Finding a Good Credit Card

What to consider when choosing one!

What makes a good credit card? If you are willing to search and consider alternative cards offered by alternative lenders then we can show you some good credit cards that can save on costs.

		Purchase % p.a.	Annual Fee	Interest Free	Balance Transfer
	Low Rate MasterCard 0% p.a. on purchases for the first 3 months	13.24% p.a.	$58.00	up to 55 days	-
	StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months!	13.24% p.a.	$55.00	up to 55 days	2.99% p.a. for 6 mths

A good card should have a competitive interest rate
The main costs involved in owning a credit card is the interest that is charged to drawn balances. Interest is calculated daily on balances so a low rate will save you from excessive interest charges. Choosing a low interest rate is definitely good.

An annual fee which doesn’t cost too much
Another charge is the annual fee, this fee which as the name suggests is charged yearly and there is a big difference charged between different lenders. Choosing a card with low fees is also good at keeping costs down.

An easy balance transfer to help you switch
If you want to get a new card but already have a debt on another then a balance transfer will help you not only move but help you in repayments during the lower interest balance transfer period. Choosing a balance transfer is good for moving providers and saving on interest.

Simple application process to get you started
Online application processes will quicken the time it takes to receive your new credit account. Just as you found this website on the net, most banks accept credit card applications through there secured websites. Online applications help you choose banks which may not a have a branch near you and by doing so it give you access to a wider variety of offers. So online applications are good at increasing your options!

Online statements
Getting a credit card is only half the beginning, once you do have one you will need to keep track of expenses and make regular repayments. Lenders who offer online banking will help you stay updated on your expenses, gives you historical spending records and help you plan budget and repayments. Online banking is the best way to keep on top off what your card is costing you.

Find a good credit card that right for you, we have a range of card offers from a variety of lenders to help you increase your options, find, compare and apply online.

Low Rate MasterCard

0% p.a. for the first 3 months
Low interest rate of 13.24% p.a.* on purchases
Up to 55 days interest free credit on purchases²
$58 annual fee
MasterCard acceptance at over 29 million locations worldwide

*Subject to terms and conditions

Purchase Rate	Interest Free	Annual Fee	Balance Transfer
13.24% p.a	up to 55 days	$58.00	-

StGeorge Vertigo MasterCard

2.99% p.a. balance transfer rate for up to 6 months

Low variable purchase rate - just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
2.99% for up to 6 months on balance transfers requested at card application
Up to 55 days interest free on purchases when you pay the closing balance of your statement, including the balance transfer amount, in full by the due date
Low annual fee - currently just $55

*Subject to terms and conditions

Purchase Rate	Interest Free	Annual Fee	Balance Transfer
13.24% p.a	up to 55 days	$55.00	2.99% p.a. for 6 months

Editors Balance Transfer Top Choices

	Virgin Flyer Credit Card 0% for 6mths more»
	HSBC Platinum Qantas Credit Card 0% for 6mths more»
	StGeorge Vertigo MasterCard 2.99% for 6mths more»

Best Rate Credit Card of the Month
13.24%	StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months! more...

No Banking Fees with Visa Debt Card
	StGeorge Complete Freedom Account Unlimited access to branches, internet banking and over 2800 St.George, Westpac and BankSA ATMs around Australia more...