Credit Cards 

With over two hundred credit cards available to Australians,it's a wide market that definitely caters for all needs.   All  credit card companies have their own flavours to tempt consumers

So,whether it be zero interest on balance transfers,low interest on cash and purchases,zero annual fees,rewards programs,cash back,percentage off,interest free days,etc.It's just a matter of comparing to find the best card for you.

                                                   

	Citibank Click Here For Detailed View  Interest rate  Credit limit Annual fee  Interest free days Income Criteria Balance transfer rate  Citibank Clear    Apply 12.49%p.a 20.74%pa on cash $20,000  $65 Up to 55 days.  $20,000p.a  0% for up to 6 months Citibank cashback    Apply  20.74%p.a $20,000 $69 Up to 55 days.  $20,000p.a 2.9% for 12 months  Citibank BP    Apply  19.89%p.a  $25,000  $79  Up to 55 days.  $20,000p.a  2.9% for 12 months Citibank silver    Apply  20.74% p.a $7,500  $69 Up to 55 days.  $20,000p.a  2.9% for 12 months Citibank gold    Apply  20.74%p.a $60,000  $119 Up to 55 days.  $35,000p.a  2.9% for 12 months Citibank Platinum    Apply  20.74%p.a $100,000  $250 Up to 55 days.  $70,000p.a  4.9% for life of the balance   Aussie Click Here For Detailed View  Interest rate  Credit limit Annual fee  Interest free days Income Criteria Balance transfer rate  Aussie Mastercard    Apply   10.49% on purchases  Min $1,000  Max $15,000  $49  up to 55 days  $15,000 p.a  5.99% for up to 6 months   ANZ Click Here For Detailed View  Interest rate  Credit limit Annual fee  Interest free days Income Criteria Balance transfer rate  ANZ First    Apply  19.49%p.a  Disclosed on approval  $30 Up to 44 days  $15,000 p.a    ANZ Low Rate    Apply  12.99% on purchases 17.49% on cash  Disclosed on approval  $58 Up to 55 days  $15,000 p.a    ANZ Gold    Apply  18.49%p.a  From $5,000  $87 Up to 55 days  $15,000 p.a    ANZ Rewards    Apply  20.74% p.a  Disclosed on approval  $48 Up to 44 days  $15,000 p.a    ANZ Gold Rewards    Apply  19.49% p.a  Disclosed on approval  $87 Up to 55 days  $50,000 p.a    ANZ Frequent Flyer Visa    Apply  20.74% p.a  Disclosed on approval  $95 Up to 44 days  $15,000 p.a    ANZ Frequent Flyer Gold Visa    Apply  19.49% p.a  Disclosed on approval  $95 Plus $55 Rewards program Fee Up to 55 days  $15,000 p.a    ANZ Frequent Flyer Platinum Visa    Apply  19.49% p.a  Disclosed on approval  $140 Plus $55 Rewards program Fee Up to 55 days  $75,000 p.a     HSBC Click Here For Detailed View  Interest rate   Credit limit  Annual fee  Interest free days  Income Criteria  Balance transfer rate  HSBC Low Rate      Apply  12.99%p.a on purchases  18.75%p.a on cash  $1,000 minimum $0 annual fee for the first year up to 55 days on purchases  $20,000  0% p.a. for 6 months  HSBC Classic      Apply  18.25% p.a  $1,000 minimum  $59 Up to 45 days  $20,000  5.99% for up to 6 months  HSBC Gold      Apply  18.25% p.a  $5,000 minimum  $99 Up to 45 days  $50,000  5.99% for up to 6 months  HSBC Platinum      Apply  18.25% p.a  $12,000 minimum  $199 Up to 45 days  $75,000  5.99% for up to 6 months  HSBC American Express     Apply  16.49% p.a  Disclosed on approval  $70 Up to 55 days  $20,000  8.99% for up to 6 months   American express Click Here For Detailed View  Interest rate  Credit limit  Annual fee  Interest free days  Income Criteria  Balance transfer rate  American Express Qantis       Apply  20.49% p.a  Disclosed on approval  $149 Up to 55 days  $35,000 p.a    American Express Qantis Premium    Apply  20.49% p.a  Disclosed on approval  $249 Up to 55 days  $40,000 p.a  6.99% life of balance transfer  American Express Qantis Ultimate    Apply  20.49% p.a  Disclosed on approval  $450 Up to 55 days  $65,000 p.a  6.99% life of balance transfer  American Express Business    Apply  18.99% p.a  Disclosed on approval  $160 annual fee  Up to 55 days  $40,000 p.a    American Express Rewards    Apply  19.99% p.a  Disclosed on approval  $49 annual fee Up to 55 days  $40,000 p.a  6.99% life of balance transfer  American Express Platinum    Apply  19.99% p.a  Disclosed on approval  $395 Up to 55 days  $65,000 p.a  6.99% life of balance transfer  American Express Gold Business   Apply  -----  Disclosed on approval $169 Up to 51 Credit free days  $24,000 p.a -----  American Express Gold      Apply -----  Disclosed on approval  $130 Up to 55 days  $50,000 p.a  ---------  American Express Platinum      Apply  -----  Disclosed on approval  ----- Up to 55 days  $100,000 p.a  --------- National Click Here For Detailed View  Interest rate  Credit limit   Annual fee  Interest free days  Income Criteria  Balance transfer rate  NAB Low Rate Visa     