Credit Card Comparison | Interest Rate & Offers - BestFind.com.au

Credit cards

ANZ
18.79%
None
Up to 55
$95

Rewards Platinum

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ANZ's Rewards Platinum has a pruchase rate of 0.1879 and a purchase rate of 95 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

GO TO ANZ

Rewards Program

Rewards program ANZ Rewards

Signup bonus points 65,000

Reward points per $1 (MC/Visa) 0.5 - 1.5

Rewards points per $1 (Amex)

Points expiry N/A

GO TO ANZ

Additional Benefits

Travel insuranceUp to 180 days International. Up to 14 days locally

Individual fraud protectionYes

Purchase protectionYes

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

GO TO ANZ

Rates & Fees

Maximum free daysUp to 55

Annual fee$95

Purchase rate18.79%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

GO TO ANZ

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

GO TO ANZ

Other

Minimum card limit$6

Maximum limit$25

Sponsored Yes

Data accurate as of21/01/2017

Disclaimer See providers terms and conditions for details

GO TO ANZ

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Woolworths
19.99%
0%
Up to 55
$49

Everyday Platinum Credit Card

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Woolworths's Everyday Platinum Credit Card has a pruchase rate of 0.1999 and a purchase rate of 49 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 14 months

Balance transfer reverts to 21.99%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO Woolworths

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex) 1

Points expiry TBA

GO TO Woolworths

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyNo

GO TO Woolworths

Rates & Fees

Maximum free daysUp to 55

Annual fee$49

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$35

Over limit fee$30

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.50%

Minimum repayment (amount)$50

GO TO Woolworths

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$5 or 3%

Overseas cash advance feeTBA

GO TO Woolworths

Other

Minimum card limit$1

Maximum limit$1

Sponsored Yes

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Woolworths

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Citi
19.99%
0%
Up to 55
$0

Citi Simplicity

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Citi's Citi Simplicity has a pruchase rate of 0.1999 and a purchase rate of 0 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 15 months

Balance transfer reverts to 19.99%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 1.50%

GO TO Citi

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Citi

Additional Benefits

Travel insuranceUp to 180 days International & Domestic

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyYes

GO TO Citi

Rates & Fees

Maximum free daysUp to 55

Annual fee$0

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$0

Over limit fee$40

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$30

GO TO Citi

Overseas Fees

Currency conversion fee3.40%

Overseas ATM fee (higher of)$5.00

Overseas cash advance feeTBA

GO TO Citi

Other

Minimum card limit$6

Maximum limit$100

Sponsored Yes

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Citi

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BankSA
12.74%
0%
Up to 55
$99

Vertigo Platinum Card

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BankSA's Vertigo Platinum Card has a pruchase rate of 0.1274 and a purchase rate of 99 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 12.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO BankSA

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO BankSA

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

GO TO BankSA

Rates & Fees

Maximum free daysUp to 55

Annual fee$99

Purchase rate12.74%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$15

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$10

GO TO BankSA

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO BankSA

Other

Minimum card limit$6

Maximum limit$80

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO BankSA

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St.George Bank
12.74%
0%
Up to 55
$99

Vertigo Platinum

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St.George Bank's Vertigo Platinum has a pruchase rate of 0.1274 and a purchase rate of 99 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 12.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO St.George Bank

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO St.George Bank

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceYes

Price protectionYes

Extended warrantyYes

GO TO St.George Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$99

Purchase rate12.74%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$15

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$10

GO TO St.George Bank

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO St.George Bank

Other

Minimum card limit$6

Maximum limit$80

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO St.George Bank

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St.George Bank
13.24%
0%
Up to 55
$55

Vertigo

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St.George Bank's Vertigo has a pruchase rate of 0.1324 and a purchase rate of 55 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 13.24%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO St.George Bank

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO St.George Bank

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO St.George Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$55

