Categories of Acceptable Reference for Credit Card Applications
Categories of Acceptable Referees
Category Number
1. A commissioner for oaths of a State or Territory
2. A full-time employee of:
(a) a financial institution (other than an employee
mentioned in item 6); or
(b) a corporation that is a registered corporation within the
meaning of the Financial Corporations Act 1974;
who has been employed continuously for at least 5 years
by one or more financial bodies
3. Aboriginal Elder/Elected Member of Aboriginal Council
4. Accountants (Members of the Institute of Chartered
Accountants, CPAAustralia, the National Institute
of Accountants, the Association of Taxation &
Management Accountants or The National Tax
& Accountant Association)
5. Bailiffs
6. Bank, Building Society and Credit Union employees and
agents authorised by their institution to open accounts
7. Barristers
8. Clerks of Courts
9. Clerks of petty sessions
10. Commissioned Officers currently serving in the
defence forces
11. Dentists
12. Diplomatic or consular officers of an Australian
Embassy, High Commission or Consulate, either in
Australia or overseas
13. Holders of statutory offices for which an annual salary
is payable
14. Insurance company full-time employees who have
been employed continuously for at least 5 years by
such a company
15. International bank employees authorised by their institution
to open accounts, where the international bank engages
in a transaction with a cash dealer
16. Judges and Master of Federal, State Territory Courts
17. Justices of the Peace
18. Legal Practitioners (however described) of a Federal, State
or Territory court
19. Medical Practitioners
20. Members of a Council
21. Members of Federal or State Parliament
22. Members of the Chartered Institute of
Company Secretaries
23. Members of the Institution of Engineers (other than student
members)
24. Members of the Legislative Assembly of the ACT, Northern
Territory or Norfolk Island
25. Ministers of Religion who are authorised
Marriage Celebrants
26. Notaries Public
27. Pharmacists
28. Police Officers in charge of Police Stations
29. Police Officers in the rank of Sergeant or above
30. Post Office Managers
31. Public employees – current full-time employed of
Commonwealth, State, Territory or Local Governments or
Statutory Authorities, who have been employed for at least
5 years by one or more of these employers
32. Registered Nurses
33. Registrars of Federal, State or Territory Courts
34. Sheriffs
35. Solicitors
36. Stipendiary Magistrates
37. TAB Agents
38. Tax Agents
39. Teachers – full-time, who have been teaching for more
than 5 years at schools or tertiary institutions
40. Veterinary Surgeons
Comparison of Top 9 Credit Card Offers
| Credit
Card |
Card
Details |
Purchase Rate |
Cash Advance Rate |
Balance
Transfer Rate |
Annual
fee |
Interest
free days |
|
St George Vertigo |
11.89% p.a. on purchases. Winner of Money Magazine’s Award for Cheapest Credit Card. |
11.89%
 |
20.49% |
0% for 6 months |
$45 |
55 |
|
Aussie MasterCard |
0% p.a. balance transfer for 6
months. |
11.99% |
15.99% |
0% for 6 months |
$49 |
55 |
|
Citibank Clear Card |
11.99% p.a. on purchases. |
11.99% |
20.74% |
0% p.a. for 6
months |
$65 |
55 |
|
ANZ Low Rate MasterCard |
0% p.a. balance transfer for 6
months. |
12.99% |
18.24% |
0% for 6 months |
$58 |
55 |
|
St.George Starts Low 12.99% Stays Low Credit Card |
0% p.a. balance transfer for 6
months. |
12.99% |
12.99% |
0% for 6 months |
$59 |
55 |
|
Commonwealth
Bank Low Rate Card |
5.99% p.a. balance transfer for
5 months. |
13.24% |
13.24% |
5.99% for 5 months |
$48 |
55 |
|
ANZ Balance Visa Card |
1 Reward Point for every $1 you repay to your balance. |
13.99% |
20.99% |
0% for 6 months |
$57 |
55 |
|
Citibank BP - MasterCard |
5% off your petrol and and everything
else you buy at BP. 1% off everything else you buy anywhere. |
19.89% |
19.89% |
2.90% for 12 months |
$79 |
55 |
|
GE Money eco MasterCard
|
0% p.a. balance transfer for 6 months. Every dollar spent contributes to reforestation, renewable energy, and other environmental initiatives. |
18.49% |
19.99% |
0% p.a. for 6
months |
$49 |
55 |
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