Your guide to low-rate credit cards

Low-rate credit cards are one of the most popular types of card in Australia. The best low-rate credit cards in Australia feature a low purchase [...]

POSTED ON February 17, 2020
The best credit card for your small business

Business banking often needs to be kept separate from your own personal finances. If you’re starting your own business, you may need to set up: [...]

POSTED ON February 14, 2018
Make the most of your credit card reward points

With so many rewards credit cards to choose from, many with similar interest rates and perks, credit card companies use loyalty programs as an incentive [...]

POSTED ON October 24, 2017
How is interest calculated on a credit card?

When comparing credit cards, you’re often told to consider the interest rate, but what exactly is interest? And how do lenders calculate how much interest [...]

POSTED ON October 16, 2017
How does my credit score help me get a loan?

Your credit score is a report about your ability to repay loans and debts, and pay your bills on time. A relatively new, comprehensive credit [...]

POSTED ON October 11, 2017
Jet away with your credit card rewards scheme

Want to see the world on a backpacker’s budget? The right credit card rewards program could see you accumulating points towards free flights and upgrades, [...]

POSTED ON September 25, 2017
How to choose a credit card

Taking out a credit card can have a huge impact on your finances, so it’s important to choose one that suits you and your financial [...]

POSTED ON September 25, 2017
What types of credit cards are there?

Are you in the market for a new credit card? Before you make any decisions about which credit card to use, it’s important to research [...]

POSTED ON September 25, 2017
What is a Credit Card?

A credit card allows you to borrow money from your bank up to a pre-approved amount. It allows you the flexibility to manage your day [...]

POSTED ON September 22, 2017
Choosing a credit card for your business

Are you looking to start your own business? Perhaps you've already taken the first steps to set up your business. Or maybe you have an [...]

POSTED ON August 11, 2017
What would I use a credit card for?

Whether you're making everyday purchases, buying a big-ticket item or want to consolidate debt, a credit card can be a convenient tool for managing your [...]

POSTED ON March 27, 2017
How to choose a credit card for your family

A credit card can be a handy financial tool for managing your household budget and supporting your desired lifestyle. But with so many different credit [...]

POSTED ON March 27, 2017
Card scams are on the rise in Australia again

The rate of card fraud is booming. $469 million worth of fraudulent card transactions were recorded in Australia in 2015 according to the Australian Payments [...]

POSTED ON March 1, 2017
Debit card vs credit card

Growing numbers of Aussies are cutting up their credit card and choosing a good debit card linked to a great everyday transaction banking account. Now, [...]

POSTED ON January 23, 2017
Do you need to change your credit card limit?

  At Christmas time you might want to increase your credit card limit, or perhaps reduce it prevent overspending. Credit card balance limits start at [...]

POSTED ON December 22, 2016
Your credit card is about to change

Banks, credit unions and other credit card issuers are making big changes to credit cards in response to new rules being introduced in 2017. From [...]

POSTED ON December 20, 2016
What is my credit score?

When comparing and applying for loans – whether it's a home loan, a personal loan or even a credit card – you might come across [...]

POSTED ON November 17, 2016
Which credit card has the best airline points deal

Plenty of credit cards promote their Qantas Frequent Flyer, Velocity or other points-based rewards schemes. However, credit card rewards schemes have changed significantly over the [...]

POSTED ON November 14, 2016
You can find a low rate credit card

Credit card users are paying up to 23.49 per cent in interest on their purchases and up to $700 in annual fees. Credit card debt [...]

POSTED ON November 10, 2016
Key credit card terms you should know

Comparing credit cards is easier when you fully understand the different terms and features on offer. At first it might seem like providers are speaking [...]

POSTED ON October 28, 2016
How to apply for a credit card

Credit cards are a convenient way to pay bills and shop online. But when it comes to applying for a credit card, it can be [...]

POSTED ON October 28, 2016
Do you have multiple credit card debts?

For credit cardholders with more than one credit card debt, making the monthly repayments can be difficult. Right now, Aussies collectively owe $51.3 billion on [...]

