Do store cards count as credit cards?

Most store cards in Australia are credit cards with American Express, Mastercard or Visa functionality. This means you can use them anywhere regular credit cards are accepted. It also means that details of the store card will be added to your credit history.

Can I use a retail branded credit card anywhere?

Yes, as long as the card has a Visa, Mastercard or American Express logo, you can use it anywhere these cards are accepted. Note that you may earn reward points at a different rate when you make a purchase at a retailer that has no affiliation with the retail brand. Check the terms and conditions for specific information about transactions that are eligible and ineligible to earn points.

How do I get an interest-free period on a store card?

Some store credit cards have an extended interest-free promotion on purchases. Usually you’ll need to present your store card and/or spend a specific amount on eligible purchases to use one of these 0% interest offers. Note that fees may also apply. Most store cards also offer up to a certain number of interest-free days on purchases for each statement period. Just be sure to pay your account in full each month and you won’t get charged any interest on the purchases you make during the next statement period.

Can I transfer my credit card balance to a store credit card?

If the card you're after has an active balance transfer promotion, you can transfer your credit card debt to a store credit card. Generally, you elect to transfer a balance from another credit card at the point of application for the new product. However, you won't be able to transfer your credit card balance to a store card that is designed only for spending at a particular store.

Can I balance transfer a store card debt to a credit card?

Yes, most balance transfer credit cards will accept debts from store cards, as well as other credit cards that are not issued by the same financial institution. You’ll just need to include details of your store card account and debt when you apply for the balance transfer.

What store cards work with Apple Pay?

Coles and Kogan credit cards can be added to Apple Pay. If you're interested in getting a credit card that works with Apple Pay, check out this guide to compare other options.