Finder - Compare Australian Credit Cards

Compare credit cards

Updated December 8th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Balance transfer rate
20.74% p.a.
Up to 55 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
0% p.a. for 18 months
0% Balance Transfer Offer & up to 70,000 bonus Velocity Points*
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
21.99% p.a.
Up to 55 days on purchases
$0 p.a.
International Shopping Credit Card
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
0% for 13 months, reverts to 21.49% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
0% p.a. for 13 months
0% p.a. Purchase & Balance Transfer Offers*
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
19.99% p.a.
Up to 55 days on purchases
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months
0% p.a. for 18 months
120,000 bonus Qantas Points & Balance Transfer Offer
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 9 months
0% p.a. for 9 months
Platinum Credit Card with a Low Interest Rate*
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
11.99% p.a.
Up to 45 days on purchases
$0 p.a.
Low Rate Credit Card with No Annual Fee*
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.
20.24% p.a.
Up to 55 days on purchases
$425 p.a.
20.24% p.a.
20.24% p.a.
$275 back & 120,000 bonus Qantas Points*
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
0% for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
Long-Term Purchase Rate Offer*
A no-frills credit card with a competitive annual fee and 0% p.a. on purchases for 15 months. Plus, a 0% balance transfer offer for 6 months.
21.49% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
0% p.a. for 15 months with 1% balance transfer fee
Bonus Points & Balance Transfer Offer
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
17.99% p.a.
Up to 55 days on purchases
$0 p.a.
2.99% p.a. for 9 months
2.99% p.a. for 9 months
$0 Annual Fee & 0% Foreign Transaction Fees
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
0% for 14 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
0% p.a. for 6 months
Introductory Purchase Rate and $0 Annual Fee Offer*
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
21.49% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 26 months with 1.5% balance transfer fee
0% p.a. for 26 months with 1.5% balance transfer fee
Balance Transfer and Discounted First Year Annual Fee Offer
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
9.89% p.a.
Up to 55 days on purchases
$69 p.a.
Low Rate Credit Card Offer*
Offers a competitively low interest rate and up to 55 days interest-free on purchases. Plus, price and purchase protection covers.
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Low Annual Fee with Balance Transfer Offer*
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Low Introductory Balance Transfer Rate*
Enjoy 0% p.a. interest for up to 18 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
19.99% p.a.
Up to 44 days on purchases
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
0% p.a. for 6 months with 2% balance transfer fee
Bonus Qantas Points Offer*
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
Westpac Low Rate Card
2019 Winner
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months
0% p.a. for 16 months
0% p.a. Balance Transfer Offer*
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Low Rate Platinum Credit Card Offer
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
19.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
Discounted First Year Annual Fee & Balance Transfer Offer*
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
11.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 14 months
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.

Compare up to 4 providers

Updated December 8th, 2019
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount saved
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
0% p.a. for 18 months
13.99% p.a.
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
0% p.a. for 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.

Compare up to 4 providers

Updated December 8th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
70,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
120,000 bonus points
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
100,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points, 3x points on eligible Qantas flights and 2 lounge passes.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
200,000 bonus points
Membership Rewards
Amex
2.25
N/A
$1,750 p.a.
Finder Exclusive for ABN holders w/ $75,000 revenue:
Get 200,000 bonus points, no pre-set spending limit, 55 days cash flow days, luxury travel perks and up to 2.25 points per eligible $1 spent.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
50,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days of approval. Plus, complimentary insurances and a concierge service.
60,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Receive 60,000 bonus Velocity Points when you spend $3,000 within 90 days of card approval. Plus, 2 complimentary Economy X Seat Upgrade Vouchers each year.
80,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.75
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
75,000 bonus points
Velocity Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).

Compare up to 4 providers

*The credit card offers compared on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

What is Credit Card Finder and how can I use it?

Credit Card Finder is a free, Australian-owned service that you can use to compare credit card offers from banks, credit unions and other financial institutions. You can use the guides and comparison tables to find the best credit card for you.