POSTED ON October 24, 2016
What to look for in a credit card

Are you shopping for a new credit card? Do you know what you want? Knowing what you want in a credit card is the first [...]

POSTED ON September 29, 2016
Why is my credit card interest rate so high?

Average credit card interest rates have not fallen along with the official RBA cash rate, home loan mortgage rates and many other personal loan rates. [...]

POSTED ON September 26, 2016
Balance Transfer cards – What you need to know

Balance transfer credit cards are booming in popularity as banks and credit unions try to poach each other’s customers. There are now 105 balance transfer [...]

POSTED ON September 20, 2016
Fixed repayment option credit cards

Fixed repayment credit cards are a new innovation in the Australian credit card market. Fixed repayment credit cards are worth considering for people who want [...]

POSTED ON July 20, 2016
How to be smart with your credit card

Australians are getting smarter with their credit cards. Aussies are now less likely to be racking up big debts on big purchases and paying big [...]

POSTED ON July 18, 2016
What is a balance transfer credit card?

A balance transfer credit card deal offers a low or zero rate of interest for a set period of time - typically between four and [...]

POSTED ON July 7, 2016
Instant Approval Credit Cards

We live in a fast-paced society where everyone wants things as fast as possible. Credit card companies have stepped up to the plate and now [...]

POSTED ON August 31, 2011
Credit Card Deals

How to find the best credit card deals For the best credit card deals in Australia, you have come to the right place. We have [...]

POSTED ON August 31, 2011
Australian credit card types: Balance Transfer

Balance Transfer credit cards Balance transfer credit cards can sometimes be a helpful debt consolidation option. These cards allow you to transfer the existing debt [...]

POSTED ON December 8, 2010
Balance Transfer Credit Card Offers

Save money & reduce debt with Balance transfer offers Cutting back on the interest expense on your current card is the most obvious way you [...]

POSTED ON December 6, 2010
Australia’s Best Credit Card

Credit cards are a financial staple for a lot of Australians. They allow you to access a limited amount of credit to give you some [...]

POSTED ON December 3, 2010
Rewards Credit Cards

The best rewards credit cards Credit Card Reward Programs 'reward' you for spending by giving you ‘points’ for every dollar spent. Eventually when you accumulate [...]

POSTED ON December 3, 2010
No Annual Fee Credit Card

What are no annual fee credit cards? Despite the title being self explanatory we believe that the concept of these cards are so wonderful, they [...]

POSTED ON December 3, 2010
Choosing a Balance Transfer Card

Costs and benefits of balance transfer credit cards Benefits; major benefit is the interest savings made on transfers due to the very low balance transfer [...]

POSTED ON December 3, 2010
Low Interest Credit Cards

Types of Credit Card interests When you are quoted an annual percentage rate on a credit card it could be referring to one of 3 [...]

POSTED ON December 3, 2010
Balance Transfer Credit Cards

What is a Balance transfer credit card? Balance transfer credit cards are just like normal credit cards but with an attractive added balance transfer option. [...]

POSTED ON December 3, 2010
Credit Card Compare

Credit cards Australia In Australia there are literally hundreds of credit cards available and tens of credit lenders providing them that make the Australian credit [...]

POSTED ON December 3, 2010
Our best credit card hints and tips

InfoChoice has compiled a list of what it considers are the best credit card hints and tips to help Australians save money. We have looked [...]

POSTED ON November 19, 2010
What card will you choose this Christmas?

With Christmas just around the corner, shoppers are expected to spend big on gifts, entertainment, food, drinks and holidays. Typically people spend more on their [...]

POSTED ON November 11, 2010
NAB further abolishes fees

NAB is the first of the major banks to forego additional unfavourable bank fees on consumer accounts to help improve and strengthen customer relationships. Earlier [...]

POSTED ON November 6, 2009
Make your money work for you

There has never been a better time to shop around for deposit accounts with some great offers outside of the big 4 banks. The supposed [...]

POSTED ON October 22, 2009
Business Credit Cards

If your operating a small business or in charge of the finances in a larger company, consider the benefits of one of these business credit [...]

