Qudos Bank - Lifestyle Credit Card
The Lifestyle Credit Card from Qudos Bank has an introductory purchase interest rate of 4.99% p.a. for the first 5 months, reverting to 12.84% p.a. There is a $0 fee for an additional cardholder.
For new cardholders there is a 4.99% p.a. initial interest rate on balance transfers for 5 months reverting to 12.84% p.a. after the introductory period is up.
A $0 annual charge and a 4.99% p.a. purchase interest rate for 5 months.
Annual Fee
$0 per year
Cash Advance Rate
12.84% p.a.
Balance Transfer
4.99% for 5 months reverts to 12.84% p.a.
Purchase Rate
4.99% for 5 months reverts to 12.84% p.a.
Details
Card Type
Visa
Minimum Repayment
2% or $20
per statement, whichever is greater
Minimum Credit Limit
$1,000
Maximum Credit Limit
$20,000
Fees
Annual Fee
$0
per year
Late Payment Fee
$0
per statement
Additional Card Holder Fee
$0
Rates
Purchase Rate
4.99% for 5 months
reverts to 12.84% p.a.
Cash Advance Rate
12.84% p.a.
Balance Transfer
Balance Transfer
4.99% for 5 months
reverts to 12.84% p.a.
Overseas Spending
Foreign Currency Conversion Fee
3.65%
per transaction
Eligibility
Minimum Age
18
years old
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
The retail clients for whom this product has been designed are individuals who:
- are seeking a non-cash payment facility, to make purchases and pay bills on credit and to manage their cashflow needs
- are aged 18 years or more and meet the credit assessment criteria for the product
- are not seeking to earn reward points which they can then redeem
- are not seeking insurance and concierge services provided by a rewards card
- are seeking to have available a credit card facility to meet contingencies but want to minimise the costs of such a facility unless and until it is actually used
Lifestyle Credit Card
- are seeking a lower rate of interest so that they have the option to spread repayments over more than one statement cycle
Visit Qudos Bank to view Target Market Determination Effective From: 2023-10-05.
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