Student Credit Cards

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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).

• 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.

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

Click here to read the Bankwest Lite MasterCard terms and conditions

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

Click here to read the Commonwealth Bank Low Fee Card terms and conditions

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	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	$55	55
Commonwealth Bank Low Fee Card	Best Commonwealth Bank Student Credit Card*	19.24%	20.74%	5.99% for 5 months	$24.00	55
ANZ Visa Debit Card	Best Student Visa Debit Card* Discounted monthly fee of $3 for students. No credit history required.	-	-	-	$3*	-
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%*	-	-	-	-
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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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	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	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 Points	19.74%	21.99%	0% for 6 months	$0	62
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