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Product Name Card	Purchase Rate	Interest Free Days	Annual Fee	Max Free Days	Late Payment Fee	Go to site
Heritage Bank Gold Low Rate Free supplementary cards	Purchase Rate 11.3%	Interest Free Days	Annual Fee $0	Max Free Days	$20	Go to site	More details
Virgin Money Virgin Australia Velocity Flyer Card (Balance Transfer Offer) Balance Transfer 0% p.a. for 22 months on balance transfers. Earn 3 additional bonus Velocity Points per $1 on your everyday spend in the first 3 months (capped at 10,000 points per month). Price guarantee Concierge	Purchase Rate 20.74%	Interest Free Days 55	Annual Fee $129	Max Free Days 55	$30	Go to site	More details
ING Orange One	Purchase Rate 11.99%	Interest Free Days 45	Annual Fee $0	Max Free Days 45	$20	Go to site	More details
CUA Low Rate Credit Card Balance Transfer 0% p.a. on balance transfers for 18 months when you apply by 30 April 2020 Free supplementary cards	Purchase Rate 11.99%	Interest Free Days 55	Annual Fee $0 for 12 months then $49	Max Free Days 55	$12.5	Go to site	More details
ANZ Rewards Platinum Bonus Points 100,000 bonus Reward Points with your new ANZ Rewards Platinum Free domestic travel insurance Purchase protection insurance	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $95	Max Free Days 55	$20	Go to site	More details
Latitude Financial Services Latitude Low Rate Mastercard special Enjoy complimentary insurance benefits, including Price Protection, Purchase Protection and Extended Warranty Purchase protection insurance Price guarantee	Purchase Rate 9.89%	Interest Free Days 55	Annual Fee $69	Max Free Days 55	$30	Go to site	More details
Virgin Money Virgin Australia Velocity Flyer Card (Purchase & Balance Transfer Offer) Purchase Offers 0% p.a. for 14 months on purchases and 0% p.a. for 6 months on balance transfers (reverts to cash advance rate). Price guarantee Concierge	Purchase Rate 0% for 14 months then 20.74%	Interest Free Days 55	Annual Fee $64 for 12 months then $129	Max Free Days 55	$30	Go to site	More details
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ANZ Frequent Flyer Black Bonus Points 120,000 bonus Qantas Points and $275 back to your new ANZ Frequent Flyer Black when you spend $4,000 on eligible purchases in the first 3 months from approval. Free domestic travel insurance Purchase protection insurance	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $425	Max Free Days 55	$20	Go to site	More details
Heritage Bank Platinum Free domestic travel insurance Free international travel insurance Free supplementary cards Purchase protection insurance	Purchase Rate 17.49%	Interest Free Days 55	Annual Fee $125	Max Free Days 55	$20	Go to site	More details
ANZ Rewards Bonus Points 50,000 bonus Reward Points with your new ANZ Rewards card. Partner discounts	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $80	Max Free Days 55	$20	Go to site	More details
ANZ Rewards Black Bonus Points 150,000 bonus Reward Points with your new ANZ Rewards Black Free domestic travel insurance Purchase protection insurance	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $375	Max Free Days 55	$20	Go to site	More details
ANZ Frequent Flyer Platinum Bonus Points 50,000 bonus Qantas Points and $195 back to your new ANZ Frequent Flyer Platinum when you spend $2,000 on eligible purchases in the first 3 months. Free domestic travel insurance Purchase protection insurance	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $295	Max Free Days 55	$20	Go to site	More details
NAB Qantas Rewards Signature Card Bonus Points Receive 120,000 Qantas Points when you spend $3,000 in 60 days and keep your card open for over 12 months. 0% p.a. balance transfer rate for 6 months. Free domestic travel insurance Free international travel insurance	Purchase Rate 19.99%	Interest Free Days 44	Annual Fee $295 for 12 months then $395	Max Free Days 44	$15	Go to site	More details
ANZ Frequent Flyer Bonus Points 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval. Partner discounts	Purchase Rate 20.24%	Interest Free Days 55	Annual Fee $95	Max Free Days 55	$20	Go to site	More details
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Virgin Money Low Rate Card Balance Transfer 0% p.a. for 14 months on balance transfers plus receive 10% cashback on spend in the first 3 months (capped at $100 total).	Purchase Rate 11.99%	Interest Free Days 55	Annual Fee $50	Max Free Days 55	$30	Go to site	More details
NAB Low Fee Platinum Free domestic travel insurance Free international travel insurance Free supplementary cards Purchase protection insurance	Purchase Rate 19.74%	Interest Free Days 44	Annual Fee $90	Max Free Days 44	$15	Go to site	More details

