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Thread: The best no annual fee credit card with a low interest rate.

  1. #11
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    You just beat me to it! I must have been typing that at the same time!
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  2. #12
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    Great advice on the Forex I'm glad to hear that one company is sensible in letting you pre-load a card. I tried it with a building society I'll leave nameless and they wouldn't let me. They had T&Cs that said no extra money could be added to the card only debt paid off. I'm now heading over to 28 degrees!

    Thank you very much for the tip!

  3. #13
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    No worries MSE. The 28 degrees card has been so damn handy as I travel a bit for work. It especially works out great if you are able to withdraw your "preload" then make a big ticket purchase using credit, still getting the interest free days on the actual purchase.

    The annual fee of 250 was a big motivation in changing cards actually. My old card was linked with Krisflyer points, whilst my experience has been OK, I wanted to try something else. I think I'll ask what people's opinions are on frequent flyer in that part of the forum. I have had experience with krisflyer, qantas, velocity. So far IMO virgin or velocity has been the best.
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  4. #14
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    Thanks guys for the breakdowns of the rewards points and the top advice on Forex!

    I've tried signing up for the Qantas/BA one a few times, just from flights to and from the UK and it's sadly been rubbish, I've got enough for a flight that may get me from Sydney to Adelaide. Generally I try to go with the free credit card offers.

    I guess I could go with the Qantas AMEX one: The Qantas American Express Discovery Card | American Express Australia it has no annual fee and gives 1 frequent fly point for every dollar spent as well as the bonus 7,500 when registering, that's not a bad deal actyually!

  5. #15
    Senior Member shopaholic's Avatar
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    Learning a lot from this thread may things I would never have thought of.

    I can't help out with rewards I only have Flybuys and Everyday Rewards programs, I do have a few store cards and I've started using the cash back websites that have been mentioned on here. Going to look at stoozing in the future a very good idea.
    I love to shop!

  6. #16
    Gav
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    Another kick to the Stoozing fans out there, Westpac have dropped their interest free period from 6 months to 5 months for the free card, 2nd on the list:

    The longest interest free period for new spending with a credit card in Australia

    Citibank have started offering the longest interest free period with a 6 month interest free credit card, however for the first year it's $49 and then $99 after that.

    --
    I'm currently in the UK and you can get 18 months (1 year, 6 months) interest free new spending and 28 months (2 years 4 months) interest free for balance transfers on credit cards. I hope that Australia starts to offer up good free interest soon, helpful for all those that want to stooze!
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  7. #17
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    Gav I went for the 12 months interest free from St George that you posted on here:

    St.George Bank | 0% p.a. for 12 months on purchases | Platinum Visa
    The longest interest free period for new spending with a credit card in Australia it has a fee of $89 but it gives me 12 months interest free on purchases and 9 months on balance transfers. I'm going to fill it with new purchases for Christmas and a bit of balance transfer while having all my money in savings.

    Just on paying no interest I will save around $2500 and the money sitting in the bank which I have ready is earning 3.8% not the best but guaranteed and stops me having to move it every 3 or 4 months. Should earn me in the order of $600 from interest, after the $89 fee I'm still up!

    Thank you for such a helpful idea and it's so simple.
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  8. #18
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    12 months interest free for new spending. About time there's a good deal on that! A very nice offer!

  9. #19
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    Sorry I didn't add the St George one to here as it's not a free card, if you're just after balance transfer the St George one for $55 for 9 months interest free might be of more interest:

    Credit cards with interest free balance transfers, comparing cheapest 0% transfer cards.
    MrMoneyExpert likes this.

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