Credit Card Financial Advice from Australian Government Bodies & Associations

The following list of links provides some free helpful and important resources for help you in choosing your credit card. Read our credit card guide for more information to help you choose your credit card and compare credit card deals.

Helpful Online Financial Advice & Credit Card Information

  • Credit Card Scams []  – Scamwatch – Information on identifying and protecting yourself from credit card scams
  • Credit Cards [] – helpful advice to help you in choosing a credit card
  • Bank Fees & Credit Card Surcharges [] – ACCC guide to help you better understand credit card feeds & surcharges
  • Transferring your credit card balance [] – A guide from FIDO with 5 important questions to ask your new card issuer when doing a balance transfer.
  • Managing your credit cards [] – a great resource with good advice to help you better manage your credit card debt.
  • Credit cards & loans [] – financial advice for young adults on managing and controlling their credit cards.
  • The Uniform Consumer Credit Code [] – your rights and obligations for credit agreements
  • Student Financial Advice [] – financial advice for university students
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6 Responses to Credit Card Financial Advice from Australian Government Bodies & Associations

  1. Default Gravatar
    Grant | August 27, 2013

    I have recently been approved for a home loan and it is currently at settlement stage. Settlement will be the 17th of september. At what stage is it safe for me to apply for a credit card, without impacting on the success of the home loan?

    • Staff
      Jacob | August 27, 2013

      Hi Grant.

      You should be fine as credit checks have probably already been done; however, wait till the loan is settled and you have the keys to your home to be safe.

      Thanks for your question.

  2. Default Gravatar
    Cheryl | July 22, 2013

    Are the new credit card laws applicable to current credit cards that were in use prior to the Acts and when were they officially instigated?

  3. Default Gravatar
    Lynette | October 22, 2012

    moving to darwin from nsw will travel between the 2 states i would like to know the best c/card so i can earn fly points i don’t have a credit card dept. could you please advise.

    • Staff
      Jacob | October 23, 2012

      Hi Lynette. The best card for you will depend on your personal circumstances. Please refer to our rewards and frequent flyer comparison pages to find the card that’s right for you. Thanks.

Credit Cards Comparison

Rates last updated October 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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