"Give Us 5 Minutes and We'll Tell you everything you need to know about Credit Card"

Credit cards allow you to spend now and pay later. No more waiting until your next payday to get a cute outfit or the latest gadget. Credit cards are also trendy in restaurants… just flick it over to the waiter after your meal and your bill is paid. You may not have a dollar in your pocket or your bank account, but you can still dine out at top restaurants. Obviously you’ll still need to repay your purchases, but when and how soon is negotiable. At least you have a choice to spend now - which you don’t without a credit card.

Choose the type Credit Card which is Right for You

Reward Program Credit Cards perfect for big spenders who, over time, can accumulate substantial rewards by putting most of their transactions on their credit cards. Find more about Reward Program Credit Cards	Gold and Platinum Credit Cards are the essence of exclusivity, for all the VIPs (or those who want to feel like VIP’s) out there and come with many luxury feature Find more about Gold and Platinum Credit Cards
Interest Free Credit Cards allows you to send the banks money and pay nothing for the opportunity to do so. This feature comes standards with most card Find out more about Interest Free Credit Cards	Balance Tranfer Credit Cards offer you a very interest rate on your existing balance so you can switch to another credit card and pay only a small fraction of your existing interest rate Find out more about Balance Tranfer Credit Cards

Do you enjoy shopping with an option to pay later?

Do you need finance to buy a new car?

Or do you need just cash now?

Credit Cards are also the only easy way to pay over the phone and internet. For example, say you want to take advantage of the high Aussie dollar and buy something from overseas. Apart from a credit card, there are very few options available (and all impractical or expensive). With a credit card however, buying online or over the phone is a synch. Just take it out, punch in a few numbers and sit back for you package to arrive.

Worried about security and fraudulent tractions? Don’t be! Most credit cards are covered for fraudulent transactions… so if you haven’t authorized the transaction, you’re not liable.

* If you’ve lost your wallet and it’s full of cash, you’re at the mercy of whoever found it.
* If you wallet is full of credit cards, you’re laughing

Just call up the bank, cancel all the cards and you won’t lose a cent.

The best part about credit cards is that you can get them online right now. Unlike other banking products (which may require mountains of paperwork), online credit card applications are a breeze and can be completed in a few minutes.

Even better news is you can get a credit card specifically tailored to your needs … and we’ll help you decide on which one is right for you.

Reward Program Credit Cards

These cards are perfect for big spenders who, over time, can accumulate substantial rewards by putting most of their transactions on their credit cards. The rewards include free flights, iPods, kitchen items and anything in between. While some reward cards charge higher annual fees and interest, it’s often possible to have these fees waived just by spending a lot on your credit card. So not only do you get reward for spending but the annual feel might also be waived for you. The best part about using Reward Program Credit Cards is that it’s perfectly OK to pay the balance off every month (no interest fees) and still get the rewards. Obviously the saying “there is no such thing as a free lunch” was invented before a Reward Program Credit Card

Gold & Platinum Credit Cards

These cards are the essence of exclusivity, for all the VIPs (or those who want to feel like VIP’s) out there. As you would expect, these cards personalize luxury, prestige, glamour and come with privileges such as travel insurance, personal concierge service, high credit limits and many other perks. While the annual fee might be slightly higher, it is more than offset by the benefits and level of service these cards provide. If you’re a VIP or want to feel like one, obtain a Gold & Platinum credit card and you’ll never look back

Interest Free Credit Cards

While all cards, allow you to buy now and pay later, the interest free feature ensure that you don’t incur any interest between when you buy and item and when you’ve paid off your credit card. The interest free feature allows you to send the banks money and pay nothing for the opportunity to do so. Too bad the interest free feature does not apply to cash advances -- otherwise it would have been possible to withdraw cash and then place it into a high interest rate savings account and actually use the bank to make money. Even if you have to pay an annual fee, having the interest free option is absolutely essential to fully enjoy credit.

Balance Transfer Credit Cards

Banks want you to have a credit card and even more so, they want you to have their credit card. If you own their credit card, you’re more likely to take out a home loan with them (should one be required) and also use their other products such as personal loans, insurance and share trading services. Because of this, banks often entice customers to switch credit cards by transferring your existing balance on their credit card. Banks are willing to incur all the transfer fees and even offer incentives for you to transfer your existing balance on their credit card. Low balance transfer credit cards offer you a very interest rate on your existing balance so you can switch to another credit card and pay only a small fraction of your existing interest rate. These cards are great for people who have a high current balance which they would like to reduce.

No Annual fee credit cards

These cards are a budget level product with limited or no features, aimed at the lower end of the market. While these cards come with no annual fees, the interest rate charged on the credit card is often higher and they typically have no reward points associated with it. These cards are great for those who will use them infrequently and are able to pay off the balance at the end of the month as they often don’t come with an interest free period. However, they’re good to have just in case you need cash… and they don’t cost you anything to maintain.