How to beat the recession’s credit squeeze on households

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

Published 15 June, 2020 in The Daily Telegraph

Read the original article here

Roland Bleyer

Founder of Creditcard.com.au. Roland has extensive knowledge about credit cards in Australia. Known as a credit card expert, he has been featured on tv and in various publications. Some popular offers on our site right now include the ANZ Low Rate. This special offer has no annual fee first year, a low purchase rate and long 0% balance transfer. Have a look also at the huge 0% for 30 months balance transfer from Citi with no balance transfer fees.

You might be interested in

Tips & Guides

Can You Apply For A Credit Card When You’re Self-employed?

News

Should Credit Card Rates Be Tied To The Cash Rate?

Tips & Guides

7 Rules To Live By When You Get Your First Credit Card

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Ask a question

Ask us a Question

Hi, we are here to help and will answer your question within a business day.

(showing the latest 10 Q&As)

Featured Balance Transfer Credit Cards

Go to offer

HSBC Platinum Credit Card – 0% Balance Transfer Offer

5 reviews

Long 0% Balance Transfer + Reduced annual fee first year

Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary domestic (inc rental car cover) & international travel insurance. 2 lounge passes per year.

$0 saved over 36 months

Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary domestic (inc rental car cover) & international travel insurance. 2 lounge passes per year.

19.99%

p.a

Purchase rate

19.99% p.a.

36 months

reverts to 21.99% p.a. No BT fee

Balance transfer

0% 36 months

reverts to 21.99% p.a.No fee

$29

first year

then $129 p.a.

Annual fee

$29 first year

then $129 p.a.

saved over 36 months

Go to offer

save card more info

save card

Go to offer

Citi Rewards Credit Card – Balance Transfer Offer

5 reviews

Credit limit up to $100k

0% balance transfer for 30 months. Transfer from non-Citi personal loans, store and/or credit cards. Great for debt consolidation. Citi Reward program. Overseas travel insurance.

Transfer Personal Loans, Store and Credit Cards

$0 saved over 30 months

Citi are the only issuer in Australia that accept personal loan debt as part or all of the balance transfer e.g. car loans. Transfer from non-Citi issued personal loans, store and/or credit cards. Apply by 30 Jun 21

21.49%

p.a

Purchase rate

21.49% p.a.

30 months

reverts to 22.24% p.a. No BT fee

Balance transfer

0% 30 months

reverts to 22.24% p.a.No fee

$49

first year

then $149 p.a.

Annual fee

$49 first year

then $149 p.a.

saved over 30 months

Go to offer

save card more info

save card

Go to offer

Westpac Low Rate Credit Card

304 reviews

0% Balance Transfer Offer

0% balance transfer offer for 28 months with 1% BT fee (reverts to cash advance rate). $0 annual fee for the first year, $59 thereafter. Free additional cardholder.

Low Rate Package

$0 saved over 28 months

0% balance transfer offer for 28 months with 1% BT fee (reverts to cash advance rate). $0 annual fee for the first year, $59 thereafter. Free additional cardholder. Apply by 7 Sep 21

13.74%

p.a

Purchase rate

13.74% p.a.

28 months

reverts to 21.49% p.a. 1% fee applies

Balance transfer

0% 28 months

reverts to 21.49% p.a.1% fee applies

first year

then $59 p.a.

Annual fee

$0 first year

then $59 p.a.

saved over 28 months

Go to offer

save card more info

save card

Featured Rewards Credit Cards

Go to offer

ANZ Frequent Flyer Black Credit Card

11 reviews

120,000 bonus Qantas Points + $200 back

When you spend $3,000 on eligible purchases in the first 3 months. Two Qantas Lounge invites per year. International Travel Insurance.

points earned over 12 months

120,000 bonus Qantas Points and $200 back to your new card when you spend $3,000 on eligible purchases in the first 3 months. Two Qantas Lounge invites per year. International Travel Insurance.

1 pt

Qantas

Capped at $7500, then 0.5 pts per $1 spent

Earn rate per $1

1 point

Qantas Frequent Flyer

Capped at $7500, then 0.5 pts per $1 spent

120,000

points

Bonus points

120,000

points

$425

p.a.

Annual fee

$425

p.a.

pts

over 12 months spend

Go to offer

save card more info

save card

Go to offer

Citi Rewards Card – Points & Gift Card Offer

1 review

90,000 Citi reward Points & $100 Coles eGift Card

Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in the first 90 days from approval. Reduced annual fee first year - save $100.

points earned over 12 months

Receive 90,000 Citi reward Points and a $100 Coles eGift Card when you spend $3,000 in the first 90 days from approval. Reduced annual fee first year - save $100.

1 pt

Citi

Capped at $10,000 for domestic spend per statement period, but no cap for eligible international spend

Earn rate per $1

1 point

Citibank Rewards Program

Capped at $10,000 for domestic spend per statement period, but no cap for eligible international spend

90,000

points

Bonus points

90,000

points

$49

first year

then $149 p.a.

Annual fee

$49

first year

then $149 p.a.

pts

over 12 months spend

Go to offer

save card more info

save card

Go to offer

Qantas Premier Platinum Credit Card

19 reviews

100,000 bonus Qantas Points

Earn uncapped Qantas points. Complimentary lounge access, travel insurance, discounted companion fares and concierge. Reduced annual fee first year - save $100.

points earned over 12 months

Earn uncapped Qantas points. Complimentary lounge access, travel insurance, discounted companion fares and concierge. Reduced annual fee first year - save $100.

1 pt

Qantas

Capped at $10,000 per statement, then 0.5 pts per $1

Earn rate per $1

1 point

Qantas Frequent Flyer

Capped at $10,000 per statement, then 0.5 pts per $1

100,000

points

Bonus points

100,000

points

$199

first year

then $299 p.a.

Annual fee

$199

first year

then $299 p.a.

pts

over 12 months spend

Go to offer

save card more info

save card

Featured in

Help us improve

My credit card is not listed

Latest Articles

Latest Articles

Latest Articles

Popular Articles

Popular Articles

Popular Articles