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Credit Card Types

Low Interest Credit Cards

Credit Cards with a low interest rate is best suited to those people who have outstanding monthly balances carried over to the next month and/or you do not spend enough annually to justify the annual fees associated with a reward program offer. This figure as a guide is $8,000 spend annually

Balance Transfer Credit Cards

Credit cards can sometimes offer 0% on balances transferred over from another. Special balance transfer rate generally lasts for 6 months from date off approval. Used correctly these offers can result in an interest saving.

Special Credit Card Offers

CreditMart has a whole range of special credit card offers from leading issuers. Some of these offers are exclusive to CreditMart or only available online.

Reward Credit Cards

Credit cards with a Rewards Program are really for people who pay their monthly account balance off each month and who's spend is greater than around $8000 p.a. Perfect when used for convenience purposes instead of cash.

Gold & Platinum Credit Cards

Gold & Platinum offers generally come with greater rewards, benefits and spending limits. They also come with higher annual fees and reward program fees. Really need to be spending more that 20K per year and pay balance offer each month to make these cards worthwhile.

Credit Card Articles

Which Credit Card Is Right For You

Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you should take into consideration when deciding which offer you should apply for.

What Is The Cost Of Rewards Cards

CreditMart recently undertook some analysis around interest rates on reward program credit card offers and found that the average interest rate on these cards was 18%, with some cards as high as 20.34%, and the average annual fee around $93 (some cards charge a reward fee on top of this)

Maximise The Benefit Of Balance Transfer Credit Cards

Credit Card Balance Transfers - maximising the benefits As competition in the Australian credit card market intensifies, we have seen more credit card issuers introduce “low introductory” interest rate periods as a means of acquiring new customers. Many of these promotional deals are offering 0% for an introductory 6 month period, or a rate around the 6% mark for the life of the balance transfer.

Minimise Your Credit Card Costs

If you find yourself in the situation that you are unable to pay your credit card debt balance off each month then there are steps you can take to reduce your interest charges.

Maximise The Benefit Of Balance Transfer Credit Cards

Credit Card Balance Transfers - maximising the benefits As competition in the Australian credit card market intensifies, we have seen more credit card issuers introduce “low introductory” interest rate periods as a means of acquiring new customers. Many of these promotional deals are offering 0% for an introductory 6 month period, or a rate around the 6% mark for the life of the balance transfer.