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Cash Back Credit Cards. Air Miles Credit Cards. Petrol Credit Cards. Promo Credit Cards. Overseas Spending Credit Cards. No Annual Fee Credit Cards. Bill Payment Credit Cards. Online Shopping Credit Cards. Grocery Credit Cards. Dining Credit Cards. Rewards Credit Cards. Shopping Credit Cards. Entertainment Credit Cards.

Student Credit Cards. Bank Accounts Fixed Deposit.

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10 Best Credit Card Offers October | One Mile at a Time

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Coming Soon Investments. All Banks. Best Promo Credit Cards. Up to 1. Apply Now. Claim here Valid till 31 Oct More Details. Apply Now Apply. Applies to new-to-bank customers. MoneySmart full fulfilment Terms and Conditions here. See all card details. Citi Cash Back Card. Spend per month.

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Applies to new to bank customers. Claim Here Valid till 01 Nov Citi Rewards Card. Popular Promo Credit Cards. Citi PremierMiles Visa Card. Get 40, Citi Miles when you apply, pay annual fee and spend min. Up to 3. Valid till 31 Dec Standard Chartered Spree Credit Card. Valid till 31 Oct Spend per month, per quarter. Maybank Horizon Visa Signature. Maybank Platinum Visa Card. UOB One Card. Unlimited Cash Rebate cap. Credit Card Promotions Singapore.

What Are Credit Card Promotions? Show Me Now. By searching Mozo's travel credit card hub for some plastic specifically designed for overseas use, you could save yourself big bucks.

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Whether you're a no frills kind of borrower or a big spender looking to rack up rewards points, you should always compare the credit card market to ensure you sign up with the best deal for you. Here are some features to look out for:. Interest free days: As the name suggests, your interest free days is the amount of time you will pay no interest on your purchases, which is usually 44 or 55 days and starts at the beginning of your statement period and ends on your credit card due date.

Big catch coming up: If you fail to pay off your statement balance in full by the due date, you will no longer receive those interest free days for your next statement period.


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To start receiving interest free days again, you'll need to reduce your balance back down to zero first. The best way to ensure you never miss a credit card monthly payment is to set up a direct deposit from your bank account to your credit card provider, so you can clear your balance in full by the due date each month and continue to enjoy interest free spending during the next period.

Complimentary insurance: As mentioned above, many reward and platinum credit cards come with some great complementary features including:. Card scheme: When you start looking for a credit card you will find there are three main schemes to choose from - Mastercard, Visa or American Express. But will choosing one from the other make a difference to your experience? Here's a quick comparison:. Credit cards are a great convenience, as they allow you to spend in-store, online and overseas and take advantage of features like interest free days and rewards points, but this convenience can come at a price.

So watch out for these fees that could end up costing you big bucks:. If you're paying a high annual fee, you should make sure it is worth your while with generous rewards points and other perks that you can make regular use of like international travel insurance. But if you're a no frills type of person who pays your credit card bill on time each month and doesn't use credit card perks like rewards, there's no reason you should be forking out money for an annual fee. And unlike purchases, interest free periods don't apply for cash advances so you'll be charged interest from the day you make the cash advance until the day you clear your credit card balance.

So when you're planning your next international vacay, search Mozo's travel credit card section for some plastic that has low or no foreign currency conversion fees whatsoever. So as suggested above, set up automatic repayments so you never miss the due date. Ah, the age old debate of plastic versus personal loans. That's not a problem if you are able to pay off the card in full each month and thus avoid the interest charges, but as soon as you do rack up credit card debt it takes discipline to pay it off. For those who don't have the financial discipline and commitment to paying down credit card debt as fast as they can, a personal loan can be a good alternative, particularly for big ticket costs or purchases that may be impossible to repay within a 55 day interest free period.

The monthly repayments are designed to actually pay off the whole loan over that period, and some personal loans also let you make extra repayments to pay it down even faster if you can afford to.

For more information about the difference between the two, read our full comparison of personal loans vs credit cards. Ready to start comparing? Alternatively you can use our credit card search tool to punch in your details for a personalised search result. Identification: The bank or credit card provider will ask for details of your identification like your Australian driver's licence number.

You will also need to be an Australian resident and usually over the age of Financial details: They'll also want to know details of your employment and how much you earn. When assessing your application, the provider will take into account a number of factors including your job stability, earnings, expenses and credit history. A card provider may also reject your application if you've applied for several credit cards in a short space of time, as this may indicate that you are struggling financially.

To maximise your chance of being approved, don't apply for a credit card without first checking that you can meet the application requirements and don't apply for a credit card unless you seriously intend to use it. Finally, even something as simple as entering incorrect information on your application can be grounds for rejection, as a something like an incorrectly entered driver's licence number for instance can make it difficult for the card provider to verify your identity. Always read over your application before you submit it and double check that all the information you've entered is correct.

If you've been rejected for a credit card, don't make the problem any worse by immediately applying for another card. The first thing to do is get in touch with a credit bureau to request a copy of your credit report. This will tell you if your credit rating needs improving, or if there are any mistakes on your report that could have led to your rejection.

If your credit rating is less than stellar, make a plan to try and improve it. This could include consolidating outstanding loans or cards into a debt consolidation loan to help you pay off the debt faster.