Uni students can save thousands with this discount guide

Uni students can save thousands with this discount guide

If you’re a university student who’s finding it hard to get by on a limited budget, you’ve come to the right place.

The challenge for students is trying to find the balance between studying, working and socialising.

It often seems like there are too many things to do but not enough money to make them happen.

So we’ve put together a bumper list of freebies and discounts for textbooks, technology, food, entertainment, fashion, music, fitness, insurance and travel.

Student Edge

Student Edge is a great source of freebies and discounts.

For example, students can get free access to Microsoft Office 365 Education.

Students can also get discounts of up to $250 on selected Apple products, such as iPads and MacBooks, as well as price reductions on Lenovo laptops.

Other technology savings include:

  • 10 per cent off Optus SIM prices and 15 per cent off selected gaming products.
  • 6 per cent discounts at Booktopia and Angus & Robertson 
  • 10 per cent off magazine subscriptions.
  • 7 per cent off Australian Unity health insurance
  • 10 per cent off Ultra Tune car servicing
  • 50 per cent off Spotify Premium.

When it comes to fashion, students can save:

  • 40 per cent on Boohoo products
  • 20 per cent on Bonds, Globe and Hallenstein Brothers 
  • 15 per cent on The Iconic, SurfStich and City Beach.

After filling their wardrobe, they can fill their stomachs at Domino’s Pizza (30 per cent off) or Baskin-Robbins (15 per cent off).

When holidays roll around, students can get 10 per cent off Contiki tours, 15 per cent off Columbus Direct travel insurance and $50 off international flights with STA Travel.

Unidays

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Unidays is another website that offers lots of exclusive deals for students.

Students can save 30 per cent on HP products, 15 per cent on Dell systems and 10 per cent on Apple gear.

Tellnet offers discounted internet plans, while Telstra and TeleChoice offer discounted phone plans.

There are also many clothing discounts, including 25 per cent for Moss Bros, 20 per cent for Factorie, 15 per cent for The Iconic and 10 per cent for Topman.

Students can also get a 10 per cent reduction on Fitness First memberships and Amcal products.

They can also get 10 per cent discounts at Booktopia, as well as $1-per-week subscriptions to The Age and Sydney Morning Herald.

Student Discounts

Student Discounts is a specialist education software retailer that claims to offer “big discounts” on computer software, accessories, books and laptop bags from brands such as Microsoft, Avid, Nuance, Corel, Sony and Wacom.

Its product list includes Adobe Photoshop Lightroom, Microsoft Office 365 University, Wacom Intuos Pro, SPSS statistics software, Corel Draw Graphics Suite, Dragon Naturally Speaking voice recognition software, Adobe Creative Cloud Student/Teacher Edition and Sibelius music software.

Other special deals

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StudentVIP claims to have “Australia’s biggest textbook market”, where students can buy and sell used textbooks. The site also allows students to buy and sell subject notes.

Student Flights offers discounted airfares and travel insurance.

The Apple Store for Education has some discounts – although not every product that is listed has a reduced price.

The Student Wow Card is a student discount card for Queensland students. It claims to have specials from more than 260 businesses, including Woolworths, Event Cinemas, Apple Music and The Iconic.

* Please note that while all special offers were current at the time of publication, they might cease to apply in the future.

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Learn more about credit cards

What is the CUA credit card increase limit process?

A credit limit is pre-assigned based on factors like your income, expenses, and debt by the card-issuing company. It varies from time to time based on credit utilisation and changes to your circumstances.

If your income has increased or your liabilities have reduced, you can request for an increase of your CUA credit card limit. You can lodge the request via online banking on the website, or by visiting the closest branch, or by downloading the application form and mailing it. While making the application, you may need to provide information about your income, employment status, desired limit, and the reason for the increase. The card-issuing company will assess your request before approval.

Before you apply for an increase to the credit limit, ensure your bills are paid in full and you aren’t asking for a very steep enhancement.

What does Westpac credit card insurance cover?

If you own a Westpac credit card, one of the perks may be  free travel insurance. If you’re eligible, you may be covered if you get sick while travelling, have lost your luggage, have to cancel a trip or have an accident while you’re on the move.

Besides these standard inclusions, the Westpac credit card insurance policy may also cover you for hospital essentials, emergency dental treatment and alternative transport if your original plans go awry. It may also cover loss of income when you get back home after being sick  overseas and your pets’ boarding costs too.

If you have any queries, the Westpac credit card insurance contact number is 1800 091 710. You can submit a claim online.

 

How to increase my Commonwealth credit card limit?

Commonwealth Bank credit cards are extremely popular in Australia for everyday purchases and big ticket items alikers. A number of the card’s functions can be customised, depending on your needs and desires. If you wish to increase your Commonwealth credit card limit using the CommBank, you can usually do so on the app or via NetBank.

In the CommBank app, tap on the ‘Cards’ icon and choose your credit card. Then, click on ‘Credit Limit’ and select the ‘Increasing your limit’ option. If you don’t have the CommBank app, you can also increase your Commonwealth Bank credit card limit through NetBank. Simply log on and go to Settings, then click on ‘Product Requests’ and then choose ‘Credit Card Limit Changes’. 

Once the bank has received your application, they will review your account and payment history. Based on this assessment, your application will either be approved or denied. If approved, your new limit will be applied to your card instantly. 

While increasing your credit card limit may be an easy process, it’s important to remember that you should only request limits that you can manage. A high limit increases the risk of having a larger debt, even with cards that provide low-interest rate options. So, it’s important to think carefully and seek advice from people you trust before increasing your Commonwealth Bank credit card limit.

How can I increase my credit card limit on my American Express card?

If you want to increase the credit limit on your American Express (AMEX) credit card, you will need to apply through the AMEX Online Services, or by calling the number on the back of your card. You may need to share personal information that the bank can use to assess whether the requested limit is suitable for you and your current financial status. Once your application is approved, your new limit will be ready for use within an hour.

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How many numbers are on a credit card?

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. 

The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. 

Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

How do credit cards work?

Think of credit cards as a short-term loan where you use the bank’s money to buy something up front and then pay for it later. Unlike a debit card which uses your own money to pay, a credit card essentially borrows the bank’s money to fund the purchase. When you apply for a credit card, the bank assesses your income and assigns you a credit limit based on what you can afford to pay back. At the end of each billing cycle, which is usually monthly, the bank will send you a statement showing the minimum amount you have to pay back, including any interest payable on the balance.

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

How long does it take to get a credit card?

There are a few stages you need to go through to get a credit card; each one takes a different length of time.

Applying for the card online, over the phone or in person is the fastest step. This usually takes around 15 minutes, provided you have all of your documents handy.

After submitting your application, it usually takes between one to 10 business days for the lender to assess your eligibility. Some lenders offer instant approval, although you will need to send supporting documents before it is official.

Once your application has been approved, expect to wait between one to 14 days to receive your card in the mail. Keep in mind that delays can happen during busy periods, such as if the lender has launched a special deal.

How do I apply for a credit card online?