• Major Credit Cards In Australia
  

  A large majority of the credit cards issued in Australia are issued by the big four banks, with competitive credit card offers. Read our review of the major Australian banks and their credit cards.

• Credit Union Credit Cards Comparison
  

  In choosing from the available credit cards from Australian credit unions, you can’t look past CUA, and the CUA Gold Rewards MasterCard which comes equipped with a great rewards program and balance transfer offer.

• VISA vs. MasterCard Compared – Which Is Better?
  

  We are often asked the question – Which is better? A VISA Credit Card or MasterCard? This article goes in to a complete comparison between the two credit card merchants and explains their differences. Does VISA or MasterCard have any distinct advantages? Read the article to find out!

• The Importance of Credit Card Revision
  

  It can be painful creating the perfect credit card strategy in order to fit your specific budget and lifestyle. What can hurt even more is your plan going to shambles when your bank changes the rates, fees and features of your card. Learn simple methods to monitor your bank’s right to change their terms at any time.

• Is it Time to Change Credit Cards?
  

  When it comes down to it, some of us own credit cards which aren’t truly suited for our lifestyle and spending patterns. You maybe paying more interest than you truly need to, or paying for luxuries and features you never really get around to using.
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  Click here and answer the question: Is it Time to Change Credit Cards?

• When is a Personal Loan more suitable than a Credit Card?
  

  Depending on your financial habits, the purpose of your credit, the amount borrowed and the length of time you need to repay your credit, occasionally a personal loan will be more suitable than a credit card.
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  One key method to decide which is more appropriate is the length of time you need to repay. For anything typically over a year, a personal loan will outweigh a credit card. Although the credit card interest on purchases may be a fraction lower, the constant annual fees will end up costing you more than the one-off application fee of a personal loan.

• Cheapest Credit Cards Revealed
  

  No single person has the same lifestyle and spending habits. That’s why there is no ‘single’ cheapest credit card that will suit everyone, it’s completely subjective.

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  I know I will be able to pay off my purchases as soon as possible

  If this is the case, then your best choice is any credit card with 55 days interest free.

  With the Commonwealth Bank Low Fee MasterCard, you can pay either $24 for an annual fee or $0 if you’re a Commonwealth customer. Therefore if you pay off all your purchases on time, it’s possible to pay a grand total of zero dollars on your yearly repayments with responsible use. The Low Fee MasterCard does have high interest rates, so if you miss the grace periods for interest free, you’ll be hit with some relatively nasty interest repayments.

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  I’ll be occasionally need time to repay my balance

  If you’re worried you might need more than 55 days to pay off your purchases occasionally, you’re best to go with one of the credit cards with a slightly higher annual fee, but much lower interest rate.

• MasterCard and Visa – What’s the Difference?
  

  You probably wonder if there is a difference between owning a MasterCard or Visa. For domestic use it makes no difference. Outside of Australia there are some places that only accept American Express, but most also accept Visa or MasterCard.

Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%