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![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
04 May, 2023
5 min read
![What is a charge card, and is it different from a credit card?](https://images.ratecity.com.au/large/20230504/top-view-laptop-black-shopping-card-1-3frxyDqnd.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
What is a metal credit card, and do you need one?
For many people, a metal credit card signifies prestige and wealth. These cards not only look and feel premium in your hand but often also offer extra privileges such as accelerated reward points and premium travel benefits.
Credit Cards
02 May, 2023
4 min read
![What is a metal credit card, and do you need one?](https://images.ratecity.com.au/large/20230502/credit-card-1-2e-vBeDHA.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
01 May, 2023
6 min read
![Are credit cards worth it?](https://images.ratecity.com.au/large/20230501/close-up-view-african-man-s-hands-holding-plastic-credit-card-smartphone-1-nmLw6QhrP.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
28 Apr, 2023
9 min read
![What is a joint credit card and how does it work?](https://images.ratecity.com.au/large/20170117132436/family-credit-card-compressor-710x420.jpeg)
![Peter Terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato
Personal Finance Editor
What are the benefits of having a credit card?
A credit card can be an incredibly advantageous tool for individuals and households. They can boost your purchasing power; help to establish, improve and, if necessary, repair your credit history; as well as provide exclusive perks and bonuses.
Credit Cards
24 Apr, 2023
5 min read
![What are the benefits of having a credit card?](https://images.ratecity.com.au/large/20230424/credit-card-1-93Vfd-_8I.jpg)
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
How do you apply for a credit card? The application process explained
It is important to shop around before you apply for a credit card to ensure you get a card that suits your spending habits. Here are some tips to help you find a card that's right for your needs.
Credit Cards
21 Apr, 2023
7 min read
![How do you apply for a credit card? The application process explained](https://images.ratecity.com.au/large/20220127/do-you-really-need-a-20-per-cent-deposit-before-applying-for-a-home-loan-Lt3G0SpDH.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
20 Apr, 2023
8 min read
![How does a credit card interest free period work?](https://images.ratecity.com.au/large/20200212/i-stock-868865280-35_VrnrJN.jpg)
![Peter Terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato
Personal Finance Editor
What are some of the common credit cards for frequent flyers?
The most beneficial credit card for you may not be ideal for another person. There are a variety of factors that can influence which frequent flyer credit card you choose. It’s sensible to consider how you’ll want to spend your points to determine the card you select.
Credit Cards
18 Apr, 2023
5 min read
![What are some of the common credit cards for frequent flyers?](https://images.ratecity.com.au/large/20230418/traveller-Niv2CKO77.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
28 Mar, 2023
3 min read
![How to transfer Qantas Frequent Flyer points to another person](https://images.ratecity.com.au/large/20230328/top-view-white-plane-green-background-1-4A8xAHb5B.jpg)
![Peter Terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato
Personal Finance Editor
Do I need a credit card for overseas travel?
There are a range of credit cards that offer advantageous extras such as rewards points and programs for spending, travel insurance, airport lounge access and complimentary hotel concierge services.
Credit Cards
16 Mar, 2023
5 min read
![Do I need a credit card for overseas travel?](https://images.ratecity.com.au/large/20230316/credit-card-transaction-C9mcAJlzY.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
15 Mar, 2023
5 min read
![How do you get rid of credit card debt?](https://images.ratecity.com.au/large/20230315/stressed-young-handsome-man-holding-credit-card-putting-hand-head-with-closed-eyes-isolated-white-wall-1-71CI6UW22.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
How to redeem Woolworths’ Everyday Rewards points
There are many ways for you to redeem points earned through the Woolworths rewards program. To use your points, you’ll need to unlock them as per the schedule shared in the program.
Credit Cards
07 Mar, 2023
4 min read
![How to redeem Woolworths’ Everyday Rewards points](https://images.ratecity.com.au/large/20230307/happy-excited-blonde-female-holds-plastic-card-doesn-t-expect-receive-salary-going-make-payments-looks-joyfully-into-camera-1-3Hx8RB7Dg.jpg)
Trending articles
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
24 Nov, 2023
How do you make a balance transfer?
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
26 Oct, 2023
Increasing your chance of credit card approval
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
26 Oct, 2023
How does credit card insurance work?
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