Credit Cards - Credit Card Comparisons - Compare Credit Cards: Credit Card Selections

Step 1

Determine the type of
card you are looking for. This step allows you to quickly compare rates
and benefit details for credit cards in the same card type category.

Select Card Type:
	Standard
	Gold/Platinum/Silver

Step 2

Search for the features of cards you are looking for. As an example, "Lowest Interest Rate", to search our database of credit cards to find that particular feature.

Select Card Features:
	Lowest Interest Rate
	Balance Transfer
	No Annual Fee
	Airline Rewards
	Rewards
	Business
	Debit Cards

Step 3

Compare credit card offers in order to determine which card is best for you. You can refine your search results by either clicking on the More Information Button to see full product features or you can compare features on up to 3 selected products before applying for the credit card of your choice.

Credit Card Selections

Signing up for a credit card can be a major financial decision; if you don't do your homework it can end up costing more than it's worth. When you're shopping for a card, study the numbers and compare. You'll want to find out about the Interest Rate, annual fee, grace period, and more. Consider the following questions before deciding on any credit card or mortgage:

Is there an introductory rate? How long does it last? Does it apply only to purchases, balance transfers, or both?
When the introductory rate ends, what will my long-term rate be?
Is there an application fee or other processing fees when I sign up?
Is there an annual fee? Is it possible to have it waived the first year?
What kinds of penalty fees apply? Are there late fees, over-the-limit fees, or balance transfer fees?
When and how will my variable Interest Rate be changed?
What is the grace period before interest charges apply?

Credit Card Selection
Two Australian credit cards with the same attractive interest rate can have vastly different fees and other costs. One card may offer rewards or perks that are appealing to you, while the other offers only credit. Think about other services you may need, such as cash advances or balance transfers. Some cards offer more favourable terms for these kinds of transactions than others. Make sure you choose a card that is worth what it costs you. You should also consider whether the credit limit is high enough, how widely the card is accepted, and the plan's other services and features

Be honest with yourself
What are your actual financial habits and credit needs? The way you plan to pay your bills is important when it comes to choosing a card. Carrying a balance every month, instead of paying your balance in full, can drastically change what you are shopping for. Likewise, the credit limit, rewards programs, and other card member benefits you apply for require thoughtful consideration. Don't pay extra for anything you can't use, and don't over-extend yourself financially - it can lead to major problems later on.

Consider your spending habits
Will you be running up large bills and carrying a balance? A low-interest card is a must-have. Will you be using your card often but paying off your bill in full each month? A rewards card can be a steal when you're not paying interest! Do you have difficulty handling your credit responsibly? Aim for a card with a lower credit limit, which can help you learn good habits without the danger of incurring excessive debts.

Your Security?
All our online applications have direct secure links to financial institution so you don't have to give your information to a third party.



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