Apply  11.95% p.a on purchases 15.95%p.a on cash  $500 minimum  $49 Up to 55 days  -----  0% for up to 6 months  NAB Gold      Apply  17.49% p.a  $5000 minimum  $90 Up to44 days  -----  -----  NAB Velocity    Apply  18.25% p.a  $500 minimum $65 waived for the 1st year  Up to44 days  -----  3.99% for up to 6 months  NAB Gold Velocity    Apply  18.25% p.a  $5000 minimum  $150 waived for the 1st year Up to44 days  -----  3.99% for up to 6 months  NAB Visa Mini    Apply  17.49% p.a  $500 minimum  $19.00 get up to $120 cash back a year Up to55 days  -----  5.9% for up to 6 months   Commonwealth Bank Click Here For Detailed View  Interest rate  Credit limit  Annual fee  Interest free days  Income Criteria  Balance transfer rate  CBA Low Rate    Apply  13.24% p.a  -----  $48 Up to55 days  -----  5.99% p.a for 5 months  CBA Low Fee    Apply  19.99% p.a cash rate 20.44% p.a  -----  $24 Up to55 days  -----  5.99% p.a for 5 months  CBA No Annual Fee    Apply  18.99% p.a cash rate 20.44%p.a  -----  $0  No interest free period  -----  5.99% p.a for 5 months  CBA Awards    Apply 20.74% p.a for cash & purchases  -----  $59 Up to55 days  -----  5.99% p.a for 5 months  CBA Gold    Apply 20.74% p.a for cash & purchases  -----  $114 Up to55 days  -----  5.99% p.a for 5 months  CBA Platinum    Apply  20.74% p.a for cash & purchases  -----  $200 Up to55 days  -----  5.99% p.a for 5 months Commonwealth Bank Click Here For Detailed View  Interest rate   Credit limit  Annual fee  Interest free days  Income Criteria   Balance transfer rate Balance Transfer  Transferring your balances from higher interest cards to a low interest balance transfer card makes perfect sense. How do I know what transfer deal is best for me?     If you have smaller balances to transfer then the "0% for 6 months" deal is the way to go. If for say you transferred an $800 balance to a 0% for 6 months deal, the chances of you being able to repay the $800 at an interest free rate and within 6 months is very realistic. For transfers that run into thousands of dollars then the set interest "for the life of" option is the way to go. This gives you all the time you need to repay the balance at the same, low interest rate. For Smaller balances to be transferred, Finance and loans recommendation is for the NEW Citibank Triple offer. The Citibank triple allows you the choice of either a Silver, Gold,or Platinum Credit Card with a low 2.9% interest rate for 12 months on the balances you transfer. All 3 Credit Cards have up to 55 days interest free with the credit limit for the Silver being $7,000, The Gold being $20,000,And the Platinum up to $100,000.  For Larger Balances to be transferred take a look at the American Express Quantas Premium The Quantas Premium card has a  low 6.9% interest rate for the life of the balance transfer.                        What are Rewards Programs Most credit Card lenders offer rewards programs with their credit cards as an incentive. They work so that every time you spend money on your credit card you are rewarded with points. Your points vary from card to card with a number of different offers. You can use your points for shopping, accomodation,and wine just to name a few. So when searching for a credit card take advantage of a card with a rewards program that suits your lifestyle.   Best Everyday Cards CitiBank Clear Aussie Mastercard Hsbc Low Rate Commonwealth Low Rate National Low Rate     A Few Things To Check Out Credit Card Insurance Credit card repayment insurance is a great way to make sure your credit card payments will be taken care of due to illness,injury or unemployment.All you pay is a monthly premium based on your outstanding credit card balance. Protect your credit cards and valuables with Secure Sentinel Secure Sentinel is here to help when your possessions are lost or stolen.Wherever you are in the world, one free call to Secure Sentinel begins the process of finding or replacing your most valued items.A lot of Credit Card companies are using Secure Sentinel.   To Credit or Not To Credit Prefer not to use credit but still want to have the payment flexability that a credit card has? Then maybe a Visa Debit card is what you need. Use your own money to shop online, overseas or over the phone. No Credit Card Application with 3 unique designs to chose from. Business Credit Card Do you run your own Business or wanting to start your own Business? Are you looking for a Business Credit Card? Look no further than the American Express Business Credit Card with: 51 days interest free Freedom to spend with no pre-set limit to take advantage of business opportunities. Tax deductible Annual Fee as long as your card is used soley for your business. Apply Today and the Annual Fee will be waived for the First Year. CLICK HERE   Diners Club Business Card Another good business card with heaps of features. Earn 3 Diners Club Reward points per AU$1 for up to three months from card approval and 1 Diners Club Reward point per $1 thereafter. There's no limit to the number of Reward points you can earn and no points expiry date. The Diners Club Business Card has no pre-set spending limit# and you have up to 51 days to pay for purchases.    