Find the best credit cards for you
10 November 2008
If you're looking to get a new credit card, it's important to consider how you intend to use it. You need to be honest with yourself on this point. Otherwise, you'll end up paying more than you need to.
For example, there is no point in getting a credit card with low fees and a high interest rate if you intend to use it frequently. You'll end up paying more on interest.
Low rate credit cards - If you want to use your credit card on a regular basis, having a low rate credit card may be handy. You will save money by not paying much interest.
Take a look at our low rate credit cards, such as the Citibank Clear credit card.
No annual fee credit cards - If you plan to use your credit card infrequently, then a credit card that has no annual fees might suit you. You may have to pay a slightly higher interest rate, but you may save money in the long run by not paying annual fees.
Take a look at our no annual fee credit cards, such as the St George No Annual Fee credit card.
Credit card reward programs - Many credit cards offer reward programs, but you need to find rewards that will suit your lifestyle. There is no point getting reward points if you never use them.
Take a look at our credit cards that offer reward programs, such as the Woolworths Everyday Money credit card.
Many credit cards offer interest free days. If you repay your owing balance within this interest free period, you won't be charged interest.
Take a look at credit card comparison page and our best credit cards.
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