does not include complimentary international travel insurance coverage.
• Concierge services. Cardholders do not have a concierge service available.
• Insurances. This card does not come with any insurance benefits.
• Rewards points. Since it's a no-frills card, there is no linked rewards program.
• Sign up bonus. Qudos Bank do not offer any sign up bonus for this card.

Rates and fees

• Annual fee. This card has no ongoing annual fee.
• Balance transfers. Qudos Bank Lifestyle Plus Credit Card offers a 5-month introductory balance transfer offer with a rate of 4.99% p.a. After the introductory period, the revert rate is 16.35% p.a. Unlike manay other balance transfer cards, there is no balance transfer fee.
• Cash advances. Interest at the rate of 16.35% p.a. will be charged on cash advances, with interest accruing immediately from the date of the transaction. Qudos Bank will also charge a one-off fee per cash advance.
• Foreign exchange fee. This card charges a 3.65% fee for purchases made in foreign currencies online or while travelling overseas.
• Interest-free period. Get up to 46 days interest-free on purchases (except cash advances) if you pay your account balance in full by the due date or have made the required minimum payment. Longer interest-free periods are available with other cards.
• Purchases. Enjoy 5 months of low interest at 4.99% p.a. on purchases, reverting to an ongoing rate of 16.35% p.a.