Best Credit Cards for Different Australians

Don’t have the time and effort to find the best credit card? Let us do the work for you. Listed below are the best credit cards on offer based on consumers lifestyle and financial situation.

I’m not really sure what I’m after - I just want the generally perceived best credit card for Australians.

If you’re a typical aussie shopper and plan on paying as little on your repayments as possible, it doesn’t get much better than the St.George Vertigo Mastercard, winner of Money Magazine’s Credit Card of 2007 and 2008.

-

Click here for more information and application details on the St.George Vertigo Mastercard.

-

-

I’m a student - what opportunities do I have to receive student benefits, and what is the best credit card for me?

Commonwealth Bank has no annual fee’s along with “Student Options” benefits on their credit cards. They require you to have a Streamline Account (their everyday savings account).

-

Click here for the Commonwealth Bank cards on offer.

Avoid credit card debt and overspending with the ANZ Visa Debit Card. Debit cards have much easier approval is you’re in a tougher financial situation, and will limit you from debt.

-

-

What is the best rewards program card?

Without going into specifics, If you are a relatively high earner or spender, you can’t go with much more prestige than the American Express Gold Card or the ANZ Rewards Visa Gold Card.

-

Click here for more information on the American Express Gold Card.

Click here for more information on the ANZ Rewards Visa Gold Card.

-

-

Frequent Flyer Points:

We recommend the American Express Blue Sky Credit Card as the best Frequent Flyers credit card, since you receive a consistent 1 FF point for every dollar you spend, along with no pesky point expiry. Includes 55 days interest free and a very modest $95 annual fee for a credit card which features a reward program.

-

Click here for more information on the American Express Blue Sky Card.

-

Petrol BP Rewards:

The Citibank BP Credit Card is the best when it comes to redeeming points on petrol. Along with 5% off petrol at BP, you receive 1% off everywhere else in the form of cash back return.

-

Click here for more information on the Citibank BP Card.

Click here for more information on the Qantas American Express Premium Credit Card.

-

-

I don’t plan to use my credit card too often, so I’m not to keen on an annual fee. What do you suggest I use?

There are currently only 3 no annual fee cards on offer, which you can see here. If you are with Commonwealth Bank, BankSA or St George already, we suggest simply applying for the card of which provider you already belong to, as they tend to offer extra benefits for existing customers. We recommend the Commonwealth Bank Low Fee Credit Card - although it has an annual fee of only $24, it makes up for it with 55 days interest free, which the Commonwealth Bank No Annual Fee card does not offer.

-

Click here for more information on the Commonwealth Bank Low Fee Card

Click here for more information on the Commonwealth Bank No Annual Fee Card

-

-

I want to transfer my credit card balance over to another card. What is the best balance transfer credit card?

Many credit cards offer an introductory 0% balance transfer rate for the first 6 months. It’s up to you to decide based on the other offers the credit card features. We would say the best credit card for balance transfer is either the Aussie Mastercard or St George Vertigo, due to its other generous and competitive features.

Click here for more information on the Aussie Mastercard
Click here for more information on the St George Vertigo Mastercard