Welcome to Credit Card Help!

Credit Card Help is a 100% free credit card comparison service where Australian consumers can compare and apply for a range of the best credit card offers currently available. We’ve curated the top offers into various topical comparison tables so that you can easily find the best card for you whether you are looking for a 0% balance transfer, cash back on purchases or the ability to earn frequent flyer points as you spend. The table below is a comparison of what are currently the best offers from Australia’s banks and building societies.

Find the Best Credit Card Offers from Australia’s Top Banks

As an Australian, you are making a big mistake if you neglect to consider and compare the many current credit card deals. Nearly half of the Australian population obtain credit cards and never consider making a change in the future. However, this is often times a big mistake. You have to ask yourself one question: how are you being rewarded for your loyalty? If you are not receiving the benefits you deserve, such as a low interest rate and great rewards program, it may be time to take your business elsewhere. With a quick credit card comparison, you will find several options that are better for you and your finances at the present time.

Balance Transfer Credit Cards

Do you currently have a large balance on your credit card? If so, it may be time to transfer this balance to a card with a lower interest rate. This can go a long way in saving you money on interest, while also making it easier to effectively deal with your monthly payment.

While a 0% interest rate on a balance transfer is uncommon, this is still a great way to save money. Your goal is to find a credit card with a lower rate than what you are paying right now. This will allow you to transfer your balance and subsequently make smaller payments. In the end, you will find that you are able to quickly pay down your balance.

Gold and Platinum Credit Cards

Those looking for a credit card that offers generous rewards should consider gold and platinum options, such as the Qantas American Express Discovery. With this rewards card, consumers can earn points for frequent airline travel. Simply signing up for this card will entitle you to 10,000 Qantas frequent flyer bonus points.
While the requirements for gold and platinum credit cards are higher than the rest, you get a lot in return. These cards are best known for top of the line rewards programs, reasonable interest rates, and a great customer service experience.

Instant Approval Credit Cards

There may come a time when you need a credit card now, not later. In this case, you should consider instant approval credit cards. As the name suggests, you do not have to wait for approval. Once you complete and submit the application online, you will receive an answer on your eligibility within 60 seconds.

To ensure a fast and efficient process, you must provide 100 percent accurate information on your application. This is the only way for the credit card company to approve or deny your application on the spot.

Low Interest Credit Cards

The benefits of low interest credit cards run deep. The lower your interest rate the less money you will pay on purchases, balance transfers, and cash advances.

One of the most popular low interest credit cards is the Citibank Clear Platinum card. With this card, you will receive an introductory rate of 0 percent interest with the ability to transfer your balance without any charge. The Westpac 55 Day credit card is another popular choice, thanks to its 0% interest rate and no annual fee for the first year.

During the credit card comparison process, be sure to consider more than the introductory interest rate. For example, the promotional balance transfer rate that you are offered will not last forever – it is usually a 6, 9, or 12 month offer. What is the interest rate after this period expires?

Rewards Credit Cards

A rewards credit card has a lot to offer. With every dollar you spend, you will earn points that can be used for everything from travel to accommodations to home electronics and much more. Consumers looking for a credit card with a generous rewards program should consider the Qantas American Express Discovery credit card. In addition to bonus points for signing up, you will earn for every dollar spent both domestically and internationally.

Many Australians received their current credit cards over a decade ago. Do you know how much reward cards have changed over this time? At the moment, credit card issuers are offering top of the line rewards programs. With so much competition in the industry, all of the big banks in the country are attempting to outdo each other.

Factors To Look At With A Credit Card Comparison

As with anything else involving your finances, the act of comparing multiple choices will give you the greatest chance of finding the best credit card. With the seemingly endless types of credit cards offered to Australians, the credit card comparison process is incredibly important to finding the right option.

Whether you are looking to get a credit card that provides instant approval, airline miles, balance transfer, or a low interest rate, the process of credit card comparison needs to be done.

Credit Card Comparison Details

1. Annual percentage rate (APR) – This is one of the key features to compare. The APR is the amount that will be charged in interest on the account balance that doesn’t get paid off in each month. Obviously credit card users want to have a card that offers the lowest possible APR.

2. Annual fee – Although many credit card companies have eliminated this needless charge, others still continue to apply it each year. Most companies don’t highlight this fee on their promotional brochures, so you need to always read the terms and conditions. Typical annual fees range between $25 and $200.

3. Available credit limit – The amount of credit that you have available will be somewhat dependent on your credit history. However, many credit cards have an initial maximum credit limit that they set until they evaluate your credit risk. Credit cards providing higher credit limits should be favoured.

4. Introductory rates – In an attempt to attract new members, many credit cards have introductory or “teaser” APRs that are zero or near zero percent. One thing to investigate is how long the rate will last for. Generally, the low rate expires after a promotion period of 6, 9, or 12 months.

5. Balance transfer fee – Many people are looking for a new credit card so that they can transfer all of their current balances onto a single card. Not only does this make it more convenient and easier to track spending, it may also provide savings if the new card has a lower APR than the older ones. Some credit card companies charge a fee for balance transfers while others don’t.

6. Rewards and incentives – Many credit cards offer a variety of rewards and incentives to entice consumers to try them out. Some of the more common ones are airline miles, cash back, gift cards, and merchandise. For each dollar you spend with your credit card, you will earn points. Once you have earned a certain amount of points, you can redeem them for the specified incentive that the card offers.

The Best Way To Compare Credit Cards

Now that you know how important credit card comparison is, you may be wondering how to get started. There are hundreds of credit cards that Australians can choose from. Going to credit card websites individually can take a lot of time and effort. Not to mention that you wouldn’t know which credit card sites are legitimate and which ones should be avoided.

How A Quality Credit Card Comparison Site Can Help

Fortunately for you, there are quality credit card comparison websites that take the frustration and research out of the equation.

A service such as CreditCardHelp (located at http://www.CreditCardHelp.com.au) is designed with the consumer in mind. They have pre-screened hundreds of possible credit card offers to provide Aussies with the best of the best. All you need to do is select which type of credit card you are interested in – such as instant approval, low interest rate, or the various rewards programs – and then submit basic personal information that is safely and securely processed. In no time all, you will have a selection of credit cards that match your wants and needs. Since the credit card details are presented in an easy-to-understand manner, comparing them takes very little effort.

Once you find a credit card that has what you are looking for, the application process is simple, fast and efficient.