Purchase rate13.24%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$15

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$10

GO TO St.George Bank

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO St.George Bank

Other

Minimum card limit$500

Maximum limit$40

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO St.George Bank

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NAB
19.99%
0%
Up to 44
$150

Velocity Rewards Premium Card

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NAB's Velocity Rewards Premium Card has a pruchase rate of 0.1999 and a purchase rate of 150 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 6 months

Balance transfer reverts to 21.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 3%

GO TO NAB

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex) 1.5

Points expiry TBA

GO TO NAB

Additional Benefits

Travel insuranceUp to 180 days International

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyYes

GO TO NAB

Rates & Fees

Maximum free daysUp to 44

Annual fee$150

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

GO TO NAB

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO NAB

Other

Minimum card limit$6

Maximum limit$50

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO NAB

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NAB
19.99%
0%
Up to 44
$95

Velocity Rewards Card

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NAB's Velocity Rewards Card has a pruchase rate of 0.1999 and a purchase rate of 95 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 6 months

Balance transfer reverts to 21.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 3%

GO TO NAB

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 0.5

Rewards points per $1 (Amex) 1

Points expiry TBA

GO TO NAB

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO NAB

Rates & Fees

Maximum free daysUp to 44

Annual fee$95

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$25

GO TO NAB

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO NAB

Other

Minimum card limit$500

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO NAB

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American Express
20.74%
0%
Up to 44
$249

Velocity Platinum Credit Card

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American Express's Velocity Platinum Credit Card has a pruchase rate of 0.2074 and a purchase rate of 249 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 20.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 1%

GO TO American Express

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex) 1

Points expiry TBA

GO TO American Express

Additional Benefits

Travel insuranceUp to 120 days International & Domestic

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO American Express

Rates & Fees

Maximum free daysUp to 44

Annual fee$249

Purchase rate20.74%

Promotional purchase rateNone

Late payment fee$30

Over limit fee$30

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.50%

Minimum repayment (amount)$30

GO TO American Express

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO American Express

Other

Minimum card limit$3

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO American Express

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American Express
20.74%
0%
Up to 44
$0

Velocity Escape Credit Card

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American Express's Velocity Escape Credit Card has a pruchase rate of 0.2074 and a purchase rate of 0 with Up to 44 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 20.74%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee 1%

GO TO American Express

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex) 1

Points expiry TBA

GO TO American Express

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceYes

Price protectionNo

Extended warrantyNo

GO TO American Express

Rates & Fees

Maximum free daysUp to 44

Annual fee$0

Purchase rate20.74%

Promotional purchase rateNone

Late payment fee$30

Over limit fee$30

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.50%

Minimum repayment (amount)$30

GO TO American Express

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO American Express

Other

Minimum card limit$3

Maximum limit$50

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO American Express

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Newcastle Permanent
11.49%
None
Up to 55
$49

Value+ Credit Card

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Newcastle Permanent's Value+ Credit Card has a pruchase rate of 0.1149 and a purchase rate of 49 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

GO TO Newcastle Permanent

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Newcastle Permanent

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Newcastle Permanent

Rates & Fees

Maximum free daysUp to 55

Annual fee$49

Purchase rate11.49%

Promotional purchase rateNone

Late payment fee$5

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$10

GO TO Newcastle Permanent

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$2.5 or 2%

Overseas cash advance feeTBA

GO TO Newcastle Permanent

Other

Minimum card limit$500

Maximum limit$20

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Newcastle Permanent

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Hume Bank
13.15%
None
Up to 55
$0

Value

Expand info ˅

Hume Bank's Value has a pruchase rate of 0.1315 and a purchase rate of 0 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

GO TO Hume Bank

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Hume Bank

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Hume Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$0

