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Credit cards 'essential travel item'

Credit cards 'essential travel item'
Credit cards are seen as a crucial item for Australians to take away on holiday with them, according to a new study.

In research carried out by online holiday firm travel.com.au, some 13.4 per cent of those questioned claimed that credit cards, debit cards and money are the most essential things that a holidaymaker can pack into their bags, the Daily Telegraph reports.

Following debit and credit cards on the list were passport and travel documents, which 11.9 per cent of respondents believe to be of greatest importance, with clean clothes coming third.

The likes of toiletries, cameras and guidebooks also populated the top ten list.

However, it appears that men may be most likely to pack credit cards, as Lisa Ferrari, general manager of travel.com.au, points out that males are "more inclined to select essentials" when going away.

Speaking to the West Australian last month, Insight Vacations holiday specialist managing director Lorraine Sharp claimed that before going away borrowers should check if they can use their credit card while abroad and how much it would cost for them to do so.

Written by Joe LettsADNFCR-2135-ID-19247915-ADNFCR
Thursday, 02 July 2009 00:00
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Annual Fee:
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Credit Limit:
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  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
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14.24% p.a.
Cash Advance:
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Annual Fee:
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Credit Limit:
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Introductory Offer

Balance Transfer Rate:
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Purchase Rate:
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Purchases:
13.24% p.a.
Balance Transfers:
13.24% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$45 p.a.

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Interest Free Days:
Up to 55 days
Online Banking:
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Approval Criteria

  • You are at least 18 Years of Age
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  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
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Purchase Rate:
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Standard Rates

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Balance Transfers:
20.74% p.a.
Cash Advance:
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Annual Fee:
$149 p.a.

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Credit Limit:
$60,000
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Online Banking:
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Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $35,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 12 mths
Purchase Rate:
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Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
15.74% p.a.
Balance Transfers:
15.74% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
$75 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
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Approval Criteria

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  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
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Purchase Rate:
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Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
$125 p.a.

Standard Features

Interest Free Days:
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Online Banking:
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Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
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Purchase Rate:
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Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $250

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Interest Free Days:
Up to 45 days
Online Banking:
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  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

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Cash Advance:
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  • You have a Good Credit History
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  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
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Standard Rates

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20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$144 p.a.

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Credit Limit:
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Interest Free Days:
Up to 55 days
Online Banking:
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Approval Criteria

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  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
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Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$280 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
7.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$87 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
7.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$30 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.34% p.a.
Balance Transfers:
19.34% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $90

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$100 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $15,000p.a

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$150 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $50,000p.a

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$295 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
4.99% p.a. 9 mths

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
N/A

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $49

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa