Find and compare credit cards with an extended warranty

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Purchase Rate

0.00%

for 17 months then 20.24%

Interest Free Days

55

Annual Fee

$0

for 12 months then $87

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$375

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$30

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$295

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$0

for 12 months then $30

$20

More details

Purchase Rate

16.99%

Interest Free Days

55

Annual Fee

$125

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$425

$20

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Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$99

for 12 months then $199

$30

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Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$49

for 12 months then $149

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$99

for 12 months then $129

$10

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

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Purchase Rate

6.99%

for 6 months then 18.49%

Interest Free Days

55

Annual Fee

$129

$10

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Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

0.00%

for 7 months then 19.74%

Interest Free Days

55

Annual Fee

$0

for 12 months then $99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

12.99%

Interest Free Days

55

Annual Fee

$99

$15

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Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

for 12 months then $395

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$160

$25

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Purchase Rate

20.49%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

17.99%

Interest Free Days

55

Annual Fee

$0

$25

More details

Purchase Rate

0.00%

for 15 months then 10.99%

Interest Free Days

55

Annual Fee

$69

$25

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$0

$0

More details

Purchase Rate

0.00%

for 7 months then 19.74%

Interest Free Days

55

Annual Fee

$0

for 12 months then $99

$15

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$395

$30

More details

Purchase Rate

0.90%

for 15 months then 14.99%

Interest Free Days

55

Annual Fee

$99

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$249

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$349

$20

More details

Purchase Rate

0.00%

for 15 months then 13.24%

Interest Free Days

55

Annual Fee

$89

$20

More details

Purchase Rate

0.00%

for 15 months then 19.74%

Interest Free Days

55

Annual Fee

$0

for 12 months then $89

$20

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $200

$15

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$99

$30

More details

Purchase Rate

0.00%

for 15 months then 12.99%

Interest Free Days

55

Annual Fee

$49

for 12 months then $99

$15

More details

Purchase Rate

19.74%

Interest Free Days

44

Annual Fee

$90

$15

More details

Purchase Rate

9.89%

Interest Free Days

55

Annual Fee

$69

$30

More details

Purchase Rate

20.09%

Interest Free Days

55

Annual Fee

$0

for 12 months then $90

$15

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$1200

$30

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$89

$15

More details

Purchase Rate

11.99%

Interest Free Days

55

Annual Fee

$89

$15

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$149

$15

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$420

$20

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$195

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$295

$30

More details

Purchase Rate

14.99%

Interest Free Days

55

Annual Fee

$0

$30

More details

Learn more about credit cards

If you have a few big personal purchases coming up, putting them on your credit card with extended warranty is a great way to get more security and peace of mind.

So, if you don’t have one already, how do you find a credit card with extended warranty?

What is a credit card with extended warranty?

Extended warranty is one of many credit card perks or rewards. Extended warranty is often available on a “platinum” or “rewards” credit card, as one of several perks.

Extended warranty itself is an additional insurance that extends the life of the retailer or manufacturer’s warranty on your purchases. For example, if you purchased a microwave with a three-year Australian warranty, you could potentially extend that warranty by one additional year through your credit card insurance.

As the name suggests, this extended warranty comes into effect only once the Australian warranty on your purchase expires. So, if you found yourself with a faulty microwave after three and a half years, that’s when you would look to make a claim via your credit card insurance.

What can the extended warranty be used for?

Since this type of insurance extends the life of a warranty already in place, extended warranty is generally available on retail and personal purchases. Think of your big-ticket items that already come with warranties in place: electronics, white goods and the like.

Different credit card providers will have different insurance policies in place that dictate what their extended warranties do and do not cover. So, if you were planning on purchasing that washing machine on your credit card to take advantage of the extended warranty, make sure you look up the actual insurance policy and read through the product disclosure statement (PDS.) This will outline what you can and cannot claim, and by how much your warranty will be extended.

How do you use the extended warranty?

The first step to claiming extended warranty is to make sure your items are actually covered by this insurance. Some providers will automatically cover “eligible purchases” made on your credit card, but others will require you to actually register the item or items. This shouldn’t cost you anything, but it does mean more paperwork and organisation on your part.

When it comes to making a claim you will need to show proof of purchase, and this means keeping your receipts. This is also to prove that the item was purchased on your credit card, and thus eligible for extended warranty insurance in the first place.

Once you have an eligible purchase and your proof of purchase sorted, you will need to contact your credit card provider and fill out a claims form to start the process.

Pros of extended warranty credit cards

  • Extended cover for your personal purchases
  • Eligible purchases are automatically covered by some providers
  • No need to purchase extended warranties via the retailer

Cons of extended warranty credit cards

  • Extended warranty often comes bundled with other perks on a high-interest credit card - make sure you can afford the interest rate
  • There is usually a high annual fee on these credit cards
  • Not everything is covered - make sure you understand what you can and cannot claim before making any purchases

Frequently asked questions

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.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

What should you do if your credit card is compromised?

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.

What should you do when you lose your credit card?

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.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

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 to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

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.

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 to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your 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.
  • In a branch.
  • Via your credit card provider's app.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here

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 do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How do I apply for a credit card online?

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.

What's the best credit card for rewards?

There is no