Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.
189 articles written by Vidhu Bajaj

Can you use a business credit card for personal expenses?
Getting a business credit card can be easier than a personal credit card. But can you put personal expenses on a business credit card?

Vidhu Bajaj -
28 Aug, 2023 -
8 min read

The most preferred second-hand cars in Australia
Which are the preferred second-hand cars in Australia and how to find the right one for your needs.

Vidhu Bajaj -
21 Aug, 2023 -
9 min read

Do credit inquiries impact my credit score?
Your credit score is a three-digit number representing how much of a risk you could pose to lenders when opening a new line of credit. It’s determined by applying some complex algorithms to the information in your credit file, which is essentially a record of your financial history.

Vidhu Bajaj -
18 Aug, 2023 -
6 min read

Finding your ideal first EV: Essential factors to consider
EVs offer several potential advantages, including lower operating costs, reduced air pollution, and the potential to use renewable energy sources for charging. All of these factors make them an ideal choice for individuals who wish to live sustainably and reduce their carbon footprint.

Vidhu Bajaj -
09 Aug, 2023 -
9 min read

What are the preferred car brands in Australia?
While declaring a definitive 'best' car brand among these renowned players is challenging, some brands have earned a prominent position in the hearts of car enthusiasts across the country.

Vidhu Bajaj -
03 Aug, 2023 -
8 min read

What are the pros and cons of credit cards?
Credit cards can be your best friend if you use them wisely but your worst enemy if you use them irresponsibly.

Vidhu Bajaj -
25 Jul, 2023 -
9 min read

How to find the right mid-sized car for you
Whether you need a car to commute to work or pack the entire family for a road trip, a mid-size car hits the perfect sweet spot by combining practicality and versatility.

Vidhu Bajaj -
21 Jul, 2023 -
8 min read

Making minimum repayments on your credit card: what you need to know
Racking up a large sum of debt on your credit card is easily done but paying it off with the minimum repayments is not.

Vidhu Bajaj -
20 Jul, 2023 -
4 min read

PayPal versus credit cards: Which is the better online payment option?
One of the main drawcards to PayPal is that payments can easily be traced, unlike many other online payment methods. Credit card details are not held on the site either, so your confidential information is not exposed to any third party.

Vidhu Bajaj -
20 Jul, 2023 -
9 min read

Looking for your first car? Your checklist for choosing your first car
To help you with making a smart decision when selecting your first set of wheels, you’ll need to find a balance between what makes sense and what looks good or what your fantasy may be.

Vidhu Bajaj -
19 Jul, 2023 -
7 min read