Reward credit cards are a great option for those that use a credit card responsibly. Today in Australia there are many types of reward credit cards on the market. Novices to the industry can find the task of selecting the best reward credit card difficult due to the wide range to choose from. Reward credit cards can come in many forms including shopping, frequent flyer and petrol. In order to determine what card is right for you a choice needs to be made on how you would most benefit from cashing in on your points. As a consumer you need to decide whether you like a discount on shopping, air travel or petrol. Once you have decided what area you want to receive a discount then you can select a rewards credit card that fits into one of these categories. To make things a little easier for you Fizone has selected a range of featured shopping, air travel and petrol discount credit cards available for you to apply for online.

Selecting the best rewards credit card can be difficult however if you follow the guidelines below it will save you the headache of working through the reward credit card maze. Select what category you would like to redeem your bonus points in and see what credit cards are available within this category. Be sure to go over the finer credit card points of the bonus programs and use your credit card responsibly to get the maximum benefits by paying your full card balance on time.

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Credit Card Rewards – The Australian Perspective

Debb – Victoria

I travel a lot. Without a reward credit card it would be a lot harder to make any online bookings to book flights or hotel rooms. I keep to a small limit card, so if it gets lost or stolen or skimmed, there is only a small limit that can be taken. My reward credit card is easy to top it up from my bank account, anywhere in the world if more funds are needed. If I know that I am going to make a big credit card purchase like a cruise or airfares I just top up my credit card beforehand.

Clay – South Australia

My reward credit card is easy, it is convenient, and above all it is save if you keep your wits about it and pay off your credit card balance on time each month. All of us when we started young couldn’t get a credit card and cash was the way of life back in the 80′s. So when we went to get a loan we had no credit history. so we got made to get ourselves in debt in order to get the things in life. Contracts, loans and credit cards are given out too easily to young people who have not experienced bill paying or budgeting.

Then on the other hand, we have to keep up with the times of the reward credit cards. Booking online holiday’s, shopping and other convenient services to make our life easier. If you can control and not over spend your weekly limit, a reward credit card can be your best friend. However if you go beyond your means of spending credit cards can be your worst enemy. Two minds for me on love or hate, but the key to any finance and credit is control of spending; do you really need it?

Michael – New South Wales

I am happy with gold reward credit card initiated by NIA because I got it for free lifetime no annual fee and Ascent membership. The rewards program is excellent – so versatile and many choices available – just wish I could use the card everywhere. With my new reward credit card from Westpac, that has low interest rate and no annual fee as well so that’s great too. With these 2 reward credit cards, I don’t need to carry too much cash and that is less risky if you get robbed, and you can cancel the credit cards anytime if they do get stolen or lost. I wouldn’t do without my reward credit cards. I’m able to use them wisely to my advantage by paying my debt off every month by bpay, by the due date so I get at least 55 days interest free. And my cash can earn interest in my savings account.