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Purchase Rate

16.99%

Interest Free Days

55

Annual Fee

$125

$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

20.74%

Interest Free Days

55

Annual Fee

$395

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$450

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$249

$30

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$295

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$99

for 12 months then $129

$10

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$99

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$99

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$250

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

$15

More details

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

$195

$15

More details

Purchase Rate

11.31%

Interest Free Days

45

Annual Fee

$99

$5

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$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

0.00%

for 15 months then 12.99%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$178

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$99

for 12 months then $129

$20

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$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

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $200

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

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

12.99%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$49

$30

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$270

$25

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

20.49%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

19.99%

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

20.74%

Interest Free Days

55

Annual Fee

$129

$30

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$300

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $150

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$250

$15

More details

Purchase Rate

6.99%

for 6 months then 18.49%

Interest Free Days

55

Annual Fee

$129

$10

More details

Purchase Rate

20.49%

Interest Free Days

55

Annual Fee

$99

for 12 months then $169

$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

19.74%

Interest Free Days

44

Annual Fee

$90

$15

More details

Learn more about credit cards

Complimentary travel insurance has long been a sought after feature of premium credit cards.

Free travel insurance has become one of the most popular credit card bonus features that can help lure a consumer in the combative credit card market.

Before the bags are packed, tourists are embracing travel insurance which provides the modern-day traveller peace of mind and the intrepid globetrotter a huge safety net.

Cover up for the unknown

Things can easily go awry when you’re out of your comfort zone so complimentary insurance comes to the traveller’s rescue with cover that can include:

* Medical cover for your doctor and hospital costs incurred overseas. Generally, pre-existing medical conditions are exempt and some cards can cap it to $500,000. If you do suffer from a medical condition some cards may charge a premium for cover.  

* Cancellation fee protection for withdrawing from a planned holiday due to unseen circumstances. This can sometimes only cover the death of a relative, sudden illness of an immediate family member or natural disaster at your port of call or known residence.

* Travel inconvenience cover. This is handy if your luggage goes west and you end up with cancelled or delayed flights.

* Legal liability cover. If you damage someone else’s property or injure someone you will be covered by this.

But before setting off for your big adventure, be mindful of carefully reading what your policy covers and what it doesn’t. For those who live on the edge, bad news is mishaps in extreme sports are generally not covered. So it pays to check before you play. 

The positives

It is a good way to protect yourself, but the onus is on you to check what you are covered for. Traditionally, travel insurance linked to credit cards generally doesn’t seem to have as much comprehensive cover as a separate individual travel insurance policy.

Credit card insurance usually cover travellers as they age, while in contrast the standalone policies charge much higher premiums for older tourists, especially those over 65.

It is also important to check if your spouse and children are covered, as come credit cards only protect the owners. Some credit cards do cover all family members, but this function may have to be activated for validity.

The negatives

On the negative side, complimentary travel insurance is valued as a premium attribute so it is normally offered on rewards credit cards that attract higher annual fees and interest rates. For the-not-so-frequent traveller, this may not be beneficial in the long term. Some premium cards can attract expensive annual levies. The higher excess fees can also trip up a lot of people. Credit card travel insurance policies usually cover trips up to a certain timeframe (like 31 days or three months) so it always pays to check the product disclosure statement (PDS) before assuming your trip will be covered.

Typically, your travel insurance is activated when you use your credit card to book flights and accommodation. Cards may also expect you to buy a return ticket to validate insurance cover. Some cards offer the bonus of no overseas transaction fees on purchases whereas others can incur a charge of 2-4 per cent on every transaction made in foreign currency.

Be mindful that most credit cards cover overseas trips only and not all travel policies will cover isolated terrorist-related incidents.

Last word

Credit card insurance can save time and money for the frequent traveller, but the level of cover differs depending on the type of card and the insurance writer.

It is critical to compare your options; read the fine print so you can find a credit card or a standalone insurance that fulfil your travel needs.

Frequently asked questions

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 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 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.

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.

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 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 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.

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 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'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. 

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 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.

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

Which credit card has the highest annual percentage rate?

The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.

Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:

  • There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
  • Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
  • If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.

What happens if I have a bad credit score?

If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.

Why should I check my credit rating?

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 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.

Why do different credit reporting bureaus use different scores?

The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.

However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.

Can I get a credit card on part-time/casual work?

Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.

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 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.