Qantas Staff CU Lifestyle Credit Card

Qudos Bank Lifestyle Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
Qudos Bank Lifestyle Credit Card
Qudos Bank Lifestyle Credit Card
4.99% p.a. on balance transfers for 5 months.
4.99% p.a. on purchases for the 5 months.
No annual fee.
Add to comparison
5 months
4.99% p.a.
then 12.34%
with a 0% fee
5 months
4.99% p.a.
then 12.34%
$0
ongoing

Pros & cons

What's good?

What's not so good?

Low introductory interest rates on balance transfers and new spending which revert to a low ongoing interest rate.
At 12.34% p.a., this card is extremely competitive across the low rate market.
Cash advances charged at the low rate of 12.34% p.a. Note that interest will apply from the date of purchase on cash advances.
$0 p.a. annual fee. Who can argue with that?
Visa payWave means you can pay for small items faster by just tapping the card against the payment terminal.
No interest free days. This could prove expensive.
More competitive introductory offers on balance transfers and purchases are available on other cards.
Not a Qantas points earning card.
The 3.65% foreign exchange fee is one of the higher fees compared to other cards. You would perhaps have expected a lower fee.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
N/A
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$1,000
Maximum credit limit
N/A

Repayments

Interest charged from
Purchase date
Interest free period
Up to 0 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers4.99% p.a.5 months0%N/A12.34% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
N/A
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Qudos Bank Lifestyle Credit Card at the promotional balance transfer rate from:

    Rates & fees

    Promotional interest rates

    Interest ratePeriodFeeLimitRevert rate
    Balance transfers4.99% p.a.5 months0%N/A 12.34% p.a.
    Purchases4.99% p.a.5 monthsN/AN/A 12.34% p.a.

    Ongoing interest rates

    MonthlyAnnually
    Cash advances 1.03% 12.34% p.a.
    Purchases 1.03% 12.34% p.a.

    Fees

    Annual fee
    $0 p.a.
    Cash advance fee
    N/A
    Dishonour fee
    N/A
    Duplicate statement fee
    $5
    Foreign exchange fee
    3.65%
    Late payment fee
    $0
    Over limit fee
    $0
    Overseas ATM balance fee
    $2
    Overseas ATM withdrawal fee
    $2
    Overseas emergency card replacement fee
    $170
    Transaction verification fee
    N/A

    Minimum criteria for this card

    What you need before applying

    Be over 18 years old
    You are a resident or citizen of Australia
    You have your personal details ready to complete the online application
    Have not applied for multiple credit cards recently
    Joint applications are not allowed
    Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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