High Competition Among Credit Card Providers in Australia

Managing your budget well can be the most systematic way to make a dramatic decrease in your requirement to borrow or utilize credit. The more you regulate your budget, the more you can keep yourself on the right track. You can pay bills on time, and prevent debts from accumulating in your finances.

Tips on Selecting the Best Card Available

Selecting the most favorable credit card is not a simple endeavor. Though, many people may think that it is. However, there are those who still those who either get their applications turned down, or end up taking an offer that does not offer the most reasonable rate.

The first basic factor that an applicant must check when it comes to selecting the best credit card is their interest rates. Some banks offer low rates that can be valid for a given period only. Usually, six months would top. This introductory offer may only be a bank's strategy to entice their customers in utilizing their cards frequently.  However, the said consumers may then be charged with higher rates after the “honey moon” period expires. Some banks also include additional fees like annual fees, membership fees, annual fees, etc. These details might not be disclosed by the bank initially. So, be sure to ask, and try to gauge if you are indeed capable of covering these charges once you have come to a final decision regarding your credit card options.

Also, take a look at the different offers. See to it that the benefits that come with the program are worth the charges that you will be asked to pay.

Some Best Credit Cards Offered in Australia

To give you an idea about the different credit cards of Australia, here are some examples which you may choose from:

Aussie- Aussie Mastercard is great for first applicants as it offers interest rates that can be as low as 9.99%.

ANZ- ANZ Mastercard offers an interest rate of 11.9%. Cash advances have interest rates of 19.99%. This card provides fifty-five days free of interest on purchases, and zero percent interest rate on balance transfers for half a year.

Citibank- Citibank Clear is highly applicable to people who have established a superb credit card history. They have a competitive rate of 2.49% with zero percent interest on balance transfers for the first six months, and no interest on purchases made for the first fifty-five days.

St. George- St. George Vertigo Mastercard offers one of the lowest interest rates at 11.89% only. It also provides a zero percent rate on balance transfers for the first six months. Once you become a member, you will then become privileged to receive various discounts and more benefits.

There are still many to mention on the list. Clear enough, there are so many different options to choose from. You just need to make the right choice. However, as stated in the aforementioned list of banks, the most competitive in the industry are Aussie Mastercard, ANZ Mastercard, Citibank Clear, and St. George Vertigo Mastercard. You can start the selection process by looking at these four highly respected banks in Australia.

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