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Peter Terlato
Personal Finance Editor
How to read your credit card statement
f you’ve ever pondered all the figures, limits, summaries and warnings that are often included on your monthly credit card statement, we’ve put together a simple guide to help decipher this document.
Credit Cards
21 Aug, 2023
6 min read
Peter Terlato
Personal Finance Editor
What is a honeymoon credit card rate? Here's how they work
Fancy a financial honeymoon? While it doesn't involve being whisked off to an exotic destination, a credit card honeymoon period can offer an appealing introductory interest rate.
Credit Cards
18 Aug, 2023
4 min read
Peter Terlato
Personal Finance Editor
How to transfer Flybuys to Velocity
You can link your Flybuys account to your Velocity account and transfer your accumulated Flybuys points to Velocity points or set up an automatic points transfer.
Credit Cards
16 Aug, 2023
4 min read
Alex Ritchie
Personal Finance Editor
How long does it take to transfer my credit card balance?
Balance transfer credit cards can be an invaluable tool for cardholders hoping to work off their existing card debt. But just how long does it actually take to transfer your existing balance over to your new credit card?
Credit Cards
08 Aug, 2023
5 min read
Alex Ritchie
Personal Finance Editor
Which of my debts should I pay off first?
If you’re wondering which of your debts to pay off first, the answer is simple – whichever has the highest interest rate.
Credit Cards
08 Aug, 2023
4 min read
Alex Ritchie
Personal Finance Editor
Five common credit card traps to avoid
Being a responsible credit card holder requires you to read the fine print and familiarise yourself with common credit card traps. Here are the common credit card traps that can turn your spending into bad debt.
Credit Cards
04 Aug, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
25 Jul, 2023
9 min read
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
20 Jul, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
20 Jul, 2023
9 min read
Vidhu Bajaj
Personal Finance Writer
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.
Credit Cards
19 Jul, 2023
9 min read
Vidhu Bajaj
Personal Finance Writer
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?
Credit Cards
19 Jul, 2023
9 min read
Vidhu Bajaj
Personal Finance Writer
What is a balance transfer?
A balance transfer is the process of transferring the debt from one credit card onto a new credit card.
Credit Cards
14 Jul, 2023
6 min read
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First Option Bank Low Rate Visa Credit Card
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Purchase rate p.a.
10.49%
Annual fee
$0
for 12 months then $48 thereafter
Australian Credit Licence 236509
Fees & charges apply
ANZ Rewards Black
- Bonus Points
- Apple, Google & Samsung Pay
- Balance transfer
Purchase rate p.a.
20.99%
Annual fee
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Australian Credit Licence 234527
Fees & charges apply
ANZ Low Rate (Credit Back Offer)
- Special
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- Balance transfer
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Purchase rate p.a.
13.74%
Annual fee
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Australian Credit Licence 234527
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Suncorp Bank Clear Options Platinum Card (Qantas Rewards)
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Suncorp Bank (Norfina Limited ABN 66 010 831 722 AFSL 229882 Australian Credit Licence 229882). The SUNCORP brand and Sun Logo are used by Suncorp Bank (Norfina Limited) under licence and Suncorp Bank is not part of the Suncorp Group.
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Australian Credit Licence 229882
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Product data updated on 2 Apr 2025