Lifestyle Plus

 General Lending Rates

• Lending Rate Type: Purchase
• Interest Rate: 15.85%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: $0 fee for additional cards

• Bill Payment Additional Information: You can use BPAY to pay bills bearing the BPAY logo from those accounts that have the BPAY facility.

• Digital Banking Additional Information: Our secure Online Banking & Mobile App services mean access to your accounts 24 hours a day, seven days a week.

• Digital Wallet

• Npp Enabled Additional Information: This account is able able to make and receive Osko payments

• Npp Payid Additional Information: PayIDs can be linked with this account

• Unlimited Txns Additional Information: No charge for transaction fees for withdrawals - owner ATM fees apply. Cash advance Fee of $5.00 applies

• Card Access

• Interest Free Additional Information: Up to 46 days interest free on purchases only applies if your account is paid in full by the due date each month. Excludes cash advances and BPAY transactions.

• Notifications

 Product Eligibility

• Min Age - 18. Additional Information: Customers above 18 Years may apply

• Natural Person Additional Information: Only personal customers may apply

• Residency Status - Australian Resident. Additional Information: This product is only available to members who have a residential address in Australia.

 Bank Fees and Charges

• Atm Direct Charge (Event), Amount: 0.00.

• Document Copies (Event), Amount: 5.00.

• Dormant Account (Event), Amount: 10.00.

• Replacement Card Fee (Event), Amount: 10.00. Additional Information: First 2 cards free, then $10.00 per card.

• Statement Copies > 3 Mths Old (Event), Amount: 5.00.

• Credit Card Cash Advance Fee (Transaction), Amount: 5.00.

• Sms Banking (Event), Amount: 0.25.

• Statement Copies > 3 Mths Old (Event), Amount: 5.00. Additional Information: This fee is applied when a Member requests a copy of a statement on an account for a period more than 3 months before the request. There is no charge for copies of statements less than 3 months old. This fee will be charged at the time the copy is provided.

• Emergency Visa Cash Advance (Event), Amount: 175.00. Additional Information: Visa International can arrange for a cash advance to be issued if your card is lost, stolen or damaged whilst you are overseas. It should be noted that this fee can be avoided by obtaining cash from any bank displaying the Visa logo after an emergency card has been issued by Visa International. Important: If you apply for an emergency replacement card and an emergency cash advance from Visa International, your Qudos Bank account will be debited with both fees amounting to US $375.00

• Emergency Visa Replacement (o/s) (Event), Amount: 200.00. Additional Information: Visa International can arrange for the issue of an emergency replacement card if your card is lost, stolen or damaged whilst you are overseas. Visa International bills this charge to your Qudos Bank account.

• Overseas Card Transactions (Event), Amount: Not Listed.. Additional Information: 3.65% of the value of the transactions. This fee applies to foreign currency transactions made using a CueCard or Visa Card, and includes a currency conversion assessment of 1% by Maestro Cirrus (for CueCard) or Visa International (for Visa cards), asapplicable. For example, if the value of the transaction is $100, the fee would be $3.65 (including a currency conversion assessment of $1.0" 3.65% of the value of the transactions. This fee applies to foreign currency transactions made using a CueCard or Visa Card, and includes a currency conversion assessment of 1% by Maestro Cirrus (for CueCard) or Visa International (for Visa cards), as applicable. For example, if the value of the transaction is $100, the fee would be $3.65 (including a currency conversion assessment of $1.00) Please note that some online merchants may display a price in Australian dollars but pro0) Please note that some online merchants may display a price in Australian dollars but process the transaction in a foreign currency

 Limitations & Restrictions (Constraints)

• Max Limit of 20000.00 Additional Information: Subject to Lending Criteria

• Min Limit of 500.00 Additional Information: Minimum limit of $500 applies