When it comes to credit cards, we always think of that classic piece of advice: “Don’t spend beyond your means”. There’s a little more to it than that when it comes to managing your credit card balance, so buckle up! We’re diving in.
.jpg?width=324)
The world of banking and financial technology has come a long way in recent years, with card payments fast replacing cash as Australia’s preferred payment method, and emerging payment technologies such as mobile wallets and wearable payments becoming increasingly popular alternatives.
As exciting as it is to head on holidays, planning can be prone to stresses of its own. One of the many choices you’ll have to make is how to finance your trip.
Credit cards may not have the best reputation, as the media is often quick to portray the negative connotations associated with them. If you lack self-discipline, a credit card can run you into trouble with debt levels beyond your comfort. On the other hand, credit cards are a very useful financial tool and when used properly, there are many benefits to having the card available in your wallet.
Being a pensioner might make getting a credit card more difficult, but it does not necessarily disqualify you.
If you've never taken out a person loan before or investigated getting a credit card, you may not have come across the concept of a credit rating or 'creditworthiness'. But if you are looking for some kind of financing in the future, this score and the file it sits in could impact the kind of loan options you can access.
Whether you’re new to the game, or you’ve been swiping your credit card for years, I think we can all agree that the whole ‘interest-free period’ thing can be totally discombobulating! Which is why we’ve put together this guide for you! So you can walk away knowing what credit card interest-free days are and how they work.
.jpg?width=324)
A few years ago, you may have never come across the term “interchange fees”. Instead it was reserved for those in the banking world to discuss the profit margins of banks.
Looking for a rewards credit card from one of the big four banks? But don't know whether to choose Westpac, NAB, CommBank or ANZ?
Your credit card has many benefits and features you may not even be aware of; some help you out when travelling, others will save you money while and you can even get a credit card that makes you feel like a celeb! So take a look at Mozo’s comprehensive list of plastic perks so you make the most of your credit card features.
You may be in Australia for an extended holiday or you’ve moved here to work, either reason you’re likely going to want to apply for a credit card. Let’s face it, the plastic is very convenient to have in your wallet!
Gone are the days when banks had one or two different types of credit cards you could choose from! Now there are plenty of types of credit cards on offer in a very competitive market, all come in different shapes and sizes and with unique benefits. Work out what type of credit card user you are and then you can pick one that suits you and your needs.
You may look at your monthly statement and think that it’s in ‘google gog’ but don’t stress as we’ll demystify all things relating to credit card payments to have you understanding your bill in no time. We’ll even have you saving money by the end of this guide!
Credit cards definitely have their perks and place in our wallets. However, they do come hand in hand with that nasty, annoying and often expensive thing called fees! Credit card fees can quickly add up and cost you big bucks but the good news is, you can avoid them. It’s a good idea to familiarise yourself with the following credit card fees then read through our all-important tips to avoid them.
It’s no secret that credit cards have a notorious reputation for being the fastest way to plunge into debt. No doubt you’ve heard plenty of credit card horror stories. You might even have a friend who’s on a debt payment plan to get back on track. But don’t let these things put you off, because if you play by the rules, credit cards can really help you out when you get stuck. Some cards also have perks like free insurances and rewards.
Reducing credit card debt is no easy task. We’ve all been there and know the struggles in combating the ever-growing money monster. But with a little discipline and dedicated planning, you can ninja your way out of your credit card debt in no time.
Yep. It can happen to the most careful of us all. Credit card fraud is not new, and will never really end. As users who enjoy it’s many conveniences, we’ve just got to become more savvy about how we use them. And when we say savvy, we also mean clever and responsible.
Have you been stacking up credit card reward points throughout the pandemic? Are you lost when it comes to getting the most bang for your rewards buck? Well, that’s where this guide comes in.
Does your lifestyle involve hitting the shops big time or boarding airplanes on a regular basis? You could be the perfect candidate for a premium rewards card. This page features all you need to know about premium plastic - from VIP services like airline lounge access and 24/7 concierge to complimentary insurance for purchases made on your card. Let’s get started!
Addicted to freebies? Chances are, you’ll love what bonus point rewards cards can offer you too.
Are you a frequent flyer who would jump at the chance to access swish airport lounges, flight upgrades, free airline tickets and more? Perhaps it’s time you carried a proper rewards card in your wallet and started collecting points on your everyday spending. Before you sign up or switch to a more rewarding program, take a moment to read all about them here, so your frequent flyer points really take off. Let’s get started!
Have you considered signing up with a rewards credit card that will give you cold hard cash? Welcome to the world of cashback offers where becoming a new customer is often enough to earn you extra bucks! It’s worth flirting with the idea if your preferred credit card reward is financial in nature.
If you’re tossing up between a rewards card and a regular piece of plastic, then you might be wondering just what the benefits of having points earning power in your corner are.
