Welcome! There are so many credit cards available today for Australian residents that it can be difficult to make a choice which one to go with. The obvious choice is to go with your bank, but this is often not the best option! It's a good idea to actively be on the lookout for a better plastic deal and be prepared to switch quick. It's the only way for you to pay less in interest and fees, and keep the banks on their toes!

A few months ago as I was searching for the best credit card offers available, I wrote down some notes on each card so that I could make a better decision. I then decided to publish those notes to help out others. And that is what this website is all about - credit card reviews for those that want to get the best deal!

Please note that these pages are dedicated to the credit cards available for Australian residents only - and this is a completely unbiased and free service to use. It's not possible for me to tell you what is the best credit card for you right now.. but you might find some tips in my notes that will help you choose the best credit card.

On this site you may also find links to comprehensive credit card comparison services where you can quickly compare cards in a single page. There will also be links to bank and credit union websites that will help you when choosing your new credit card. Why not bookmark this site, or use the sharing tools below to remind yourself or tell your friends.

Choosing a Credit Card to Fit Your Life

There are lots of different credit cards available to consumers and sometimes the selection can be confusing. Before applying for a credit card, consumers should look at the available options and decide which type of card best suits their lifestyle. Do you want a card with low interest rates or one with low interest on transferred balances? Do you want cash back rewards or frequent flyer miles? What about a card that offers special discounts on everyday purchases? Or perhaps you need a card for refinancing?

Low Annual Fees

Most credit cards charge an annual membership that ranges from as little as $50.00 to as much as $700.00. Cards which offer low annual fees are most often no frills cards and don't have rewards programs. If you frequently make use of rewards points or frequent flyer miles, it may be worthwhile to pay the higher annual fee, but if you don't use your card often enough to accrue a lot of rewards points then a card with a low annual fee may save you money.

Rewards Programs

There are a number of different types of rewards programs but all of the programs require that you spend money on your credit card to earn points. If you use your card frequently for everyday purchases a rewards program may offer you substantial savings. A cash back rewards card pays you a percentage of the total amount of your purchases while a discount rewards program partners with businesses to give card members discounts on everything from groceries to hotel rooms. Frequent flyer programs award points for purchases made on the card and the points are redeemable for airline travel.

Before you select a rewards program be sure to review all the terms and conditions for redeeming rewards points. If you don't travel often, a cash back or discount rewards program is probably a better choice than a frequent flyer program. Consider all the options and review the annual membership fees and interest rates before selecting the best card for you.

Store Cards

For consumers who regularly deal with one store, a store credit card may be a good choice. Store credit cards usually charge higher interest rates than major credit cards but for a consumer who does a substantial amount of business with a particular store, a store card may be practical. Consumers who have not yet established credit may be turned down for a major credit card, but they will often qualify for a store card which will help them build their credit.

There are dozens of credit card offers being advertised and a savvy consumer will examine all the possibilities and then make the choice which offers the greatest benefit for his spending patterns and lifestyle.

Thanks for visiting this independent credit card reviews site for Australian residents.
Cheers Henry
PS. Download credit card factsheet.