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.
267 articles written by Vidhu Bajaj
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
How long does it take to get a credit card?
The credit card approval process may take a few days, depending on the credit card issuer and the accuracy of the information provided in your application.
Vidhu Bajaj -
25 May, 2023 -
5 min read
What do I need to get a credit card?
Increase your chances of credit card approval by discovering the essential requirements for getting a credit card in Australia.
Vidhu Bajaj -
25 May, 2023 -
5 min read
What is negative gearing?
Negative gearing refers to when investors can claim a tax deduction when their investments make a loss. While negative gearing offers several potential benefits, there are also risks involved.
Vidhu Bajaj -
24 May, 2023 -
6 min read
What happens to my redraw when I refinance?
Some lenders allow you to make extra repayments on top of your minimum home loan repayments, and a redraw facility allows you to access these funds when you need them for other purposes.
Vidhu Bajaj -
23 May, 2023 -
3 min read
What is a home loan offset account?
Getting a home loan with the right features is one of the simplest ways to reduce your costs in the long term. A mortgage offset account is one feature that could make a huge difference, potentially saving you thousands of dollars per year, and may help you repay your mortgage sooner.
Vidhu Bajaj -
18 May, 2023 -
6 min read
How to choose between fixed and variable rate car loans
Before you buy a new set of wheels, it helps to explore your financing options and choose the right type of car loan to get the maximum value out of the deal. Unfortunately, there's no formula to decide which car loan is the best for you, but learning more about the available options can help you make an informed choice.
Vidhu Bajaj -
12 May, 2023 -
4 min read
Home loan redraw pros and cons
Redraw facilities are a way to access any additional payments you make on your mortgage but are they worth it? Weigh up the pros and cons.
Vidhu Bajaj -
11 May, 2023 -
7 min read