Vidhu Bajaj
Personal Finance Writer
Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
192 articles written by Vidhu Bajaj
Making minimum repayments on your credit card: what you need to know
Racking up a large sum of debt on your credit card is easily done but paying it off with the minimum repayments is not.
Vidhu Bajaj -
20 Jul, 2023 -
4 min read
PayPal versus credit cards: Which is the better online payment option?
One of the main drawcards to PayPal is that payments can easily be traced, unlike many other online payment methods. Credit card details are not held on the site either, so your confidential information is not exposed to any third party.
Vidhu Bajaj -
20 Jul, 2023 -
9 min read
Looking for your first car? Your checklist for choosing your first car
To help you with making a smart decision when selecting your first set of wheels, you’ll need to find a balance between what makes sense and what looks good or what your fantasy may be.
Vidhu Bajaj -
19 Jul, 2023 -
7 min read
Does Afterpay affect your home loan application?
When applying for a home loan, all your current debts are taken into consideration. So, what’s the impact of your Afterpay account on your home loan application?
Vidhu Bajaj -
19 Jul, 2023 -
6 min read
Are credit checks mandatory for credit cards?
In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
The pros and cons of getting a higher credit limit
From time to time, your lender will proactively ask you if you’d like to increase the limit on your credit card. But should you agree?
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
What is a balance transfer?
A balance transfer is the process of transferring the debt from one credit card onto a new credit card.
Vidhu Bajaj -
14 Jul, 2023 -
6 min read
Zip Pay vs. Afterpay: What you need to know before joining
Curious about two of the more popular BNPL platforms, Afterpay and Zip Pay? Let's explore their benefits, as well as how they differ from each other.
Vidhu Bajaj -
06 Jul, 2023 -
9 min read
Buy now, pay later vs. credit cards: which should you choose?
Whether you’re a young Australian looking for your best option to gain access to credit, or a long-time credit card user wondering what the fuss is about BNPL services, let’s explore the benefits and risks of both options.
Vidhu Bajaj -
03 Jul, 2023 -
6 min read
What is the difference between business and personal credit cards?
Whilst you can still use your personal credit card for business related transactions you may find that over time it will be easier to manage your personal and business purchases separately. Business credit cards generally have more features than a traditional credit card which enables the business to apply spending controls.
Vidhu Bajaj -
15 Jun, 2023 -
6 min read