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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
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.
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.
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 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.
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