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Credit Mart - Compare Credit Cards in Australia

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Don't get caught with a high interest credit card, apply online for a low interest credit card.

CreditMart.com.au provides comparisons on credit cards with major suppliers in Australia including AMEX, Virgin, Aussie and ANZ.

Compare Credit Cards

When comparing credit cards it is important to first determine how you intend to use your credit card. Compare the hundreds of credit, debit and charge card options. Use the CARD WIZARD to search for the card that suits your specific needs. Then apply online through Credit Mart.

The first thing you should do is ask yourself the following:

  1. How much do I intent to spend on the credit card in a calendar year?
  2. Will I be disciplined enough to pay the credit card balance off each month?
  3. What type of rewards program fits my lifestyle, ie do you travel?
  4. Do I need a rewards program?
  5. Do I have an existing balance I wish to transfer over?

Let now look further into each of these questions.

1. How much do I intent to spend on the credit card in a calendar year?

This is an important question as it will identify whether or not it is worth getting a credit card with a rewards program attached. Membership reward credit cards have higher interest rate charges and they come with higher yearly program / annual fees. As a guide, if you do not intend to spend more than $6,000 dollars a year on your credit card, you will not earn enough reward points to cover the extra costs of a rewards program. In this case you should probably look at a low interest rate credit card.

If you intend to spend over the $6,000 amount annually, you then need to determine how you will use the card. If you intend to pay the outstanding credit card balance off each month then you might want to consider a credit card with an attached rewards program (link through membership rewards). If you travel frequently look for a rewards program where you can redeem points for flights.

If you are unable to pay outstanding credit card balances each month, you might be wise to again look for a low interest credit card (link to low interest rate page)

2. Will I be disciplined enough to pay the credit card balance off each month?

If you are unable to pay outstanding credit card balances each month, you might be wise to again look for a low interest credit card (link to low interest rate page). If you do pay your balance off each month and your annual credit card balance is over $6,000 you should consider a membership rewards program.

3. Do I need a rewards program?

If a rewards program is not important to you, and you are not the kind of person who redeems points then you should probably opt for a no frills low interest credit card. If you are disciplined enough to pay your balances each month, a no annual fee credit card (link though to no fee credit cards) might be worth considering.. No fee credit cards usually have a slightly higher interest rate than low rate credit cards.

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CreditMart.com.au provides credit card comparisons across major Australian credit card providers.

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Credit Mart Pty Ltd.
ABN: 51 111 630 490
Phone: 0437 997 545
Email: marketing@creditmart.com.au
Web: www.creditmart.com.au

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