Purchase rate13.15%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$20

GO TO Hume Bank

Overseas Fees

Currency conversion fee2.85%

Overseas ATM fee (higher of)$0.00

Overseas cash advance feeTBA

GO TO Hume Bank

Other

Minimum card limit$500

Maximum limit$20

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Hume Bank

Hide info ˄

Intech Credit Union
9.99%
None
Up to 55
$46

Titanium Credit Card

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Intech Credit Union's Titanium Credit Card has a pruchase rate of 0.0999 and a purchase rate of 46 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

GO TO Intech Credit Union

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Intech Credit Union

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Intech Credit Union

Rates & Fees

Maximum free daysUp to 55

Annual fee$46

Purchase rate9.99%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$20

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$20

GO TO Intech Credit Union

Overseas Fees

Currency conversion fee2.00%

Overseas ATM fee (higher of)$3.5 or 2%

Overseas cash advance feeTBA

GO TO Intech Credit Union

Other

Minimum card limit$1

Maximum limit$30

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Intech Credit Union

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Teachers Mutual Bank
11.50%
7.90%
Up to 55
$0

Teachers Credit Card

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Teachers Mutual Bank's Teachers Credit Card has a pruchase rate of 0.115 and a purchase rate of 0 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate7.90%

Balance transfer period 6 months

Balance transfer reverts to 11.50%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO Teachers Mutual Bank

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Teachers Mutual Bank

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Teachers Mutual Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$0

Purchase rate11.50%

Promotional purchase rateNone

Late payment fee$10

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$10

GO TO Teachers Mutual Bank

Overseas Fees

Currency conversion fee2.45%

Overseas ATM fee (higher of)$4.00

Overseas cash advance feeTBA

GO TO Teachers Mutual Bank

Other

Minimum card limit$1

Maximum limit$25

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Teachers Mutual Bank

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Suncorp Bank
12.74%
0%
Up to 55
$55

Standard Card

Expand info ˅

Suncorp Bank's Standard Card has a pruchase rate of 0.1274 and a purchase rate of 55 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 14 months

Balance transfer reverts to 21.99%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO Suncorp Bank

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex) 1

Points expiry TBA

GO TO Suncorp Bank

Additional Benefits

Travel insuranceNo

Individual fraud protectionYes

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Suncorp Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$55

Purchase rate12.74%

Promotional purchase rateNone

Late payment fee$10

Over limit fee$40

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.00%

Minimum repayment (amount)$30

GO TO Suncorp Bank

Overseas Fees

Currency conversion fee3.40%

Overseas ATM fee (higher of)$0.02

Overseas cash advance feeTBA

GO TO Suncorp Bank

Other

Minimum card limit$2

Maximum limit$20

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Suncorp Bank

Hide info ˄

Bendigo Bank
19.99%
None
Up to 55
$45

RSPCA Mastercard®

Expand info ˅

When you choose an RSPCA Mastercard, you’ll join us in supporting the RSPCA Adoptapet program; $45 annual fee, and a percentage of your spend donated to RSPCA Adoptapet. You can opt for a monthly tax-deductible donation of $5 to be debited from your account and credited to RSPCA Adoptapet

Balance Transfer & Intro Offers

Balance transfer rateNone

Balance transfer period n/a

Balance transfer reverts to n/a

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee n/a

GO TO Bendigo Bank

Rewards Program

Rewards program None

Signup bonus points None

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry n/a

GO TO Bendigo Bank

Additional Benefits

Travel insuranceYes

Individual fraud protectionYes

Purchase protectionNo

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Bendigo Bank

Rates & Fees

Maximum free daysUp to 55

Annual fee$45

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$15

Over limit fee$15

Cash advance ATM feeTBA

Additional cardholder feeNone

Minimum repayment (percent)3.00%

Minimum repayment (amount)$10

GO TO Bendigo Bank

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$4 or 2%

Overseas cash advance feeTBA

GO TO Bendigo Bank

Other

Minimum card limit$500

Maximum limit$25

Sponsored No

Data accurate as of22/01/2018

Disclaimer See providers terms and conditions for details

GO TO Bendigo Bank

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Coles
19.99%
0%
Up to 62
$89