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Data last updated on 18 Feb 2020

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Heritage Bank Gold Low Rate

Purchase Rate

11.3%

Annual Fee

Free supplementary cards

Virgin Money Virgin Australia Velocity Flyer Card (Balance Transfer Offer)

0% p.a. for 22 months on balance transfers. Earn 3 additional bonus Velocity Points per $1 on your everyday spend in the first 3 months (capped at 10,000 points per month).

Purchase Rate

20.74%

Annual Fee

$129

Balance Transfer

ING Orange One

Purchase Rate

11.99%

Annual Fee

CUA Low Rate Credit Card

0% p.a. on balance transfers for 18 months when you apply by 30 April 2020

Purchase Rate

11.99%

Annual Fee

for 12 months then $49

Balance Transfer

Feb 12, 2020( 2 min read )

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FAQs

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Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

When managed properly, credit cards can be a convenient way to access cash and reap rewards. As convenient as they can be, it’s important to keep on top of your repayments so you don’t end up paying more in interest than the item originally cost. Each month, you’ll get a credit card statement detailing how much you owe and how long it will take to pay off the balance by making minimum repayments. If you only make the minimum repayments, it will take you years to pay off your outstanding balance and add extra costs in interest charges. To avoid any extra charges, you should pay the entire bill.

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

There are a few ways to pay a credit card bill. One way is to pay via BPAY. This means you can make your credit card payment on the phone or via the internet.

You can set up an automatic payment from an Australian bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.

Different Australian banks will also allow you to pay off credit card bills in person at one of their branches.

Some credit card companies also allow you to pay your credit card via an app whenever each statement is due.

Credit card interest can quickly turn a manageable balance into unmoveable debt. So being able to understand how interest rates translate into dollars is an important skill to acquire.

The common mistake people make is focusing on the credit card’s annual percentage rate (APR), which often sits between 15 and 20 per cent. While the APR does provide a rough idea of how much interest you’ll pay, it’s not entirely accurate.

This is because you actually accrue interest on your balance daily, not annually. So, you need to work out your daily periodic rate (DPR). To do this, divide your card’s APR by the number of days in a year (e.g. 16.9 per cent divided by 365, or 0.05 per cent). You can then apply this figure to the daily balance on your credit card.

Credit cards can be useful, provided you understand the risks. 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.

Credit card debt can cripple your finances. If you’re wondering how to get rid of credit card debt, here are a few steps to get you back in the black:

Calculate your debt – Knowing the magnitude of your credit debt is important. Online credit debt calculators make it easy to determine the debt size, and repayments required.

Work out a repayment plan – Take some time to formulate a credit repayment plan. Consider increasing your income, scaling back your lifestyle or refinancing.

Talk to your credit provider – If you’re still struggling with your debt, talk to your credit provider. You may be able to come to a new arrangement.

There are two reasons you should check your credit rating: so you have a better understanding of your financial position, and so you can take action (if necessary) to improve your credit rating.

Lenders often use credit ratings or credit scores to assess loan applications. The higher your score, the more likely you are to get approved – and the more likely you are to be charged lower interest rates and lower fees. Conversely, the lower your credit score, the less likely you are to get approved – and the more likely you are to be charged higher interest rates and higher fees.

If you discover you have a substandard credit rating, there are nine steps you can take to improve it. Those steps include consolidating multiple debts, fixing errors on your credit file, making repayments on time, paying off loans and closing extra credit cards.

To get a new credit card, generally you need to be at least 18 years old and have a good credit rating. You don’t need to be an Australian citizen. Usually you can apply online or in person at a branch of the card issuer. You’ll typically have to supply information like:

What you regularly earn (e.g. wages, salary) and what you regularly spend (e.g. rent/mortgage, loan repayments, living expenses)
Your employer’s contact details
Details of your assets and any debts you are paying off

Before applying for any credit card, be sure you can afford the repayments. It also helps to do some research, comparing different credit cards and what they offer in terms of fees, interest, rewards etc.

Yes, some lenders will provide credit cards to Australians with bad credit scores but it depends on their individual lending criteria and whether you’ve presented your personal finances to show you’re an ‘ideal’ borrower.