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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).Student Credit Cards
  • BankWest – Offers a low interest BankWest Lite MasterCard student credit card. It’s offered to tertiary students over 18 who have studied at Western Australia uni for at least 2 years. This offer is open to BankWest Student Account holders only.

Commonwealth Bank and BankWest require that you have a savings account with their bank to qualify for savings.

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.


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


Bankwest Lite MasterCard Offer

Best Student Credit Card

Benefit from a 1.99% balance transfer rate for up to 9 months, and a guaranteed low interest rate of 10.75% p.a. with the Bankwest Lite Mastercard. Reduce stress with a guaranteed low rate credit card that helps you manage your credit card debt.

  • $59 annual fee
  • 10.75% p.a. on purchases
  • 21.49% p.a. on cash advances
  • 1.99% p.a. for 9 months on balance transfers

Commonwealth Bank Low Fee Card Offer

Best Commonwealth Bank Student Credit Card

  • $24.00 annual fee
  • 19.24% p.a. on purchases
  • 20.74% p.a. on cash advances
  • 5.99% p.a. for 5 months on balance transfers
  • Global access – over 24 million locations
  • Issued with chip for extra security.
  • Online security guarantee
  • Free additional cardholder

Best Student Financial 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)
St George Vertigo
St George Vertigo
Editor's Choice:
Best Bank of 2009

Competitive interest rate from one of Australia's most respected banks.
2.99% for 6 months (reverts to 11.99%)20.74%2.99% for 6 months$5555 Apply Now For The St George Vertigo
Read More About The St George Vertigo
Commonwealth Bank Low Fee Card
Commonwealth Bank Low Fee Card

Best Commonwealth Bank Student Credit Card*

19.24%20.74%5.99% for 5 months$24.0055 Apply Now For The Commonwealth Bank Low Fee Card
Read More About The Commonwealth Bank Low Fee Card
ANZ Visa Debit Card
ANZ Visa Debit Card

Best Student Visa Debit Card*


Discounted monthly fee of $3 for students. No credit history required.

- - - $3* - Apply now for the ANZ Visa Debit.
Find out more about what the ANZ Visa Debit has to offer.
St George Direct Saver High Interest Savings Account
St George Direct Saver

Best Student High Interest Savings Account*


Promotional rate of 5.50% p.a. for new applicants who apply before September 30th 09.

*3.95% p.a. standard interest rate. No fees.

5.50%* - - - - Apply now for the Direct Saver Account via the official St George website.
Find out more about what the St George Direct Saver has to offer.
NAB Visa Debit Card
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 - Apply now for the NAB Smart Visa Debit via the official NAB website.
Find out more about what the NAB Visa Debit has to offer.
NAB Gold Visa Debit Card
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 - Apply now for the NAB Smart Visa Debit via the official NAB website.
Find out more about what the NAB Visa Debit has to offer.



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.


  • 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 [...]


  • Student Credit Cards

    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.


  • Credit Tips For Student Credit Card Holders And Their Parents

    Almost all students believe that they need a credit card. As such student credit cards are readily available, but they can still be dangerous. Students should take time to understand how a credit card works including interest rates, annual fees, and debt management.


  • Student Finance Guide: How to Manage Money

    Starting university can be a shock for many students. University students have to become independent young adults rather quickly, and many aren’t prepared for the financial responsibilities having to pay for text books, and other course materials. Luckily, there is plenty of information on Credit Card Finder to help make student finance a little less daunting! Check out our guide to student finance with some very important tips for students on how to manage their money and expenses.


  • How To Manage Your Student Credit Cards

    Student credit cards can be very convenient, helping to cover all the expenses faced by a typical university student doing their degree including textbooks and other course materials. Follow our guide to ensure you take the necessary steps to manage and use your student credit card responsibly.


  • Credit Cards For Students: The Benefits & Drawbacks

    As a student, there are various credit options available with specific benefits for students. One popular option is a student credit card. Check out our guide which evaluates the various benefits and drawbacks for student credit cards.


  • When to use a Student Credit Card

    Most Aussie uni students will eventually apply for a credit card. It is important though that as a student you know all the important facts about a credit card to ensure you use your credit card responsibly – your credit card can be your BFF if used wisely!


  • 10 facts on understanding University Student credit cards

    If you are a University Student looking for a credit card, it is important that you understand the facts before you complete the credit card application. Our guide to un student credit cards will point out the most important facts you need to apply for a credit card, and once you have it, manage it better.




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    Bankwest Balance Transfer Credit Card

    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)

    St George  
Vertigo MasterCard Application
    St George Vertigo
    Editor's Choice:
    Low Interest
    Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.
    2.99% for 6 months (reverts to 11.99%) 20.74% 2.99% for 6 months $55 55
    Coles Group Source MasterCard
    Coles Group Source MasterCard
    The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points19.74%21.99%0% for 6 months$062 Apply Now For The Coles Group Source MasterCard
    Read More About The Coles Group Source MasterCard
    BankWest More Platinum MasterCard
    Bankwest Zero Platinum MasterCard
    Editor's Choice:
    No Annual Fee
    Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers
    16.99% 16.99% 1.99% for 9 months $0 55

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