Credit Card articles

Getting your credit card statement, looking at the total owed and making a repayment is an easy routine to fall into. But going through these motions can also cost you more money.

Unless you pay your balance in full every month, the cost of every transaction leads to more interest charges on your balance, so taking a closer look at where you are using plastic could help you make smarter payment decisions. read more >

When it comes to choosing a new credit card, there are several places you might start when narrowing down your options. For example, you might be looking for a specific type of card (like a rewards card). You might feel loyalty with a particular bank because you do other business with them. Or you might even prefer one of the broader credit card companies — like Visa, MasterCard, and American Express — due to some of their routine perks or features.

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Do you use a frequent flyer credit card, or are you planning to apply for one? If so, do you really think it’s the best way to save money? While they might be for some people, other consumers could save more in other ways (and still enjoy their travelling). Which type are you? read more >

Are you the type of person who pays off your credit card charges right away, so you don’t ever accrue much in interest payments? If so, you’ll save the most by going with a low annual fee credit card. But what if you want rewards too? Don’t rewards credit cards feature high fees? Not all of them. One good option for you might be the NAB FlyBuys Rewards credit card. read more >

Credit card companies are always looking for ways to compete with each other. One way they do that is by offering sign-up bonuses to new cardholders. Those bonuses can be things you get or they can be offers that save you money. read more >

If you’re in the market for platinum spending power but you don’t want to pay for a rewards programme you won’t actually use, a basic platinum card like the ANZ Platinum credit card could be a good fit. You won’t pay for the things you don’t even want, but you’ll still get the perks and higher credit limit you crave. read more >

Do you plan to apply for an elite credit card in the near future? Whether you’re doing it because you think it will make you look good or just because it’s time to grow beyond your basic cards, you need to find the best elite card for you.

But what exactly makes for the “best” elite credit card? read more >

Many credit cards feature perks for cardholders. But what happens if you don’t actually use those perks offered by your card? Are you still paying for them? Should you switch cards to save money? Do you even know what perks you have? read more >

Are you in the market for a new frequent flyer credit card? Are you already a member of the Qantas frequent flyer programme? If so, and if you’d like premium benefits and high rewards points potential, you might want to check out the Qantas American Express Premium credit card. read more >

Chances are good you have at least one credit card perk that you aren’t aware of or that you’ve never used. For example, you might get free concierge services or insurance when you travel. But some perks apply to all or most of your purchases. One example is price protection coverage.

Let’s take a look at price protection, what it is, and what might limit your ability to save with this credit card perk. read more >