Key Features of the More MasterCard

When you apply for this card, here are some of the features you will find:

• New customers will gain 3 times the bonus points when they make eligible purchases within the first two months of owning the card. The offer expires 31 August 2011. 15,000 bonus points can also be earned. This is 3 times the usual amount of 5,000 points. And, even after the offer of triple bonus points expires, Bankwest still wants you to keep earning and will provide you with 1,666 bonus Qantas points for Frequent Flying.
• Each time you spend $1, you can earn 1.5 rewards points. You can also earn one Qantas point for Frequent Flying each time you spend $2 on certain eligible items.
• Enjoy a very low balance transfer rate of 5.99% for an amazing 12 months. If you have balances to transfer, this is the card to get. This offer is available to new customers to Bankwest only.
• If you want to earn points very quickly, you can do so by adding cardholders at no extra cost. You can have 3 more cardholders on your account absolutely free.
• You will receive the payPass card through MasterCard. This allows you to simply bypass queues at the shopping centre and Tap & Go.

Card Fees and Interest Rates

One of the great features of this card is low balance transfer rate. When you are approved for this card, you will have a low introductory rate of 5.99% that you will have for a whole year. If you have balances on other cards that are at a higher rate, here is your chance to transfer them over and save a bundle in the process. This rate begins the moment that you are approved for the card. The only caveat is that it is only available to new customers.

After the introductory rate of 5.99% has expired after one year, the rate will revert to the standard rate of 18.99% p.a.

The purchase rate is also quite reasonable at 18.99% p.a. and cash advances can be taken out at 21.99% p.a.

The annual fee for the card is only $89 and the Rewards programme opt-inn fee is just $30.

The other fees are as follows:

• Foreign transactions fees are charged at 2.95%.
• Cash advances carry a fee of 2% or $4.00 – whichever is greater.
• If you go over your limit, you will be charged $30.
• Late payments will incur a $35 fee.
• The dishonour fee is just $10.

Process to Apply

The application process is easy. You have several ways in which you can apply. You can go online to their website and apply directly from there. Or, you can call and apply over the phone. You can also apply through the post or going directly into one of the stores.

It only takes a few minutes and here is what you should have available. Be sure you have handy your work information, income details along with assets and savings. Also your contact information and date of birth, etc. should be available.

Once you have provided this information, you will have an answer very quickly!

Are you tired of paying extra penalties and fees on a card that contains all of these frills when you don’t even use them? If you answered yes then you are probably a great candidate for the No Frills Classic Credit card offered by Heritage Building Society.

Heritage puts its customers first, and realized that some customers want a simple credit card with no added frills, something they can use to make everyday purchases and buy the big stuff when they need to. So they began to offer the No Frills Classic card. It has the security of Visa, the accessibility of four of Australia’s largest banks and the savings of no monthly fees and low interest rates. Simply put, the No Frills Classic card gives you everything that you need and nothing that you don’t!

A Large Banking Network

The Heritage Building Society understands that its customers need to have accessibility to their transaction accounts and credit card balances at all times. There are also those times when you need to check your balance and make cash withdraws from ATMs. So not only can you access your account information or get a cash advance through your Classic card at any Heritage ATM 24 hours a day, but in an effort to provide their customers with even more locations Heritage has teamed up with some of Australia’s largest banks to provide a larger ATM network. If you have a No Frills Classic credit card from the Heritage Building Society, you will be able use ATMs from Westpac bank, St.George bank and BankSA. This is gives you access to over 2900 ATM locations all around Australia! You also will not be charged any ATM operator fees for using these ATMs and for most types of transaction accounts you will pay zero fees on balance enquires or cash advances. Some account types may require a small fee of $1.75.

Save Money On Interest Rates And Fees

The No Frills Classic credit card from the Heritage Building Society helps you to save money while offering accessibility. The card has a low introductory interest rate of 8.95% p.a. for a whole 12 months. After this first year the interest rate reverts back to the standard rate of 11.80% p.a. The Classic card also doesn’t charge you an annual fee, which saves you even more.

