The American Express Centurion Card

The AmEx Centurion Card makes the average platinum credit card seem like a no frills card, because it is truly in a league of its own. Internationally known as the “Black Card,” due to its classy metallic black exterior, the AmEx Centurion is arguably the most exclusive credit card in the world. Read the rest of this entry »

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 »

Extra Fee For Additional Security

The Virgin High Flier card was designed with security in mind, most likely in response to frequent reports of credit card scams and identity theft.  This product definitely demonstrates that the lender knows exactly how to keep financial information secure. The High Flier card offers the very best security to protect credit card users 24/7.

Credit cards are constantly touted as a safe payment alternative to other forms of payment, and this is still the case. Unfortunately, each month thousands of card users fall victim to credit card fraud and theft. With the High Flier card, users can feel confident and secure about the security features which are provided. Each credit card is equipped with the most advanced information chip and PIN technology is also provided for additional protection. If a card was to be lost, damaged or stolen, cardholders could contact a customer service representative any time of day and any day of the week, and a replacement card will be promptly sent.

The fraud shield system watches for any suspicious transactions and if any do occur, the card will be temporarily suspended while the customer is notified. Enhanced online security is applied to every online purchase, to assure every transaction is secure. Furthermore, the card is backed by Visa’s zero liability guarantees, which means borrowers will not be financially liable for any fraudulent charges.

Understandably, shoppers will not sign up for a credit card simply for it security features, regardless of how substantial they are. To attract customers Virgin offers 1.25 velocity reward points for every dollar spent. Frequent shoppers can rack up endless points, as there is no rewards cap.

Cardholders can also get up to four free flights a year on Virgin Blue, plus complementary travel insurance for each ticket purchased with the credit card. The credit card also serves to assist shoppers escape credit card debt. Customers are offered 6.9% per annum for the first 6 months, when they transfer their debt balance from another card. Thereafter, the standard purchase rate reverts to 20.99%, which is the same rate applied to cash advances.

For a relatively steep annual fee of $249 per annum, card users benefit from one of the securest cards on the market and have the opportunity to getaway on multiple free flights each year with the protection of travellers insurance.