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52 Responses to Thank you

  1. Default Gravatar
    Tommy | August 25, 2015

    I am currently on disability pension through centerlink due to a recent accident preventing me from going back to immediate work.
    Will this income allow me to quality for a credit card of up to $5000?

    Regards, Tom

    • Staff
      Jonathan | August 25, 2015

      Hi Tommy, thanks for your inquiry!

      Some banks/ lenders allow Centrelink payments as a valid form of income. Please refer to this page for a list of banks who allow Centrelink payments for credit card applications.



  2. Default Gravatar
    Billy | September 16, 2014

    Hi, I expect to be hiring cars several times a year now, as well as doing limited o/s travel, with my wife. What cards offer the best all inclusive travel insurance packages? I prefer Visa or MasterCard. Thanks, Billy

    • Staff
      Shirley | September 16, 2014

      Hi Billy,

      Thanks for your question.

      Please note we don’t recommend specific products, services or providers. If you’d like, you can compare credit cards with complimentary travel insurance here.


  3. Default Gravatar
    jitendra | August 5, 2014

    need to balance transfer my credit card to no interest offer to pay it off quicker.

    • Staff
      Shirley | August 6, 2014

      Hi Jitendra,

      Please compare BT cards on this page.

      Please remember to check the eligibility and balance transfer criteria before applying.


  4. Default Gravatar
    Drew | June 24, 2014

    Hi Shirley / Staff at Finder…

    Great website helps tremendously.
    Recently I applied for a card and was approved for $12K only to find out after verification of myself all was good but the application fell over on a letter from my accountants showing and signing off on my weekly / monthly income instead of tax returns only to have the application rejected as I cant hand over the tax returns for 2 Years of trading as a self employed company Director..surely a SIGNED letter from a CPA in support to show and prove serviceability is sufficient ?

    Do you have a Card supplier that will take an Accountants letter of support regarding income as opposed to Tax returns ?

    Thank you Shirley,

    • Staff
      Shirley | June 27, 2014

      Hi Drew,

      Thanks for your question.

      Unfortunately, if you have limited documentation you’re limited to a few credit cards due to a lack of credit history. Store credit cards may be a good start, as you can probably acquire one with little effort. There are minimal credit checks and you can apply at the store directly. These cards are a good choice for people who have little to no credit.

      It may be a good idea to speak to them directly without making any formal applications to discuss your eligibility.


  5. Default Gravatar
    praash | May 18, 2014

    how much money will in the student
    credit cart.. thx

    • Staff
      Shirley | May 22, 2014

      Hi Prassh,

      Thanks for your question.

      Please see our page on student credit cards.


  6. Default Gravatar
    naveen | February 4, 2014

    I like your project

  7. Default Gravatar
    Sam | January 24, 2014

    Hi I’m currently in 457 visa n earn 51k per annual I have 8 month to expire my visa can I apply for personal lone note I have 4 yr contract finish on 2017 at work . Which will be best for me lone or credit card

  8. Default Gravatar
    TONY | January 10, 2014

    Hello, I currently have a Citibank Platinum Visa Card with an annual fee of $199. The purchase fee is 20.99%, cash advance is 21.99%, late fee is $25.00 plus there is a $10.00 fee per day that you go over the pay date, so if I’m 4 days in paying off the amount, I’m charged a fee of $40.00 over and above the late fee.

    Originally, I purchased this card over 5 years ago when it was known as a gold card. However, due to a work accident I’m currently on a Disability pension until able to get back to work. My bank has a platinum card with an annual fee of $49.00, purchase and cash advance fees are the same at 10.99%. I know I can save a great deal of money by switching to the PN Bank but think they would refuse my application due to being on Disability Pension. My credit rating is ok, as I haven’t made any applications in the last two years. The other applications I made, I decided not to take them. I found out later that it doesn’t matter if you take the loans or not it goes on the credit rating.

    Do yo think it’s advisable to go and see my bank regarding applying for their Platinum Visa Card? Thanking you in advance.

    • Staff
      Jacob | January 11, 2014

      Hi, Tony.

      It’s a great idea to compare your current credit card(s) and other products against what else is out there. You can have a look at our best credit card comparison page here.

      If you make an application for credit, it goes down on your credit file as a credit enquiry. When you submit an application, you’re giving the lender permission to look into your credit history, which is recorded on your credit file. A number of credit enquiries on your credit file in a short space of time can negatively impact your chances of getting approved in the future. If you haven’t applied for credit in the last two years, you should be O.K.

      Also, if you’ve gone through an event which has resulted in a reduced income, you can still apply for a credit card. Just make sure that you meet the minimum income requirement for that particular product. If you would feel more comfortable speaking to someone face to face, it’s probably a good idea to apply in-branch.

      Thanks for your question and I hope this has helped.

  9. Default Gravatar
    Excluded | August 19, 2013

    I am currently waiting for an operation from a workplace injury.
    I am getting my wage but am really struggling as I miss the overtime & another $400 a month from my second job.
    I can’t seem to manage to pay my $11000 credit card off.
    Is there anything I can do or is the only option to transfer balance to another card at 0% or even Into a joint card with my mother as she is also considering transfer balance on her card as well ?

    • Staff
      Jacob | August 20, 2013

      Hi Excluded.

      A balance transfer is the most popular option for people looking to cut down their interest repayments and get on top of their credit card debt.

      You can compare a range of balance transfer credit cards on this page. There are a number of cards with different promotional offers, please use the check boxes to the left of the comparison table, and then click compare, to compare the cards one on one. Once you’ve compared cards, you can read a detailed review of the product by clicking on find out more in the comparison table. You can also apply for the card from the review page.

      If you’re looking to transfer to a card to a joint card with your mother, you will want to have a look at this page. It has information on which providers will let you do this and which won’t let you.

      Thanks for your question.

  10. Default Gravatar
    Gloria | July 14, 2013

    I would like to know what fuel vouchers I have on my everyday rewards card thank you

Credit Cards Comparison

Rates last updated October 22nd, 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
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
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 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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