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A balance transfer can help you deal with credit card debt by waiving the interest for a period. Use 'calculate your savings' to input your debt, current interest rates and fees to see how much you could save.
Earn rewards points and redeem them for freebies, flights and fun! Use ‘calculate your rewards’ to input your spending and see how many points you could earn each year.
We receive streams of questions every day from people just like you wanting to know more about credit cards or how to use them better. The truth is that only a small percentage of the population actually understand credit cards and how to get the best out of them. Knowledge is power and frankly its difficult to cut through all the sales hype and really work out what card would be best for your personal situation.
The first this is to look at how you'll use your card. Use the information below to guide you, and it will help you figure out what features in a credit card will work best for you.
When you pay off your balance in full each cycle, you'll get access to interest free days on most cards. Paying off your card each month will also assist you in avoiding interest. If you are this type of credit card user then the interest rate should not be a concern. You should be looking at cards that will earn rewards points on your spend. Look at features that you will use e.g. overseas travel insurance. Map out your average monthly spend to see what rewards card could be right for you.
If you currently have credit card debt. Then a balance transfer could be an option for you.
Firstly, what is a balance transfer? You currently have credit card debt. You are approved for a new balance transfer credit card. Your new bank makes a payment on your behalf off your old card. The debt is transferred from your old card to your new card.You receive a special interest rate, typically 0% for a fixed period of time.
Some key points are that a balance transfer must be between different banks e.g. Commbank to Westpac. You can only transfer your own debt – not your partners or family. The simple online application process takes around 10-15 mins. You must have an outstanding credit report to get approved for a new balance transfer credit card.
If you are not spending much on your credit card or use it very infrequently then it's likely that a no annual fee or low annual fee product could suit you best. These cards tend to have interest rates around 20%. So if you do hold a balance this is still a concern. If you do pay off your balance in full each billing cycle then not paying an annual fee can work in your favour.
According to ING, Australian’s spent over $600 million last year on international transaction fees. That's over a million dollars a day just on credit card foreign fees. If you like to travel or spend online in overseas currencies then you should look at a card that offers no foreign fees on purchases. An important point is to also understand what exchange rate the card is using. Source: ING
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