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Credit cards
Explore loan types, purposes and costs. Use the information to ask questions and assess alternatives before deciding.
Credit cards
A credit card provides a credit limit, but using it creates debt. Read the conditions for interest, payment, cash withdrawals and other transactions.
Explore this topicChoosing a credit card
Assess a card against your usage, costs and terms. An unused benefit may have little value if other costs are high.
Explore this topicCashback and credit cards
Assess cashback against costs and conditions, not as a reason to spend more. Interest on an unpaid balance can exceed a benefit's value.
Explore this topicCredit cards and annual fees
No annual fee does not mean a card is free to use. Other charges and interest may still apply.
Explore this topicUsing credit cards abroad
When using a card abroad, understand currency charges, withdrawal fees and any insurance terms. A card benefit is not a substitute for checking coverage.
Explore this topicComparing credit cards
Compare cards using the same transactions and repayment behaviour. A card suitable for full repayment may be costly when carrying a balance.
Explore this topicCredit cards and student finances
An uneven student budget requires knowing when income arrives and bills fall due. A credit limit is not additional income.
Explore this topicCredit assessment for cards
A credit card involves borrowing. Do not rely on marketing that presents credit as guaranteed or without an assessment of repayment capacity.
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