The card helps to make your life easier by offering flexible payment options. You can pay $30 of your balance as a minimum or 5% of the total monthly balance, which ever figure is higher. You can also get a credit limit with this card that can be as high as $10,000 or as low as $1000. You can also save yourself time by linking your transaction accounts to your No Frills card, meaning that you can perform your everyday shopping tasks using a single card. No more having to carry around multiple cards.

Complete Personalization

Even though you may not want to pay for frills and benefits on your credit card that you don’t want, that doesn’t mean that you shouldn’t have the ability to personalize your credit card to fit your individual personality. The Classic card lets you personalize your card by placing almost any photo you want on it. This lets you make a statement or just show off some of your style.

By visiting www.chooseyourowncard.com.au you can upload any picture from your computer and place it on your card. This online personalization process is easy, fast and fun to do. You can simply choose your desired picture, use the photo tools to fit it to the right size for the photo slot on the card and that is it! Your card will be a statement of your personality. This statement only costs $15 and you can update to a new photo anytime you wish to. Upload your own face onto the photo section for added security. Speaking of security, the No Frills Classic credit card offered by the Heritage Building Society is 100% verified by Visa. This means that you know it is safe to use. It also means that you will have access to thousands of Visa accepting merchants all over the world. You will also be able to access things like Visa Entertainment through your Classic card.

Summary

Choosing a credit card today can be tough. Too many cards with too many features and benefits are out there. For the average credit card user, these expensive benefits represent an added expense that they don’t want. Frills cost money and that money is usually charged back to the cardholder through penalties and fees. Many people want a no frills credit card. Something that lets them make purchases, pay their bills and then pay off their monthly balances without having to deal with points, rewards and other frills. These people also want to save more of their money by paying a lower interest rate with no monthly or annual fees. They also want the security and accessibility that a credit card should offer. This is why so many people are choosing the No Frills Classic credit card offered by Heritage Building Society. This simple card gives you what you need and nothing else and saves you money in the end.

Switch Your Credit Card To The Heritage Building Society No Frills Classic Credit Card And Stop Paying For Frills and Features That You Don’t Want!

Virgin High Flyer Credit Card Benefits

Flights – The card comes with a buy one get on free offer that you can use up to four times per year. All you have to do is book, using your Virgin High Flyer credit card and you will be able to get a second seat free. You will also earn points at a rate of 1.25 Velocity rewards points for every dollar you spend. Those can be redeemed with Virgin Blue and their partners for travel to more then 400 worldwide destinations.

Cover – While you travel you will get free international travel insurance as long as you booked your trip with this plastic. The items you buy are also covered through a complimentary extended warranty and purchase protection insurance.

Rates – You might expect to pay a high interest rate for all of these benefits. However, at 20.99% for both purchases and cash advances they are competitive with other rewards plastic. The balance transfer deal gives you the first six months you own the card at a rate of only 6.9% per annum.

Security – This card is backed by the best security features in the business. This includes Fraudshield which constantly monitors your account for suspicious activity. The plastic itself is embedded with advanced chip and pin technology. You can shop on line with security knowing that there are advanced security features there too. If all else fails the Visa Zero Liability Guarantee protects you from responsibility for fraudulent charges made to your account.

Concierge – As a platinum cardholder this is one of the best perks available. All day and every day you can contact them by phone to help you make reservations, recommend restaurants and other services, or get you tickets to virtually any event.

More – There is simply more to this owning this plastic. You will be able to opt in to the Airport SpeedPass program and have access to Visa Front Line. Through Virgin you can get great deals on their entire family of products.

The Virgin High Flyer credit card is an excellent card from a great company. Whether you need to travel here or overseas it is the one thing that you absolutely must have in your wallet.

Big Rewards With AMEX Discovery

This claim to offer big returns is one that most consumers have heard before. You may have already signed up for a specific card only to find that in fact the rewards were not so great after all. Maybe the frequent flyer miles could not be used to go to the places you want to travel. Or, as is often the case, it is nearly impossible to earn enough points to get anywhere. Worse yet is the realisation that the cost to own your card is more then the value of the rewards. This is a common problem with rewards cards because the annual fees are often in the triple digits, to cover the actual costs of those so-called rewards.