You could pay down debt with a 0% balance transfer credit card, save money with a low interest card or reward your spending with a frequent flyer credit card. You can compare cards by issuer, read individual card reviews and explore the latest introductory offers.

When you find a credit card that you want to apply for, just click the "Go to Site" button in the comparison table or review. This takes you to the official application page, where you can read the full terms and conditions before starting a secure, online application with the credit card company. This also means that Finder doesn't collect your personal details during the application process.

Compare popular credit cards

Credit Card Balance Transfer Offer Annual Fee
0% p.a. for up to 9 months $0 first year annual fee ($99 p.a. thereafter)
0% p.a. for up to 15 months $58 annual fee
0% p.a. for up to 13 months $49 first year annual fee ($149 p.a. thereafter)
0% p.a. for up to 20 months $49 first year annual fee ($129 p.a. thereafter)

Some credit card providers we compare

amex logo
anz logo
westpac logo
nab logo
citi logo
updated virgin money logo

Qantas Money Credit Card Offer

Qantas Premier Platinum

Earn up to 120,000
bonus Qantas Points
Discounted $199 first year annual fee

Offer ends 26 February 2020

Eligibility criteria, terms and conditions, fees and charges apply

Qantas Money Credit Card Offer

Receive up to 120,000 bonus Qantas Points. Plus, complimentary lounge passes and a discounted first year annual fee.

  • 20,000 bonus Qantas Points each month for the first 6 months when you spend $1,500 each month (120,000 points total)
  • Discounted $199 annual fee for the first year ($299) p.a. thereafter
  • Purchase interest rate of 19.99% p.a. and cash advance rate of 21.99% p.a.
  • Two complimentary lounge invitations each anniversary year
Go to Site
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Compare the latest credit card offers in our credit card comparison tables to reach an informed decision.
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Apply for your new credit card securely via the bank or lender's online credit card application form.
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*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Australian Credit Cards

Last updated:

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79 Responses

  1. Default Gravatar
    RobOctober 8, 2019

    Hi expert, I am a NZ citizen staying in Australia with the Special Category Visa. Most of the banks/financial institutions require the applicant to at least have the long term work visa. Is there any that allow me to apply using my SCV ? Thanks

    • Avatarfinder Customer Care
      NikkiOctober 10, 2019Staff

      Hi Rob,

      Thanks for getting in touch! All of the banks have their own criteria for residency, which unfortunately are subject to a lot of change (not just the criteria, but the visas themselves). ANZ does not give a requirement for which visa you have, as long as there are at least 9 months remaining. AMEX are often quite easy to deal with. It would be best to give your preferred banks a call directly to obtain more information. Another tip would be to go to the bank with which you have your transaction account and see what they can do for you.

      As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of this account before applying. You may also contact the bank should you have any questions about their product.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    ArenSeptember 4, 2019

    Are there banks in Australia which has credit card instant approval?

    • Avatarfinder Customer Care
      NikkiSeptember 4, 2019Staff

      Hello Aren,

      Thanks for your message. Yes, there are credit cards that you can easily apply for getting approved and you can get started by viewing this page. On the page, you will find a table that compares the features and benefits of each credit card provider such as purchase rate, balance transfer rate, fees, and credit limits. This way it will be easier for you to see which provider fits you best. It also shows how each type of card evaluates an application and how you would be able to meet their eligibility criteri.

      When you have chosen the right one for you, click the MORE INFO button if you want to read more about the brand through Finder page reviews or click the GO TO SITE button to bring you to the main provider’s webpage. This is where you can start your application or get a quote. As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and best of luck on your application!

      Cheers,
      Nikki

  3. Default Gravatar
    KathrynMarch 26, 2019

    I am after a Visa or Mastercard with the highest rate of points earn per $ spent for Velocity or Qantas.

    • Avatarfinder Customer Care
      JeniMarch 28, 2019Staff

      Hi Kathryn,

      Thank you for getting in touch with Finder.

      You may check out this page to stage to start comparing cards that earn Velocity points and this page for credit cards that earn Qantas points. The Rewards per dollar spent column would help you choose which card to go with.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    PatrickFebruary 28, 2019

    I have American Express cards and I am wanting a Visa or Mastercard have excellent history with current provider.

