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.
276 articles written by Vidhu Bajaj
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
What is a charge card, and is it different from a credit card?
Charge cards and credit cards may look similar, but they work differently. Credit cards let you pay for your purchases over time. However, charge cards require you to pay the balance in full each month.
Vidhu Bajaj -
04 May, 2023 -
5 min read
Why should you consider paying your mortgage every two weeks?
While many people make mortgage repayments once a month, paying your mortgage every two weeks offers some advantages. Find out why you should consider paying your mortgage fortnightly.
Vidhu Bajaj -
02 May, 2023 -
5 min read
How much super can I access at 55?
You could receive a small percentage of your super through an income stream, but only if you reach your age of preservation at 55.
Vidhu Bajaj -
02 May, 2023 -
3 min read
Are credit cards worth it?
A credit card could be a convenient way to pay for purchases, earn rewards and build credit when used responsibly. At the same time, credit cards could also lead to financial stress.
Vidhu Bajaj -
01 May, 2023 -
6 min read
What is a Bitcoin ATM, and how do you use one?
What are Bitcoin ATMs, how do they work, and how do you use one to buy and sell Bitcoins and other cryptocurrencies?
Vidhu Bajaj -
01 May, 2023 -
4 min read
What is a joint credit card and how does it work?
Credit cards are pretty handy, and immensely versatile, however they also come with great risk. The innocent-looking piece of plastic sitting in your wallet is essentially a license to get yourself into enormous, nigh-unpayable debt.
Vidhu Bajaj -
28 Apr, 2023 -
9 min read
How does a credit card interest free period work?
You’ve nabbed a credit card with a high number of interest free days but realised you’re not quite sure when the first day starts, or if your interest free days apply to each new purchase.
Vidhu Bajaj -
20 Apr, 2023 -
8 min read
How to set up an SMSF?
A self-managed super fund (SMSF) can give you more control of your super but you must ensure the setup is accurate and pay attention to the details to avoid penalties.
Vidhu Bajaj -
13 Apr, 2023 -
5 min read