The people behind the AMEX Discovery card shun the idea that you have to spend a lot of money to get rewards. Instead, they offer you rewards just because you are a loyal cardmember, just because you have chosen to do business with them. To prove this the card has an annual fee of zero dollars. It is true, there is no annual fee. Not this year, next year, or any time after that. Your rewards programme is truly a reward and not just a benefit you wind up paying for in the end. And, before you think that the cost is made up for in a high interest rate, think again. The interest is competitive too at just 20.74% per annum and comes with up to 44 interest free days.

Earning Points With AMEX Discovery

Earning points has never been easier. All you do is spend and you will earn one point for every one dollar spent on purchases. When you spend on selected Qantas services you can earn an additional one point for every dollar that you spend. But, it does not stop there. Right now applicants who are approved prior to 1 March 2011 can earn up to 10,000 extra frequent flyer points.

2,500 Extra Points – The first time you spend on purchases with your new Qantas American Express Discovery card within three months of getting it you will automatically get these points. You can earn another 2,500 on your first card spend in Australia on select Qantas products or services.

5,000 Extra Points – Once you spend just $300 on your card in the first three months you own it you will earn these extra points.

Add that up and you can earn the full 10,000 extra points on top of the ones you are already getting for spending. There is no limit to the number of points you can earn and they are all automatically deposited into your frequent flyer account. It really is that easy. All you have to do is decide where you want to go.

From Sydney – Travel to Hobart for 12,000 points plus surcharges, fees, and taxes of $11.69 or 3,00 points. Or you can travel o Los Angeles for 48,000 points plus surcharges, fees, and taxes of $192.48.

From Brisbane - Travel to Melbourne for 12,000 points plus surcharges, fees, and taxes of $11.69 or 3,000 points.

From Darwin – Travel to Brisbane for 18,000 points plus surcharges, fees, and taxes of $11.69 or 3,000 points.

From Perth – Travel to Adelaide for 18,000 points plus surcharges, fees, and taxes of $11.69 or 3,000 points.

From Melbourne – Travel to Sydney for 8,000 points plus surcharges, fees, and taxes of $11.69 or 3,000 points.

All points are based on a Qantas economy, one way Classic Award flight and are correct as of 9 November 2010. If you do not see the flight that you wanted listed here do not worry because you can choose from any destination with Qantas or their 27 airline partners.

Benefits and Application For The AMEX Discovery Card

Along with no annual fee you also get supplementary cards at no added cost. As you would expect all cardmembers have anytime access to the best customer services representatives in the industry. AMEX provides an Online Fraud Protection guarantee that releases you from responsibility for fraudulent transactions.

Customers also get purchase protection cover that repairs or replaces lost, stolen, or broken qualifying items within 90 days of purchase. There is also a refund protection service that will refund eligible items to your account if you are refused it by the retailer. You can also opt to sign up for free alerts that can notify you of balance updates and payments due or confirmed by SMS or email. Because the issuer is a global name you can also trust that almost anywhere you are in the world you can have your card replaced in no time flat.

To apply for this top quality plastic you must meet certain requirements. All applicants must be 18 years old or over with a good credit history that has no payment defaults. You must earn at least $35,000 before taxes each year. Self employed applicants must have been trading for 18 months or 12 months if they are already customers of American Express. Only those applicants who hold a current Business Long Stay Visa or are permanent residents or citizens of Australia may apply.

To speed up the online application process have your existing account data ready if you are a current customer. You must also provide your driver licence, income, debt, and employment information on the application.

Your American Express Discovery card is the key to making all of your travel dreams come true. Think of it as your own personal savings account, only this one costs you nothing to own. No annual fees and big rewards is a deal that does not come along every day so get it while it lasts. Then you can start planning your next big holiday for less cash then you ever thought possible.

0 purchase credit cards frequently asked questions

1. You must be at least 18 years of age
2. You must have a good credit rating
3. You must earn a taxable income of at least $15,000 per year, or at least $50,000 per year if you are applying for the Gold version of the card
4. You must be a permanent Australian resident

Provided you fulfil these criteria, you can make a quick and easy online application for the ANZ Balance Visa credit card, but before doing so it is advisable that you collect together all your personal and financial details so that the process is not interrupted by the connection timing out for security purposes.

