Heritage Bank
Credit Cards Review

Compare Heritage Credit Cards Compare Heritage credit cards – read our review and compare the features and benefits available from Heritage. We can help you to make an informed decision and find a card that suits you.

Heritage Bank offers an extensive range of Credit cards designed to accommodate all members, including low rate credit cards and Classic and Gold Cards. The low rate card comes without frills, but is a great way to manage your money without having to pay over the odds.

Alternatively, Heritage credit cards offer a variety of cards that come with special benefits including up to 55 interest free days and rewards schemes offering an array of options including bonus points that can be used through its partners.

Visa is the most recognised card in the world. It's can be used in more than 493,000 retail outlets across Australia and at 24 million around the world, as well as countless online shopping stores. Verified by Visa will protect you against fraud when using your card to shop online.

Top 5 Credit Cards products

Card
Issuer
Balance Transfers
Purchases
Std APR p.a
Annual Fee
Apply
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St. George Vertigo
**Special offer** 0.99% for 12 months on Balance Transfers only available until 11th April 2012.
Rate 0.99%
Duration 12 mths
Rate N/A
Duration N/A
13.24%
$55 p.a.
Apply >
More Info
Bank of Melbourne Vertigo
**Special offer** 0.99% p.a. Balance Transfer rate for up to 12 months available until February 29th 2012
Rate 0.99%
Duration 12 mths
Rate N/A
Duration N/A
13.24%
$55 p.a.
Apply >
More Info
Westpac Low Rate Card
Rate 0%
Duration 6 mths
Rate 0%
Duration 6 mths
13.49%
$45 p.a.
Apply >
More Info
ANZ Platinum
**Special offer** 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012.
Rate 0%
Duration 6 mths
Rate 0%
Duration 6 mths
19.24%
No Annual Fee in 1st Yr, then $87 if spend below $20k
Apply >
More Info
HSBC Credit Card
Please note - 2% balance transfer handling fee will apply, this is applied to card on 3rd statement. No Annual Fee for life of the Card.
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
17.99%
Free For Life
Apply >
More Info

St. George Vertigo

Advice

Special 0.99% p.a. balance transfer rate for up to 12 months available until 11 April 2012!!

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 12 mths
Balance Transfer Fee: 0%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $55 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 $15,000 or more per year

Bank of Melbourne Vertigo

Advice

**Special offer** 0.99% p.a. balance transfer rate for up to 12 months available until February 29th 2012

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $55 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 $15,000 or more per year

Westpac Low Rate Card

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $45 p.a.
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

ANZ Platinum

Advice

Get 6 months 0% on balance transfers and purchases...offer ends 13th March 2012! Also get $0 Annual Fee1 for the first year, then only $87 per year!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 19.24% p.a.
Purchases: 19.24% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $87 if spend below $20k
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

HSBC Credit Card

Advice

No Annual Fee for Life

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: N/A
Purchases: 17.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 a Income of over $20,000.pa

Citibank Clear Platinum

Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99 - $50 off in 1st year = $49
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
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 $40,000.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

Virgin Flyer Card

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $99 p.a.
Standard Features
Credit Limit: $5,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

ANZ Low Rate Card

Introductory Offer
Balance Transfer Rate: 0% p.a. for 3 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 3 mths
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $58 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

HSBC Platinum Qantas Card

Advice

Apply for the HSBC Platinum Qantas Credit Card before 31 March 2012, be approved and make an eligible purchase within 3 months, and you'll receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 21.75% p.a.
Annual Fee: $199
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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 a Income of over $60,000.pa

Westpac 55 Day Classic Card

Advice

For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 5 mths
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

Westpac Earth

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $75 p.a.
Standard Features
Interest Free Days: Up to 45 days
On-Line 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

Westpac Earth Gold

Advice

Complimentary purchase security, extended warranty, and Qantas Frequent Flyer membership for limited period.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $125 p.a.
Standard Features
Interest Free Days: Up to 45 days
On-Line Banking: No
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

Westpac Earth Platinum

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $250
Standard Features
Interest Free Days: Up to 45 days
On-Line 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

Westpac 55 Day Gold Card

Advice

For your loyalty, every year you spend at least $15,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $90 if spend below $15k
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

Westpac Altitude

Advice

Receive 5,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $100 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Westpac Altitude Gold

Advice

Receive 10,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $150 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Westpac Altitude Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $295 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Bankwest Breeze MasterCard

Advice

Please note this card offers a standard rate of 10.99%p.a - Australia's lowest MasterCard purchase rate! Australia's Cheapest Credit Card’ in Money magazine's 2011 Best of the Best Awards

Introductory Offer
Balance Transfer Rate: 5.99% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 10.99% p.a.
Purchases: 10.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $59 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $20,000.pa

Citibank Clear

Advice

Get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 15.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $65 p.a.
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
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 $25,000.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

St. George Gold Card

Advice

Gold Includes: - High Credit Limits from $5,000 - Travel Insurance - Transit Accident Insurance - Purchase cover - Extended warranty on purchases

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $79 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Aussie Mastercard

Advice

With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.

Introductory Offer
Balance Transfer Rate: 2.99% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: 9.99% p.a. for 12 mths
Annual Rates
Balance Transfers: 13.29% p.a.
Purchases: 13.29% p.a.
Cash Advance: 19.99% p.a.
Annual Fee: $49 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Bankwest Zero Gold MasterCard

Advice

No Annual Fee!!! Plus, get automatic purchase protection & built in international travel insurance

Introductory Offer
Balance Transfer Rate: 5.99% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: 5.99% p.a. for 9 mths
Annual Rates
Balance Transfers: 17.99% p.a.
Purchases: 17.99% p.a.
Cash Advance: 16.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $50,000.pa

Virgin No Annual Fee Card

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: $2,000 - $10,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $25000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

St. George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 18.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $79 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

St. George Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% 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
On-Line 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

CommonWealth 'Low Rate' Card

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $78 p.a.
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

Bankwest More Card

Advice

Make an eligible purchase in the first 2 months and earn a bonus 5,000 More Rewards points. Opt in to More Rewards Qantas and earn 1,666 Qantas Frequent Flyer points.

Introductory Offer
Balance Transfer Rate: 5.99% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.24% p.a.
Purchases: 19.24% p.a.
Cash Advance: 20.49% p.a.
Annual Fee: $89 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $15,000.pa

BOQ Platinum

Advice

Get 50% off the Annual Fee for the life of the card, from $199 to only $99 if you apply before 15th April 2012.

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 6 mths
Balance Transfer Fee: 0%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99
Standard Features
Credit Limit: $100,000
Interest Free Days: Up to 55 days
On-Line Banking: No
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

Commonwealth Bank Gold

Advice

Get your annual fee reduced by $30 if you have or take out a Commonwealth Bank Account or Loan.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $144
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Commonwealth Bank Platinum

Advice

Get your annual fee reduced by $30 if you have or take out a Commonwealth Bank Account or Loan.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $280
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Commonwealth Bank Awards

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $89
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

ANZ First Card

Advice

Get 0% on balance transfers and purchases for 1st 3 months - offer ends 13th March 2012!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 3 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 3 mths
Annual Rates
Balance Transfers: 19.24% p.a.
Purchases: 19.24% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $30
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 44 days
On-Line 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

Virgin High Flyer Card

Advice

Get 15,000 bonus Velocity Points when you spend $5000 on your card within the first 3 months. Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $249 p.a.
Standard Features
Credit Limit: $5,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

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