Great sites for comparing credit cards in Australia:
Recommended credit cards
Since I'm not a fan of credit, I'm looking for the credit cards with the
- 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
28 Degrees MasterCard (service centre -
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
Coles Group Source MasterCard (link)
- Online Service Centre (link)
Westpac No Annual Fee Card
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: