Skip the traditional roses and save on Valentine’s Day

Skip the traditional roses and save on Valentine’s Day

Everyone knows that the price of roses and other flowers skyrocket for Valentine’s Day, so what options are available if you still want to make a lovely Valentine’s Day for someone special?

Valentine’s Day is known to see the prices of roses skyrocket, and some people happily pay it, sending their credit cards into a frenzy for one day.

In fact, the closer you get to Valentine’s Day, the more you should be prepared to spend. Much like how when you tell florists that they’re supplying for a “wedding” as opposed to a “party” to and the cost of services rises, the same is true with February 14. Wait long enough and your regular twelve buck roses on any regular day will suddenly jump to $40, $50, or more.

But red flowers don’t have to be the only Valentine’s Day gift idea you have to go with, because there are plenty of other choices that you can spend on, and even a few you won’t have to go all out with.

Valentine’s Day gifts you can spend on

Roses are a Valentine’s Day given, but they don’t have to be the be-all end-all when it comes to V-Day gifting choices. You can easily gift plenty of other things, from the old mainstay of chocolate to these charming gift ideas below.

Tempting Scents


Price: $15 to $50

Take a walk down to a bath products store like a Lush or Body Shop, or any store that sells scented products, and you might be able to find a nice candle, soap, or something else that says “relax” and “I love you”.

Bouquet of Beer


Price: $20 to $40

This one can be ordered by online services, or you can do it yourself. Buy a small bucket or a box from a cheap shop, grab a six pack, and throw them in. Feel free to decorate with either some flowers or chocolates to make it more “floral”, and voila: you have a bouquet of beer.

Box of Bubbly


Price: $30 to $80

Roses don’t last long, and neither does a glass of bubbly, but at least you can enjoy the latter with someone more than the former flowers. Grab a small coloured box from your local cheap shop, a bottle of their favourite sparkling wine, and maybe a couple of new glasses to create your own special hamper. If you add a punnet of strawberries, the package gets even better.

Spa Day


Price: $90 to $300

While a glass of bubbly can be lovely, a day to treat can be even better, with a day at the spa, day with a masseuse, or just a day to relax and unwind while they’re treated kindly by the pros. You can give this to anyone, man or woman, and it can even come with a gift certificate, which most spas will be all too happy to provide.

Valentine’s Day gifts you can give for not much at all

Valentine’s Day may be the time when it’s typical to spend money on roses, chocolates, scented candles, and oversized plush teddy bears that need a seat of their own on the bus ride home, but it’s also a time when you can just be romantic and give something without taking out that bank card.


A home-cooked dinner
Thinking of reminding that special someone just how special they are to begin with? Consider grabbing a few ingredients on the commute home and preparing a home-cooked dinner for them, telling your someone to put their feet up and letting you do the work.

Remember to grab something nice for dessert, unless you feel like getting those baking mitts on, too.


Write a poem
A little bit on the sappy side, you can always write a poem for your partner, and read it to them. Alternatively, write several, roll them up, seal them with a rubber band, and throw them in a small jar as a cute gift for the home.

You can tell your partner that your love for them is all there, and they only need to open it and find out.

stock-massage-masseuse-hands Massage
While the spa is a nice idea, they can get expensive, and you can always do it yourself. Consider picking up a candle or soy melts to make the home a little more relaxing, put on some slow music, and offer your hands up for an hour or so.

Remember that you don’t necessarily need Valentine’s Day to do any of these for someone, and can bring a smile and a bit of a surprise to anyone if you choose to do one of these things any day of the year. But if you pick a day that isn’t Valentine’s Day, you might just save a little bit of money on the things that cost something to begin with.

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Learn more about credit cards

How does credit card interest work?

Generally, when we talk about credit card interest, we mean the purchase interest rate, which is the interest charged on purchases you make with your credit card.

If you don’t pay your full balance each month (or even if you pay the minimum amount), you are charged interest on all the outstanding transactions and the remaining balance. However, interest is also charged on cash advances, balance transfers, special rate offers and, in some cases, even the fees charged by the company.

The interest rate can vary, depending on the credit card. Some have an interest-free period, otherwise you start paying interest from the day you make a purchase or from the day your monthly statement is issued. So avoid interest by paying the full amount promptly.

How do I transfer money from my Commonwealth bank credit card to my bank account?

Your Commonwealth bank credit card may include a cash advance benefit, but you won't be able to transfer money to your bank account. 

You can, however, withdraw cash from your credit card at an ATM. You should remember that you have to pay a fee for such transactions, and you’ll be charged interest from the day you withdraw the cash. 

Unlike other credit card transactions, you don’t get an interest-free repayment period for cash advances. Also, you may not be able to access your full credit card limit for a cash advance.

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 to get a free credit card

There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.

However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.

What is a credit card?

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.

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.

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.

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.

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.

How to increase your Heritage credit card limit?

Heritage credit card holders can increase their card limits, and typically without any hassles. There are two limits applied to your credit card: your account transfer limit and your credit card limit, each of which has a separate limit.

To increase your Heritage credit card limit, you can contact Heritage on 13 14 22. Unfortunately, you cannot opt to increase your credit card limit online due to security reasons. 

You can, however, request to increase your daily account transfer limit and BPAY® to up to $40,000 per day easily through Heritage Online. To do this,  you'll need to first ensure that your credit card limit is more than $40,000. If it is lower, you’ll need to first ask Heritage for an increase in your credit card limit. 

  • It’s important to note that once you change your credit limit, the daily periodic rate and corresponding annual percentage rate will change as well. This is likely to come into effect on the first day of each billing cycle that begins in March, June, September, and December. The effect of an increase in the annual percentage rate and the daily periodic rate will lead to an increased amount of interest you will have to cover in your monthly payment. 

What should I do if my ANZ credit card has expired?

Your ANZ credit card is considered expired only after the last day of the month and year marked on your card. For instance, if your card’s expiry date reads 03/22, it is valid until 31 March 2022 and expires on 1 April 2022. Typically, you should have received a new credit card by that date, and you won’t have to request a new card. 

Once you get the new card, you should remember to switch any automatic payments you have - such as a utility or mobile phone bill - from your expired credit card to your new credit card. Equally, if you are using CardPay Direct to repay your ANZ credit card debt, you may need to update the credit card account details for that service as well. 

In case the new card doesn’t arrive by the expiry date of your current credit card, you can call ANZ on 13 22 73 to find out the reason and if you need to request an expedited card. Please note that if you were planning to close your credit card account or request a credit card upgrade, you may need to call ANZ at least before the 25th of the month your current credit card expires in, as that’s when they may send you the new credit 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 to get a new credit card

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:

  • Your income and living costs (e.g. rent/mortgage, loan repayments, living expenses)
  • Your employer’s contact details
  • Details of your assets and any debts you are paying off

How to get money from a credit card

You can get money from a credit card, but generally it will cost you.

Withdrawing money from a credit card is called a cash advance, as it operates more as a loan than a simple cash withdrawal. Because it is a loan, you may be charged interest on your cash advance as soon as you make the withdrawal. Interest rates are also usually much higher for cash advances than standard credit card purchases.

In addition to the interest rate, you may also be charged a cash advance fee. This could be a flat rate, or a percentage of your total cash advance. If you are considering a cash advance, make sure to add up how much it will cost you before committing.