Student Credit Cards
- How to protect your teenager from credit card debt
- How to successfully apply for a student credit card
- What are the student visa credit card options available
- 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.
- Your First Credit Card Should Not Be Treated Lightly
Getting your first credit card should be taken as a responsibility and not be treated lightly. Many people just apply for a credit card to see if they can actually get one, which is treating it quite like a game. This can lead to serious consequences later if this kind of attitude continues when payments need to be made.
- Cheap Balance Transfers For Money Savvy Students
Cheap balance transfers can represent a significant cost-saving for cash-strapped students. Reduced interest charges, low fees and much lower monthly repayments can mean keeping your head above water financially.
- Smart Ways To Use Student Credit Cards For Educational Expenses
When you are looking for student credit cards a lot of the plans and offers may seem quite confusing at first. It is important to realise that the offers can be broken down for clarification, and this article will show you how to do that.
- How To Pay For Your University Education
University education is a great option for almost anyone. It opens up new career paths and gives you the prospect of a better life. However paying for all your expenses can be very difficult, but by doing things wisely you can make your life a lot less stressful. Read on for more information and great tips about the paying for you University education.
- Youth Allowance Changes from the Australian Federal Government
The government if making changes to the way in which Youth Allowance works, with the idea of providing more students with proper support and focus on those who need it the most. Read our guide to the Youth Allowance changes.
- How to pay your University HELP Debt faster
Best University Student Credit Card
The Bankwest Lite MasterCard is the best credit card suited to university students while they are studying. This card will give students the flexibility and convenience to spend while they are paying off their University HELP Debt. This card was also Awarded the ‘Cheapest Credit Card’ and ‘Cheapest Balance Transfer’ by [...] - Australian Student Credit Cards Guide
You may not realise but there are many good reasons for a student owning their own credit card. We often think of students as being irresponsible with money and not able to manage a credit card without getting out of control. But there are also good reasons such as the importance of building a credit history as early as possible or having available emergency money. Read up on more reasons why student credit cards may be a good idea for your child.
- How To Finance A Student Holiday Using A Credit Card
Students who are spending on a holiday need to be able to save as much as possible. Here are some ways to pay and save for your holiday using a balance transfer.
- Student’s Guide To Working And Getting A Job
If you are a student who has just finished high school or university then you are probably thinking about getting a new job. This article will help you plan out how to get one and enjoy the benefits of a regular income. There is also a section on how to manage your money once you have secured a job.
- Student’s Guide To Getting Your Own Place To Live
For student’s looking to rent or buy a house, this is a massive decision as you have to balance out location and cost. In order to make the best decision here is a guide containing the most important things you should consider before renting or buying a house.
- Student’s Guide To Travelling Overseas
For a students planning to travel overseas for a holiday their biggest concern is of course the cost of the holiday. This article gives guidance on how to plan a student overseas holiday from a financial planning point of view. It is sure to help those student’s on a tight budget.
- Student’s Guide To Buying A Car
One of the first and most expensive purchases for a student is their first car. Unfortunately many students get themselves into a debt trap when they are not careful. To help prevent this this article provides advice, tips and tricks for students buying their first car. There are many things to consider before buying that car.
- Student Guide To Living On a Shoe String
Here are some sure fire ways to maximise your university campus life. It just goes to show that you don’t need a ridiculous amount of money to be able to have fun. Sometimes it helps to think outside the box.
- Is It Better To Pay Your HECS Bill Upfront?
Many students often ask the question: what is the best way to finance my HECS education bill? Well the reality is that there are 2 key payment methods for students to choose from. This article clearly explains these 2 methods and the benefits of each. This is a must read for anyone with a HECS bill.
- Money Tips For Young Adults
Our money tips for young adults cover the basics after which we move on to paying it safe and how to become a canny consumer.
- Student Debit Card
Debit cards are a sensible option for students, offering the convenience of a credit card without the risk of getting in to debt. Read our guide to student debit cards, featuring some of the best debit cards for students with student discounts and benefits.
- Credit Cards Can Be Useful For Students
Credit Cards are actually a viable and practical finance option for students. Read our areticle to understand how a credit card can be helpful for students in building up a credit history and life skills by learning how to manage money and credit.
- Things You Need To Consider Before Applying For A Student Credit Card
This article covers the key points you should consider before applying for a student credit card. Follow this guide an d complete your student credit card application online via our website.
- Am I Ready For A Student Credit Card?
Have you been wondering whether or not the time is right for you to get a student credit card? Well perhaps the time has come and you should consider getting one! Read through our guide to give you a better understanding as to whether or not you should apply for a student credit card.
- Why Your First Credit Card is Important
Applying for your first credit card can be daunting if you haven’t done your research or you aren’t prepared. Follow our easy guide to applying for your first credit card, which also explains why your first card is so important.
| 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 | ![]() ![]() |
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