The Citibank Platinum Credit Card

International lender, Citibank, seeks to compete with Australia’s major lenders and other foreign lenders when it comes to luxury credit cards. The Citibank Platinum Credit Card is a product which offers a galore of features to users who are seeking convenience and luxury. The card is not for everybody, however; just the few who can afford to pay the substantial annual fee of $250. Nevertheless, the card does offer great affordability with its introductory balance transfer rate. Read the rest of this entry »

Money Saving Advice for Store Card Users

It’s no secret that the interest rate on store credit cards can be quite hefty, often a little more than the average credit card, and substantially greater than the interest on low rate credit cards. So, are store credit cards expensive for everybody? The simple answer is no. If this was the case everyone would avoid store credit cards. Read the rest of this entry »

Let’s Take a Look at Reward Credit Cards

Lenders provide an incentive for credit card customers to continually spend with their credit cards. With the use of reward programs and schemes, lenders encourage card users to repeatedly use their cards for purchases in exchange for points which can later be exchanged to redeem rewards, once a specific amount has been accrued. Read the rest of this entry »

Perks of Annual Fee Business Credit Cards

The rewards and benefits of a business annual fee (or reward) credit card is similar to a personal annual fee card. The business has access to a 24/7 concierge service, gift cards, complimentary domestic and international flights, shopping vouchers, food, entertainment, and even tickets to theme parks and day long spas. One of the best aspects of business reward cards is showering clients with gifts from the rewards program, such as spa visits and bottles of wine, or even vacations for the most valued clients.

Business cards generally cost the same as personal cards. For instance, the CitiBusiness credit card offers a rate of 21.49% on purchases and cash advances, 2.9% on balance transfers for six months and a $149 annual fee. The major difference between personal and business cards is the credit limit: the CitiBusiness card has a limit of $60,000 that far exceeds the average limit on a standard personal credit card. With CitiBusines cards, businesses earn 1.25 points for every dollar spent, which can easily add up with business expenditures.

If companies decide not to shower clients with rewards, they can always be used to reward employees and boost workforce morale or used to save money on travel and other expenses. With annual fee business credit cards, the possibilities are endless.

Low Annual Fee Platinum Credit Card

The platinum low interest rate credit card costs users a mere $89 per month and charges a meagre 15.99% p.a. interest after a 55-day interest free period, one of the lowest interest rates associated with any platinum credit card. The card does charge a slightly higher 21.49% p.a. on cash advances and 3.99% p.a. on balance transfers for six months before the costs revert to the purchase rate. Read the rest of this entry »