POSTED ON April 22, 2009
Credit Card Interest Rate Deals

Looking forward to one of life’s great adventures? Maybe an overseas trip or you’re planning on fitting out your new pad. Either way, there are [...]

POSTED ON April 22, 2009
Gold & Platinum Credit Cards

Your credit card says a lot about who you are. Selecting a premium card not only reflects where you have got to in life, but [...]

POSTED ON April 22, 2009
Cards, cheques or cash – what’s best?

MONEY, MONEY, MONEY The general consensus in the marketplace is that when travelling overseas you should take a combination of cash, cards and travellers cheques [...]

POSTED ON March 17, 2008
Minimising the costs of going away

Travelling is normally great fun, but it can really knock a hole in your finances, particularly if you have chosen expensive destinations. Order a round [...]

POSTED ON March 17, 2008
Organising passports and visas

Passports While all new Australian passports now contain microchips that enable the bearer’s identity to be electronically confirmed in some ports, a passport is still [...]

POSTED ON March 17, 2008
Playing It Safe

Travelling, for most people, is one of great pleasures of life. Well, at least it can be if all goes smoothly. However, travelling throws up [...]

POSTED ON March 17, 2008
Dealing with Australian spam laws

In an electronic age where more and more marketing is done via email, instant messaging and SMS, it’s essential that business operators know the legislation [...]

POSTED ON December 10, 2007
Trade Practices Act and Fair Trading Laws

Please note: As of 1 January 2011, the ‘Trade Practices Act 1974’ was renamed the ‘Competition and Consumer Act 2010’. This Act is a federal [...]

POSTED ON December 10, 2007
Tenders and contracts

With plenty of businesses competing for a share of the spoils, it’s worth knowing how to put together a successful tender.  A large number of [...]

POSTED ON December 10, 2007
Managing complaints

Research suggests that if someone gets poor service or buys a product that doesn’t deliver on its promise, they’ll tell up to ten people about [...]

POSTED ON December 10, 2007
Marketing and advertising

Sales growth is a key goal for any small business, and a well thought-out marketing strategy can be the engine that drives sales.   Realise [...]

POSTED ON December 10, 2007
Occupational Health and Safety

As an employer you are responsible for health and safety in your workplace. Latest statistics show that in 2004-05 there were 140,655 workers compensation claims [...]

POSTED ON December 10, 2007
Paying staff

The tax declaration form gives you information on the tax you should withhold. If your employee does not provide a tax file number within 28 [...]

POSTED ON December 10, 2007
Recruiting staff

So you need to take on staff…just where do you start?  Firstly determine why you actually need extra staff so you can identify your exact [...]

POSTED ON December 10, 2007
Tax tips

  Tax, as they say, just like death is inevitable.  And when it comes to running a small business, tax is there from the very [...]

POSTED ON December 10, 2007
What is receivables finance?

Factoring and discounting, also known as receivables finance, has seen a 21 per cent increase in the year to March 2007, and will have turnover [...]

POSTED ON December 10, 2007
What kind of financing would suit me best?

If you’re starting or expanding your business, you have four main choices of funding: debt (funds borrowed from a lending institution), equity (your money or [...]

POSTED ON December 10, 2007
Keeping good accounts

One of the key components of any successful small business is a proper accounting and record keeping system. It’s true that ‘cash is king’ and [...]

POSTED ON December 10, 2007
Break even analysis

One of the key challenges facing any new business lies in determining the point at which you will break even, namely, where you will earn [...]

POSTED ON December 10, 2007
Profit and loss forecast

Determining whether your business will be profitable - and how long it will take to turn a profit - is a must to ensure your [...]

POSTED ON December 10, 2007
Beware rising credit card fees

One of the reasons we find it difficult to pay off credit card debt is because of the high fees. The Reserve Bank says that [...]

POSTED ON August 22, 2005
Keeping credit card costs to a minimum

If you can't pay off your full credit card balance each month, try to use your own money rather than your card. At best you [...]

POSTED ON February 11, 2004
Get your credit card debt under control

Getting into debt by using credit cards is easy to do: paying for clothes, groceries and power bills by credit card is common, as people [...]

POSTED ON July 25, 2002