Money And Decoration

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As mentioned above, there is a lot of choice when choosing a credit card. So check out our list of card types below to help you decide which plastic deserves a spot in your wallet:

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Balance transfer credit card: Have you racked up debt on your current plastic? Then you could apply for a balance transfer credit card.

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Low Interest Rate Credit Card: If you’re one of those people who sometimes has a balance on your card instead of paying it off in full every month

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Interest-free credit card: If you’re planning to buy some big ticket items in the near future and need some breathing room to pay them off, you can opt for a credit card with an interest-free “honeymoon” period.

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Credit card with no annual fee: If you really only use your credit card as a convenient payment method, don’t value perks such as bonus programs, and diligently pay off your card balance in full every month

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Credit Cards: Looking for a card that will allow you to earn reward points on your spending? Then you are in the market for a premium credit card.

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Rewards cards can either link directly to frequent flyer programs to allow you to earn Qantas frequent flyer, Virgin Velocity or other airline points towards your spending,

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The downside to premium credit cards is that they generally come with higher annual fees and higher interest rates than no-frills credit cards.

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