Rewards MasterCard

Expand info ˅

Coles's Rewards MasterCard has a pruchase rate of 0.1999 and a purchase rate of 89 with Up to 62 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 6 months

Balance transfer reverts to 19.99%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO Coles

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa) 2

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Coles

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Coles

Rates & Fees

Maximum free daysUp to 62

Annual fee$89

Purchase rate19.99%

Promotional purchase rateNone

Late payment fee$20

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)2.22%

Minimum repayment (amount)$10

GO TO Coles

Overseas Fees

Currency conversion fee0.00%

Overseas ATM fee (higher of)$4 or 3%

Overseas cash advance feeTBA

GO TO Coles

Other

Minimum card limit$500

Maximum limit$1

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Coles

Hide info ˄

Summerland CU
18.99%
0%
Up to 55
$79

Rewards Card

Expand info ˅

Summerland CU's Rewards Card has a pruchase rate of 0.1899 and a purchase rate of 79 with Up to 55 interest free days

Balance Transfer & Intro Offers

Balance transfer rate0%

Balance transfer period 12 months

Balance transfer reverts to 18.99%

Balance transfer limit n/a

Balance transfer offer end date n/a

Balance transfer handling fee None

GO TO Summerland CU

Rewards Program

Rewards program Reward name

Signup bonus points TBA

Reward points per $1 (MC/Visa)

Rewards points per $1 (Amex)

Points expiry TBA

GO TO Summerland CU

Additional Benefits

Travel insuranceNo

Individual fraud protectionTBA

Purchase protectionTBA

Conceirge serviceNo

Price protectionNo

Extended warrantyNo

GO TO Summerland CU

Rates & Fees

Maximum free daysUp to 55

Annual fee$79

Purchase rate18.99%

Promotional purchase rateNone

Late payment fee$0

Over limit fee$0

Cash advance ATM feeTBA

Additional cardholder feeTBA

Minimum repayment (percent)3.00%

Minimum repayment (amount)$20

GO TO Summerland CU

Overseas Fees

Currency conversion fee3.00%

Overseas ATM fee (higher of)$3.50

Overseas cash advance feeTBA

GO TO Summerland CU

Other

Minimum card limit$1

Maximum limit$50

Sponsored No

Data accurate as of10/04/2017

Disclaimer See providers terms and conditions for details

GO TO Summerland CU

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Tips for comparing credit cards

Overview

A credit card is an unsecured revolving line of credit accessed through the use of a plastic card. A cardholder can use the credit card to make purchases up to a specific credit limit, set by the lending institution. The cardholder then has the option to pay the debt in full or in part. If debt remains on the card, this is treated as extended credit and interest rates are applied until the amount has been paid off.

When comparing credit cards, it’s important to remember that not all credit cards are made equal. So be sure to read through this guide to ensure you choose the card that’s right for you.

Pros of credit cards:

  • Build a positive credit history to secure personal loans such as car loans or mortgage in the future.
  • The debt can be increased (up to the credit limit).
  • Credit cards offer anti-fraud protections unlike debit cards or cash.
  • Many credit cards offer rewards programs.
  • Can be used abroad in place of traveller’s checks.

Cons of credit cards:

  • It can be easy to overspend with a credit card.
  • Credit cards will typically offer a higher interest rate than personal loans or other forms of credit.
  • The debt can be increased (up to the credit limit) so it can make paying off the balance difficult.

When should I use a credit card instead of a personal loan?

Credit cards are better for smaller purchases that you can pay off at the end of the month before you begin accruing interest. Personal loans are ideal for larger lump sum payments that you want to pay off over the course of months or years within a set time frame, because personal loans typically offer lower interest rates.

What types of credit cards are there?

