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
What is a charge card, and is it different from a credit card?
Charge cards and credit cards may look similar, but they work differently. Credit cards let you pay for your purchases over time. However, charge cards require you to pay the balance in full each month.
Vidhu Bajaj -
04 May, 2023 -
5 min read
Why should you consider paying your mortgage every two weeks?
While many people make mortgage repayments once a month, paying your mortgage every two weeks offers some advantages. Find out why you should consider paying your mortgage fortnightly.
Vidhu Bajaj -
02 May, 2023 -
5 min read
Are credit cards worth it?
A credit card could be a convenient way to pay for purchases, earn rewards and build credit when used responsibly. At the same time, credit cards could also lead to financial stress.
Vidhu Bajaj -
01 May, 2023 -
6 min read
What is a joint credit card and how does it work?
Credit cards are pretty handy, and immensely versatile, however they also come with great risk. The innocent-looking piece of plastic sitting in your wallet is essentially a license to get yourself into enormous, nigh-unpayable debt.
Vidhu Bajaj -
28 Apr, 2023 -
9 min read
How does a credit card interest free period work?
You’ve nabbed a credit card with a high number of interest free days but realised you’re not quite sure when the first day starts, or if your interest free days apply to each new purchase.
Vidhu Bajaj -
20 Apr, 2023 -
8 min read
How to set up an SMSF?
A self-managed super fund (SMSF) can give you more control of your super but you must ensure the setup is accurate and pay attention to the details to avoid penalties.
Vidhu Bajaj -
13 Apr, 2023 -
5 min read
How to transfer Qantas Frequent Flyer points to another person
You may have Qantas Frequent Flyer points sitting in your account but no travel plans on your mind. You can actually transfer these Qantas points to a loved one and make their day.
Vidhu Bajaj -
28 Mar, 2023 -
3 min read
How much should you have in your savings account?
We’re constantly told that we should be building up savings, but how do you work out how much you should have in savings? Here are some things that will help.
Vidhu Bajaj -
28 Mar, 2023 -
8 min read
What are the best hatchbacks in Australia? How to choose the right one for you
Discover the best hatchbacks in Australia based on ANCAP Safety ratings and comparisons by car review sites.
Vidhu Bajaj -
16 Mar, 2023 -
6 min read
How do you get rid of credit card debt?
If you are struggling with credit card debt, there are small steps you can take to get rid of it. Set yourself a goal and practice financial discipline to get ahead of your debt.
Vidhu Bajaj -
15 Mar, 2023 -
5 min read