You’re probably the kind of person who uses a credit card a lot and has managing your balance down to a fine art. The next question is, which rewards card will suit you best? To find a piece of plastic that matches up to your freebie dreams, head over to our rewards revealer tool.
.jpg?width=324)
Whether you’re planning a mega shopping trip along Rodeo Drive or a great exploration of Europe, there is one thing you’ll need to pack - a competitive travel credit card. But finding the right one is hard to do if you don’t know what you’re looking for. That’s where this guide comes in, giving you the lowdown so you can be your own expert. Let’s go!
Congrats on your decision to join the rewards credit card club (or at least, resolving to switch providers)! During your search for an ideal piece of plastic online, you’ve probably stumbled across the term “gold” credit cards.
Some rewards credit card customers pay hundreds of dollars every year just for the privilege of being a cardholder. While other borrowers opt for the more basic rewards card with a lower annual fee attached.
The battle of the supermarket rewards program is never ending, constantly splashed before us with endless marketing and advertising campaigns. Should I shop at Coles for flybuys points or is Woolworths a better option to earn Woolworth rewards? This is a fair enough question to ask yourself! As there are many questions and unknowns when it comes to supermarket rewards we’ve decided to decipher these loyalty programs in a one stop shop guide.
Most major service stations are partnered with a rewards credit card and or programs. Just as you can earn reward points for everyday expenses such a paying bills and grocery shopping you won’t miss out when you need to buy fuel. Earning reward points is pretty easy! All you have to do is swipe your rewards credit card and or rewards program membership card when you pay for the fuel for a chance to earn points. They key is to buy petrol at a service station that is partnered with the rewards program you are a member of. Here’s a list of the partnerships between reward programs and service stations. You want to make sure you pull into a fuel station that will earn you petrol rewards!
You don’t have to be a mathematician when it comes to calculating rewards points. While it can be confusing as no reward program is the same, there is a fairly simple equation you can follow that will calculate the rewards points currency. This guide will hopefully help you make sense, the process of calculating rewards points so you can earn your free ticket to Bali in no time.
Choosing a credit card is a challenge in itself then deciding on the best rewards program to attach to your card can be just as testing. You may just throw your hands in the air and declare it all too difficult! But don’t, stop there and take a breath, as Mozo has come to the rescue. This guide will help you through the process of choosing a rewards program that is the best fit for you and one that will having you reaping in the benefits.
It would be a little un-Australian if you weren’t familiar with the lyrics ‘I still call Australia home…’! It’s the tune to the Qantas campaign that started running in the late 1990’s, linking it to Australia’s most recognised and longest running airlines. The iconic Aussie airline has a Qantas Frequent Flyer loyalty program and the best news is, you don’t have to be a frequent flyer to enjoy the benefits of being a member.
.jpg?width=324)
On the hunt for a credit card that’s going to reward you for spending? If so, you’re in the right spot! This guide will take you through all the different types of rewards credit cards you can choose from. With so many reward card options out there, find one that you will benefit from most, with perks to suit your lifestyle and needs.
Velocity Frequent Flyer is the official rewards program for Virgin Australia. There are plenty of easy and quick ways to earn Velocity points, just by using your Velocity Frequent Flyer credit card when you make purchases. The loyalty program then has a huge range of rewards you can redeem your points on as well as offering unique benefits including family pooling and points for pets!
As a credit card holder, you may think all the benefits lie with the money hungry banks and financial institutions. Wrong! As the owner of a rewards credit card you get to lap up some cool perks of your own. Each time you spend money on your credit card, you earn points from your bank, then YOU get to dictate how you want to be rewarded for your spending. Not a bad deal! However the reward program you choose will dictate how many points you accrue for your spending. But before you start planning on using those points for a trip to Bali or a new high definition flat screen TV, make sure your read this guide on the ins and outs of a reward program.
Who doesn’t love something for nothing?! Well, welcome to the world of reward credit cards, your ticket to receiving freebies for spending money. There are so many types of reward programs from frequent flyer, cashback rewards, travel, and shopping rewards just to name a few.
Stay up to date on the latest credit card revelations, interest rate gossip and balance transfer pap shots.
Credit card giant Citi has announced new bonus point offers on three of its rewards cards today, giving spenders the chance to bag up to 150,000 bonus points.
Read More
Major bank CommBank will refund $16 million to its credit card and loan customers after it was revealed that they were sold policies they would not be able to claim on, due to their employment status, making them ineligible for a potential payout.
Read More
The weekend known for scoring incredible deals and discounts is almost upon us. Black Friday (29 November) through to Cyber Monday (2 December) is expected to be bigger and better than ever and that means you need to be prepped and ready with your wishlists, bookmarks and your payment choice.
Read More
Credit card rewards programs can be a goldmine if you know how to navigate them right. Whether you’re a frequent flyer or a cashback connoisseur, there’s a way to make your credit card work harder for you. Let’s dive into how you can become a power user of credit card rewards programs and get the most bang for your buck!
Read More