Credit cards can be a convenient way to shop and to pay your bills, and if used properly there are great benefits to be enjoyed.

There are dozens of different credit cards available in Australia from a variety of banks and other financial institutions, and the key to benefiting from your card is to have the right one to suit your needs and your spending habits.

Here at creditcards.net.au it is our aim to help you choose a card by providing you with useful information, and also to educate Australians on how to use their credit cards effectively and to learn more about how they work.

Here on our website you will find information regarding a range of different credit cards, and to begin with it is important to know about the different types of cards offered in Australia.

Low Rate Credit Cards
Low rate credit cards are those which feature minimal features and benefits in return for low interest rates and ongoing fees.
These types of cards will generally suit casual credit card users or those who are trying to clear their balances.

Interest Free Credit Cards
Interest free credit cards are designed so that no interest will be charged provided that you clear the full balance by the end of each monthly billing cycle. The most common interest free period is 55 days, however this can vary between cards.

Balance Transfer Credit Cards
From time to time the banks will offer special balance transfer rates for new credit card customers. This involves offering a low rate for a fixed period of time for any balance that you transfer from your current card to the new card.
Taking up a balance transfer offer can be a great way of reducing interest if you are carrying a balance on your card from month to month.

Premium Credit Cards
Premium credit cards commonly feature names such as gold or platinum. These cards generally offer higher credit limits and improved features and benefits, and most will offer an interest free period of up to 55 days.
Some of the extra features offered with premium cards include travel insurance and benefits, purchase insurance and extended warranty, improved rewards programs and even a concierge service with some platinum cards.

Rewards Credit Cards
Rewards credit cards often go hand-in-hand with premium cards, however they can also be an option with low rate and other standard cards.
Credit card rewards programs offer a number of points per dollar spent, which can then be redeemed for gift vouchers and other rewards.

Frequent Flyer Credit Cards
Frequent flyer credit cards are very similar to rewards credit cards, however any points earned will be directed towards your preferred frequent flyer program.
There are credit cards available in Australia that can be linked to the Qantas and Virgin frequent flyer programs, as well as a number of international airline’s programs.

Credit Cards Australia
Here in Australia we have a wide range of credit cards available. Just as we all have different financial needs and objectives, credit cards also have different features and benefits. It is important to find the right card that suits you.