For the credit card 0 you need:

• Your Australian Driver’s licence, if you have one

• Your employer’s address and contact number, as listed in the White Pages

• Your accountant’s name and contact number if self employed.

• Details of your income, assets and liabilities.

The application should take around ten to fifteen minutes to complete, and once you have submitted your application you will receive a response within sixty seconds. An approval will be an approval in principle, meaning the decision is based on the information you have submitted, which may require subsequent verification. Your identity will certainly require verification, and this must be done in person at a branch of the ANZ.

Here is an overview of the features of this credit card 0, so you can decide whether this is the right card for you:

• An interest rate of on balance transfers

• An ongoing interest rate of p.a. on purchases

• Earn one point for every $1 you pay off your credit card balance. This is the only credit card in Australia that rewards you for reducing your credit card balance Use your points for cashback, shopping vouchers or gift cards

• Choose whether you receive your rewards every three, six or twelve months

• An annual fee of

• A $10 additional cardholder fee

• An interest rate of on cash advances

• Up to 55 days interest-free on purchases

• Up to $15,000 credit limit

With this credit card 0, you will also have the option of designing your own credit card with an image of your choice. All you have to do is upload your favourite photo or design, or choose from one of ANZ’s available images in their image library. This option is open to both existing customers and new customers, and costs $15 extra.

1. You must be at least 18 years of age
2. You must have a good credit rating
3. You must be a permanent Australian resident

Provided you fulfill these criteria, you can make a quick and easy online application for the BankWest Zero Platinum MasterCard, but before doing so it is advisable that you collect together all your personal and financial details so that the process is not interrupted by the connection timing out for security purposes, which takes place after a period of ten minutes inactivity on the site.

The documents you will require for this credit card 0 are:

• Your personal details, and those of any additional cardholders that may be required. This means your name, date of birth, address and contact details.

• Details of your income, assets and liabilities, such as mortgages, loans, property or vehicles owned, any savings etc

The application should take around ten minutes to complete, and once you have submitted your application you will receive a response within sixty seconds. The application process itself is not specifically for a BankWest Zero Platinum MasterCard, but rather for a BankWest MasterCard in general, and once the information is submitted you will learn which card you are eligible to receive based on your declared income. An approval will be an approval in principle, meaning the decision is based on the information you have submitted, which may require subsequent verification. Your identity will certainly require verification, and this must be done in person at a BankWest branch.

Here is an overview of the features of the BankWest Zero Platinum MasterCard credit card 0, so you can decide whether this is the right card for you:

• No annual fees

• An interest rate of 1.99% p.a. on balance transfers for the first 9 months

• An ongoing interest rate of 16.99% p.a. on purchases and cash advances

• Up to 55 days interest-free on purchases

• Up to 3 additional cardholders for free

• A 24/7 concierge service to help arrange travel, bookings, shopping and medical services

• Airline travel and accident insurance protection, no matter where you are in the world

• Automatic purchase protection on any goods you buy

• Up to twelve months extended warranty on top of that provided by the manufacturer

Probably the best feature of this credit card 0 is the absence of any annual fees, which would be creditable on a regular credit card, but is highly unusual on a Platinum card.

1. You must be at least 18 years of age
2. You must have a good credit rating
3. You must earn a taxable income of at least $15,000 per year, or at least $50,000 per year if you are applying for the Gold version of the card
4. You must be a permanent Australian resident

Provided you fulfil these criteria, you can make a quick and easy online application for the ANZ Low Rate MasterCard, but before doing so it is advisable that you collect together all your personal and financial details so that the process is not interrupted by the connection timing out for security purposes.

The documents you will require are:

• Your Australian Driver’s licence, if you have one

• Your employer’s address and contact number, as listed in the White Pages

• Your accountant’s name and contact number if self employed.

• Details of your income, assets and liabilities.

The application should take around ten to fifteen minutes to complete, and once you have submitted your application you will receive a response within sixty seconds. An approval will be an approval in principle, meaning the decision is based on the information you have submitted, which may require subsequent verification. Your identity will certainly require verification, and this must be done in person at a branch of the ANZ.

