Australia - Credit Cards

Great sites for comparing credit cards in Australia: RateCity

Recommended credit cards

[credit cards]

Since I'm not a fan of credit, I'm looking for the credit cards with the following characteristics:

Have grace period (interest free days). Usually (up to) 50 interest-free days, meaning whatever you charge on the credit card THIS month you have to pay before 20th of the NEXT month in order to avoid interest on those purchases. Good for general and grocery shopping as it maintains the shopping list and when you pay the monthly bill you have a feeling of how much you spend on groceries, clothing, and other items.
No annual fee. I prefer cards that do not charge an annual fee. Nowadays cards are common enough that the cost of issuing a card should be incorporated into other costs.
Low interest rate. This one depends on the market. Try to find one with lower interest rates than other cards on the market. With budgeting and planning the interest costs can be kept under control. Cards are useful for having funds at hand for higher-amount purchases and longer pay-off but you should be in charge of costs, have a payment plan, etc.
No charge for overseas payments and transactions.

Having this in mind, here are some links to the cards that satisfy one or more of the above conditions...

28 Degrees MasterCard (service centre - login). The Wizard home loans portion GE Money sold to Aussie Home Loans but the credit card portion is still operated by GE Money.
Pin change phone number: 1300 559 082
HSBC No-Fee Credit Card (HSBC Credit Cards Online)
Coles Group Source MasterCard (link) - Online Service Centre (link)
BankWest Zero
Westpac No Annual Fee Card

Gift Cards

Aside from standard credit cards, the virtual credit cards may be useful for special occasions. They can be used as gift cards but also online and for standard EFT purchases.

Virtual Credit Cards:

Westpac Gift Card (see Gift Card balance)
BoPo