Back to top of page Low Interest Credit Cards A low rate card is best if you are looking to purchase item/s and only make min repayment on the card. If you leave an outstanding balance that will incur interest each month, you want to ensure you have the lowest rate possible. Consider the difference between a card with 9% and 18% interest rates, with a $3000 outstanding balance, you will incur over $20 more interest per month on the high rate card. This is a popular option for people who will make regular repayments on a purchase, but can avoid applying for a personal loan often with a higher interest rate.  Reward Program Credit Cards Rewards are a great way to earn bonuses and get some money back from the banks. Usually rewards cards have higher interest rates, higher annual fees, or reward program fees. You should only opt for a rewards card if you plan to spend a lot of money on the card, but pay the balance to zero each month (before incurring interest). If you know you can pay off your balance each month, then a rewards card could be right for you.  Gold & Platinum Credit Cards The Gold and Platinum credit cards generally come with a few more expenses in terms of higher interest rate, annual fees and late payment fees but these cards are aimed at the high end user and give you not only status but preferential service with any card enquiry’s you may have . Gold or platinum credit cards come with terrific products attached. In most cases you are entitled to travel insurance through the rewards program which also caters for frequent flyers and using your card at one of the program partners will result in you receiving even more reward points. You will have to visit our credit card comparison chart when searching for the best gold or platinum credit card to find a full list of benefits associated with the different gold and platinum credit cards.  Interest Free Credit Cards Nearly every credit card on the market has an up to 55 day interest free period attached to the card. This enables you to make credit purchases and dependent on when your statement is due, you will have up to 55 days to pay your account without having to pay any interest. This makes using your credit card a great alternative to carrying large amounts of cash when you go out shopping. However, you will be charged interest if you do not make your payment in full by the due date on your statement. Please note that the 55 day free interest term does not include any cash advances and that any cash advance made on your credit card will be charged interest from the day that you take out the cash advance.  Balance Transfer Credit Cards The competition amongst the banks to get your business has never been greater. With Australia’s credit card debt average at $3000 per cardholder, it is little wonder the banks are offering incentives for you to transfer your credit card account to them. Australian financial institutions offer you anywhere from a zero interest rate on your credit card debt for the duration of you’re your debt to a small credit charge for a 6 month period. For example, you could be paying off $100 per month on your credit card today with $80 being taken off the principal and $20 worth of interest, by transferring your credit card debt to another financial institution you can pay the wholeamount off your debt, there is no interest to pay.  No Annual Fee Credit Cards No Annual Fee credit cards are just your normal credit card that you can get without having to pay any annual fees. A no annual fee credit card is perfect for those who find they need a credit card only on rare occasions. A low interest No Annual Fee credit card can bail you out of a tight situation and with some credit card companies charging anywhere from $ 25 to $150 for the privilege of having a credit card, a no annual fee credit card is a product that can be useful. Even if you already have a credit card, a no annual fee credit card can sit in your wallet or purse and be used in case of an emergency. With no annual fee it’s not going to cost you anything to have access to immediate funds should you need them.

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