Vidhu Bajaj
Personal Finance Writer
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
Does Afterpay affect your home loan application?
When applying for a home loan, all your current debts are taken into consideration. So, what’s the impact of your Afterpay account on your home loan application?
Vidhu Bajaj -
19 Jul, 2023 -
6 min read
Are credit checks mandatory for credit cards?
In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
The pros and cons of getting a higher credit limit
From time to time, your lender will proactively ask you if you’d like to increase the limit on your credit card. But should you agree?
Vidhu Bajaj -
19 Jul, 2023 -
9 min read
What is a balance transfer?
A balance transfer is the process of transferring the debt from one credit card onto a new credit card.
Vidhu Bajaj -
14 Jul, 2023 -
6 min read
Zip Pay vs. Afterpay: What you need to know before joining
Curious about two of the more popular BNPL platforms, Afterpay and Zip Pay? Let's explore their benefits, as well as how they differ from each other.
Vidhu Bajaj -
06 Jul, 2023 -
9 min read
Buy now, pay later vs. credit cards: which should you choose?
Whether you’re a young Australian looking for your best option to gain access to credit, or a long-time credit card user wondering what the fuss is about BNPL services, let’s explore the benefits and risks of both options.
Vidhu Bajaj -
03 Jul, 2023 -
6 min read
What is the difference between business and personal credit cards?
Whilst you can still use your personal credit card for business related transactions you may find that over time it will be easier to manage your personal and business purchases separately. Business credit cards generally have more features than a traditional credit card which enables the business to apply spending controls.
Vidhu Bajaj -
15 Jun, 2023 -
6 min read
How do I redeem my credit card rewards points or frequent flyer points?
If you’ve built up a sizeable amount of rewards points or frequent flyer points through your credit card spending, you may be curious as to how you actually redeem these points.
Vidhu Bajaj -
31 May, 2023 -
6 min read
What is home loan refinancing?
You should always keep an eye on your home loan or mortgage interest rates and repayments and understand how competitive they are. These days, sites like RateCity.com.au can help you quickly and easily compare from literally hundreds of products to find a deal which best suits your needs.
Vidhu Bajaj -
30 May, 2023 -
6 min read
What is a refinance rebate?
Are you feeling the pinch of rising interest rates on your household budget? Refinancing to a lower interest rate could give you room to breathe and possibly earn you a cash rebate in the process!
Vidhu Bajaj -
30 May, 2023 -
3 min read