Here is an overview of the features of this credit card 0, so you can decide whether this is the right card for you:

• An interest rate of 0% p.a. on balance transfers for six months

• A low ongoing interest rate of 12.74% p.a. on purchases

• An interest rate of 20.99% p.a. on cash advances

• Up to 55 days interest-free credit on purchases

• An annual fee of $58

• Up to three additional cardholders for free

With this credit card 0, you will also have the option of designing your own credit card with an image of your choice. All you have to do is upload your favourite photo or design, or choose from one of ANZ’s available images in their image library. This option is open to both existing customers and new customers, and costs $15 extra.

1. You must be at least 18 years of age
2. You must have a good credit rating
3. You must earn a taxable income of at least $50,000 per year
4. You must be a permanent Australian resident

Provided you fulfill these criteria, you can make a quick and easy online application for the Citibank Clear Platinum card, but before doing so it is advisable that you collect together your personal and financial details so that the process is not interrupted by the connection timing out for security purposes.

Here is an overview of the features of this credit card 0, so you can decide whether this is the right card for you:

Main features of the Citibank Clear Platinum Credit Card Offer;

• An introductory interest rate of 0.99% on purchases and balance transfers for the first six months of card ownership

• A low ongoing interest rate of 11.49% thereafter – one of the lowest rates of any card on the market

• Citibank World Privileges, which allows 25% off retail shopping, dining out and travel services

• An annual fee of $99

• A credit limit up to $60,000, giving you greater flexibility to purchase the things you desire

• Access to Visa’s Concierge service, giving you a personal concierge to locate anything you want in the world at any time of the day or night

• Visa Platinum Privileges, offering you premium discounts in hotels, health facilities, retail centres and travel merchants across Australia and around the world

• Citi World Privileges, allowing you to access exclusive discounts and benefits in over 40,000 hotels, restaurants, shops and entertainment facilities across Australia and around the world

• Fraudshied, offering the peace of mind of fraud detection monitoring as an early prevention measure. This monitors for unexpected or unusual card use and flags it up for further investigation

• Free international travel insurance when you purchase your ticket with your Citibank Clear Platinum Credit Card. This covers you against unexpected travel delays, trip cancellation, medical expenses, loss or damage to personal items, and personal liability

Amongst this extensive list of features, probably the most outstanding aspect of this credit card 0 are the interest rates attached to it. Few cards – let alone a Platinum credit card from such a reputable institution – are currently offering 0% on balance transfers and purchases for six months, and the ongoing rate of 10.99% can hardly be bettered.

If you are looking for a way to get out of debt the Bankwest Lite MasterCard is the right choice for you. You might be wondering, how is it possible that a credit card can get you out of debt? Aren’t credit cards to blame for a large majority of personal debt? In part, that is true, credit card debt is a huge problem.

Too many people overspend on credit cards. The problem though, is not just in overspending on purchases and cash advances, but in paying too much in interest. For example, the average credit card earns somewhere around 17% interest. That adds up to a lot of money each month making it difficult to pay enough toward your bill to make a real dent in the bottom line. One of the ways to get out from under that debt is through a balance transfer.

Key Features for the BankWest Lite MasterCard:

• Australia’s lowest MasterCard purchase interest rate of 10.75% p.a.
• Up to 55 interest free days on purchases.
• An annual fee of only $59.
• Access to the RewardMe instant savings program.

According to Money Magazine the Bankwest Lite MasterCard has the cheapest balance transfer available. These cheap rates are how this credit card can help get you out of debt. Not only is the interest rate on a balance transfer extremely low at 1.99% but they lock in that rate for a full 9 months. That’s right you get a whole year to chip away at your old credit card debt while paying hardly anything in interest. Once you have paid off that debt you will find that this credit card continues to be a money saver as long as you own it.

All these perks sound great, but how do you know if you even qualify for a Bankwest Lite MasterCard? They have made finding that out easy too. All you have to do is go to their website and fill out the online application. They determine which of their cards Platinum, Gold, or Classic you qualify for any notify you right away. Then all you need to do is choose your card and start saving money right away.