| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
|---|---|---|---|---|---|---|---|
  |
0% p.a
(for first 6 months)
|
4.99% p.a
(for first 9 months)
|
Up to 55 days | 
$1 = up to 1.5 points. 5,000 Bonus Points on activation |
$120 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
0% p.a
(for first 6 months)
|
4.99% p.a
(for first 9 months)
|
Up to 55 days | 
|
FREE | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
0% p.a
(for first 6 months)
|
4.99% p.a
(for first 9 months)
|
Up to 55 days |
$1 = up to 2 points. 16,000 Bonus Points on activation |
$190 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
0% p.a
(for first 6 months)
|
4.99% p.a
(for first 9 months)
|
Up to 55 days |
|
FREE | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
0% p.a
(for first 6 months)
|
3.99% p.a
(for first 6 months)
|
up to 55 days |
|
$0 (for first year $90 thereafter) | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
15.99% p.a |
0% p.a
(for the first 8 months)
|
Up to 55 days |
|
$89 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
15.99% p.a |
0% p.a
(for the first 8 months)
|
Up to 55 days |
|
$89 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
15.99% p.a | N/A | Up to 55 days |
|
$79 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
19.49% p.a |
1% p.a
(for up to 12 months apply by June 2nd 2013))
|
up to 44 days |
|
$90 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
19.49% p.a |
0.99% p.a
(for first 9 months)
|
up to 45 days |
Up to 1.5 KrisFlyer miles per $1 spent |
$250 | ||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
20.5% p.a |
0.9% p.a
(for first 12 months)
|
Up to 55 days |
1 Reward point for every $1 spend |
$59 (for first year then $120) |
||
Additional Information
|
|||||||
| Provider | Card Name | Purchase Rate | Balance Transfer | Interest Free | Rewards Points | Card Fee | |
 |
20.99% p.a |
1.5% p.a
(for first 15 months)
|
Up to 55 days |
Up to 3 points = $1 |
First Year Free ($199 Thereafter) | ||
Additional Information
|
|||||||
Gold and platinum credit cards are different from standard credit cards, and many credit card holders often wonder what the difference is. The most obvious difference between standard credit cards and gold and platinum is the former is not seen as being as prestigious.
Prestige is the essential difference between gold and platinum cards and cards, which means they tend to be targeted at people with higher incomes. This means to hold a gold or platinum card the person usually needs to satisfy a higher minimum income requirement. Of the two, Platinum cards tend to have higher access requirements that their gold card companion.
Times have changed since the concept of the premium credit card was first developed and so has the definition of what constitutes a high income. This means even if you believe you are receiving a modest income, you may still qualify for a gold or platinum card.
Gold and platinum cards have a higher annual fee and better rewards programs compared to standard credit cards, and historically they have tended to also offer higher credit limits. Card companies have concentrated on offering better rewards programs for premium credit cards but the gap between credit limits has narrowed, and there is a not a lot of difference between the limit offered on a premium card and standard credit card.
The difference between standard and premium cards is no longer as pronounced as they once were in the past. Historically premium cards were targeted at higher income earners and offered higher credit limit. Today however all credit cards offer higher credit limits to borrowers with a decent credit history, so in practice there is little or no difference.
When comparing credit cards check the APR, the rewards program and whether there are any introductory offers regardless of whether they are premium or standard .
It does not matter what type of credit card you are looking for, the financial comparison site Money-AU brings together a range of different credit card deals that will help borrowers and consumers looking to find the best credit card deal for them.
Economists at Australian banking major ANZ are predicting that the Reserve Bank of Australia will cut the official cash rate to as low as 2 per cent by the end of next year, arguing that it may be more prudent for the government to back away from its budget surplus plans.
The economists are basing their prediction on the back of a weak Australian economy and modest gains in the global economic outlook.
The latest retail forecasts are projecting that Australians will spend approximately $32 billon over Christmas, with the average spend per person estimated to be $1200.
The forecast represents an increase over past years and is a major bonus for the retail industry which over the last few years has felt “more Grinch than Santa” according to Margy Osmand, the chief executive of the Australian National Retailers Association (ANRA)
The extremely detested surcharge that consumers are hit with when paying for a cab ride using a credit or debit card is unlikely to survive into the new year if the Australian central bank has its way.
The Reserve Bank has revised the rules regarding surcharges which are effective next year, tightening the language and making it explicit that the surcharge rules also apply to the taxi industry.
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