    • Avatarfinder Customer Care
      JeniMarch 2, 2019Staff

      Hi Patrick,

      Thank you for getting in touch with Finder.

      Good to know that you have an excellent credit history.

      Regarding your query on applying for a Visa or Mastercard credit card, kindly check out these pages to compare credit cards that would suit your needs.

      Visa credit cards: https://www.finder.com.au/credit-cards/visa-credit-cards
      Mastercard credit cards: https://www.finder.com.au/credit-cards/mastercard-credit-cards

      Please refer to the comparison table and you may compare credit cards by looking at their fees, terms and rates as well.

      Once you’ve chosen a provider, you may click on the “Go to site” to be redirected to their official page where you can check more details or even start your application.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    ToddFebruary 4, 2019

    Hi I am looking for a business credit card to earn us maximum frequent flyer points

    • Avatarfinder Customer Care
      AshFebruary 6, 2019Staff

      Hi Todd,

      Thank you for contacting finder.

      You may compare the Business Credit Card at this page that will let you earn Frequent Flyer Points from your eligible spending. You may use the earned points for rewards such as business flights, flight upgrades, accommodation and cashback for you and your employees.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  6. Default Gravatar
    peterJanuary 25, 2019

    I had a CTB credit card for many years and used it to travel overseas with the travel insurance. I did not think we would be travelling again and surrendered it last June. Do you still have that sort of card? My record is on the computer. Did pay I think $90 per year?

    Please help.

    • Avatarfinder Customer Care
      JeniJanuary 27, 2019Staff

      Hi Peter,

      Thank you for getting in touch with finder.

      Regarding your query on getting your old credit card back, kindly contact the credit card issuer that you had your old card with to verify if the account is still open or not. If it’s still open, you may request for a replacement card to be sent out since you are travelling again and might use the complimentary travel insurance your card has.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  7. Default Gravatar
    johannesJanuary 10, 2019

    my card is lost and need a replacement card how do I get it?

    • Avatarfinder Customer Care
      JohnJanuary 11, 2019Staff

      Hi Johannes,

      Thank you for reaching out to finder.

      Depending on the card you have, you may need to contact your customer service department immediately to close your lost card. They will also be the one you need to reach out to in getting a replacement sent to your address. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    KerryDecember 29, 2018

    I am travelling to UK and Ireland. Obviously looking at the best cards to travel with. I am considering the Qantas Travel Card and the 28 degrees credit card. Is there any other cards I should consider? I have gone through the websites to try and identify the best ones but I find it very confusing. What would you suggest?

    • Avatarfinder Customer Care
      JeniDecember 30, 2018Staff

      Hi Kerry,

      Thank you for getting in touch with finder.

      Since you’re looking for a credit card to use for your trip to Ireland and UK, you’re currently at the right page. At the dropdown menu, choose stop paying foreign fees and you’ll be redirected to this page. On that page you may compare credit cards with 0% foreign fees and will let you save money when you shop overseas.

      You may also find our travel money guide pages helpful since you want to know which cards would let you save more while exploring the world.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    ParthDecember 6, 2018

    Does this work?

    • Avatarfinder Customer Care
      JohnDecember 10, 2018Staff

      Hi Parth,

      Thank you for leaving a question.

      Yes, the comparison website works for our Credit card finder. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!

      Cheers,
      Reggie

  10. Default Gravatar
    SaiOctober 17, 2018

    I’m searching for a credit card which can be applied by a temporary resident, Visa 482 (formerly 457). The search results are showing as of 2017, can you please let us know the list of credit cards that can be applied by a temporary resident, we followed that link and found that many banks are now not offering any credit cards for a temporary resident.

    Please help me on this request, appreciate your help!

    Regards,
    Sai

    • Avatarfinder Customer Care
      JohnOctober 17, 2018Staff

      Hi Sai,

      Thank you for leaving a question.

      Please click on this link to be routed to our up to date review page on credit cards for temporary residents. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.Hope this helps!

      Cheers,
      Reggie

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