Depending on your spending style whether you are a no-frills shopper or a big spender, there is likely a credit card that’s right for you. Here are the most common types to consider:

  • Low interest rate credit card. These cards are what they sound like: typically they offer a lower interest rate on purchases than other credit cards. These cards can be a good offer for someone who is likely to carry a balance month to month.
  • Low or no annual fee credit card. If you pay off you credit card each month, the interest rate is likely less important to you because you will not be incurring interest so a low or no annual fee credit card can be a good match.
  • Rewards credit cards. There are many credit cards that offer rewards and complimentary features for the cardholder including travel insurance, concierge services, car rental insurance, hotel stays, frequent flyer miles, and more. The bigger the rewards package, likely the bigger the annual fee. These credit cards typically have a higher interest rate so they can be a good fit for cardholders that pay off their balance every month.
  • Platinum credit cards. These are like reward credit cards turned up to 11, with the annual fees and interest rate to match.
  • Travel credit cards. For people that travel a lot, conversion rates can become prohibitive so these people should consider a travel credit card that offers no foreign exchange fees when they are abroad.

Does it matter whether you choose MasterCard, Visa, or American Express?

Here’s a quick overview of three dominant credit card schemes:

  • Zero liability policy. All three schemes will offer protection for unauthorized transactions in the event that someone is fraudulently using your account.
  • “Tap and go”. All three schemes offer contactless payments for purchases under $100.
  • Overseas use. Visa and MasterCard can both be used worldwide with over 30 million accepted locations. American Express is generally less accepted.
  • American Express generally offers more generous rewards programs than the other two schemes.
  • Surcharge fees. In addition to typically offering better rewards programs, American Express generally also charges higher surcharges fees to merchants, which is sometimes passed onto the cardholder.

What are introductory offers?

Introductory offers are available to new customers who have applications accepted for a credit card. These introductory offers are often only available for a limited period of time and might require that you meet a spending requirement in the first month or first three months to qualify. Introductory offers can range from low or no interest rates for a period of time, waived annual fees, bonus points, or other reward incentives.

Here are some of the most common introductory offers:

  • Balance transfers. Some credit cards will let you transfer existing credit card debt to a new credit card with a 0% interest rate for an introductory period (usually 3 to 24 months).
  • Purchase rate promotions. Some introductory offers give the cardholder a low or no interest rate promotional period for new purchases.
  • Low or no annual fee. Some introductory offers will waive or discount the initial annual fee for the first year (but then the fee will resume at the normal rate in the years after.)
  • Bonus reward points. Some rewards cards will offer free bonus points, which you can redeem for cash, travel rewards, or more. These bonus points usually need to be earned by reaching a certain spending goal within the first few months of using a new credit card.
  • Bonus frequent flyer points. Similar to bonus reward points, these offers can earn you free frequent flyer points.
  • Cash back offers. Similar to the bonus reward points, some credit cards will offer cash back based on reaching a certain spending requirement.

What other credit card features should I consider?

  • Interest free periods. This is the amount of time that you can carry debt on a credit card without accruing interest on it. This is typically 44 or 55 days. It is important to note that if you are late or miss a payment, you will lose this interest free period during the next statement cycle.
  • Complimentary insurance. Many credit cards offer complimentary insurance such as travel insurance, car rental insurance, purchase protection, extended warranties, price protection. It is important to note that to take advantage of most of these offers, the purchase needs to be made with the credit card in question.

Do credit cards have fees?

Yes, credit cards do have fees associated with them. While each credit card is different and you should read the Terms of Use, here is a general outline of the most common fees you should expect to see:

  • Annual fee. Some credit cards charge an annual fee to use the credit card. This fee can range anyway from $0 to over $500.
  • Late payment fee. If you are late or miss a payment, you will likely see a late payment fee in the range of $10 to $30 in addition to the interest rate on the credit used.
  • Cash advances. While it is possible to withdraw cash against a credit card, the interest rate on cash advances is steep sometimes spiking over 20%.
  • Overseas conversion fees. Currency conversion fees for each purchase can total between 0-4%.