Student Credit Cards

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• How to successfully apply for a student credit card
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• How to get a higher credit card limit as a student
• How to finance your gap year

As a student you can access special offers from banks which have special features for students, as well as student credit cards for over 18’s. Banks that have credit card offers to tertiary students over 18 include:

• Commonwealth Bank – No annual fee on credit cards with their “Student Options”. They require you to have a Streamline Account (their everyday savings account).

If you currently have a savings account with another bank, you’ll need to consider whether it’s worth switching banks to benefit from these savings. Debit cards are an excellent option for students and worth considering.

These student credit cards are recommended for students who are having issues with money, residence and work in relation to non-students of their own age.

Looking to get your first credit card?

The ANZ First Credit Card is a good card to consider if you are completing your first credit card application. With the option of having a low credit limit of just $1,000, and a lower minimum income requirement of $15,000, the ANZ First Visa is worth considering.

• $0 for the first year ($30 p.a. after) annual fee
• 18.99% p.a. on purchases
• 7.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 20.74%

Click here to read the ANZ First Visa Credit Card terms and conditions

Featured Offers

Listed below are Credit Card Finder’s prime choices for student and young adult credit and financial products.

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
ANZ First Visa Credit Card	This simple low annual fee credit card is ideal for students. Protected by ANZ's 24/7 Falcon suspicious transaction security.	18.99%	20.74%	7.99% for 6 months	$0 for the first year ($30 p.a. after)	44
Commonwealth Bank Low Fee Credit Card	A great card for people who uphold their 55 day interest free grace period. Paying $0 each year on your repayments, interest and fees is easily possible with this card.	19.99%	21.49%	5.99% for 5 months	$24	55
St George Direct Saver	High Interest Savings Account* Promotional rate of 6.15% p.a. for new applicants who apply before September 30th 2010. *4.60% p.a. standard interest rate. No fees.	6.15%*	-	-	-	-
NAB Visa Debit Card	Unlimited access with NAB ATMs. Deposit $3,500 into your account each month to waiver the monthly fee with NAB Classic Banking. Click to apply for a NAB Smart banking account to link to your Visa Debit card.	Debit Card	Debit Card	-	$4	-
NAB Gold Visa Debit Card	Unlimited NAB Transactions, travel insurance and free overseas transactions for $10 a month. Deposit $5,000 into your account per month to waiver the monthly fee. Click to apply for a NAB Gold banking account to link to your Visa Debit card.	Debit Card	Debit Card	-	$10	-

Student Debit Visa Credit Cards

Avoid Credit Card debt but not overspending with the ANZ Visa Debit Card – see the advantages of a debit card and the ANZ Debit here.

You can only spend whats in your bank account but you still receive the benefit of the entire VISA network, thus allowing a student to use it like a credit card. Students also benefit from a discounted $3 monthly fee (in relation the standard $6) for the ANZ Visa Debit.

Photo thanks to Alexander Redmon from Texas, US.

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• Australian Student Credit Cards Guide
  

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• How To Finance A Student Holiday Using A Credit Card
  

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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0