Get the best credit card - Choose the credit card that is right for you!

Best Credit Cards: Choose the right Credit Card.

The Australian credit card market has never been more competitive. There are now a large of credit cards available, the trick is selecting the card that will best suit your needs and not getting caught up with the marketing hype.

The best credit card usually depends on one key question: Do you pay your balances off each month or do you let your credit card debt stack up? Find Leading Bank Accounts.

AMEX Low Rate Gold Credit Card

If you are a good credit card user and pay your account off each month without incurring any interest fees then a rewards credit card could suit your needs. Try the ANZ Frequent FLyer Gold Credit Card. You get access to a rewards program and earn Qantas Frequent Flyer points. ANZ is a trusted provider in the Australian market.

ANZ Frequent Flyer Gold Visa Credit Card
   

St.George Vertigo Credit Card

If you rack up your credit cards then the first thing to do is clear that large balance and give yourself a break from the interest for a while. Sign up for a 0% balance transfer offer credit card. Transfer all your current debt to the new card. This 0% balance rate lasts for 6 months and is a great way to get back on top of things. Recommended cards are St.George, Citibank and Virgin for this purpose.

St.George Vertigo Credit Card
   

Aussie Credit Card

For a low rate credit card without the frills, try the 11.74% Aussie MasterCard. It has one of the lowest rates on the market. Another one you could look at is the BankWest Lite MasterCard which has the lowest rate in Australia currently @ 10.99%. Remember though, get all the fees and think about your uses of the card. Will you cash advance? This BankWest Credit Card on cash advances charges 20.49% - Not so low rate after all? You can see from this simple example of where a credit card may seem the best for your needs on the surface but they may cost you more than the credit card your previously had.

Aussie Credit Card


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