happy-millenials

How to fund your student holiday with a credit card

Using your credit card to fund your student holiday has its benefits, but it doesn’t come without some costs. Use this guide to weigh up whether you should pay for your next trip on plastic.

Organising a holiday can be expensive. In between saving for flights, accommodation, travel insurance and spending money, it’s easy for the costs to pile up. If you’re still studying, finding the funds to do this can only make things more difficult. This is where a credit card could come in.

While you shouldn’t charge your entire holiday to a credit card, there are a few ways that paying on plastic could help you manage your cash flow when organising your next trip. Use this guide to compare which cards are suitable for students booking their next holiday, the features to look out for and the mistakes to avoid.

skiingholiday (1)

How can I use a credit card to fund my holiday?

While you shouldn’t pay for your whole holiday on plastic, there are a few different ways you can use a credit card to help manage those travel costs. Whether you want to use your credit card to pay for flights, cover your accommodation or consolidate your post-holiday debt, you can compare some of your options below:

Before your holiday: Managing your prepaid expenses

When you’re planning a holiday, many of the costs come up before you even step on the plane. However, there are a few different credit cards on the Australian market that could help you cover some of these costs while racking up some extra benefits.

0% purchase rate credit cards

If you have some big-ticket purchases in mind, a credit card with a 0% purchase rate might help. 0% purchase rate offers can last anywhere from 3 to 15 months, meaning you can pay off your balance without accruing interest for as long as the promotional period lasts. If you’re trying to save your holiday spending money and organise your prepaid costs, a 0% purchase rate credit card could help you manage some of those on credit without the burden of interest. As these 0% rates are only in place for a set period, make sure you pay off the prepaid purchases before the promotion ends to avoid collecting interest when the revert rate sets in.

Comparison of 0% purchase rate credit cards

Rates last updated February 25th, 2018
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
NAB Low Rate Platinum Card
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
0% p.a. for 9 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$100 p.a.
Up to 55 days on purchases
NAB Low Rate Credit Card
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
0% p.a. for 6 months (reverts to 13.99% p.a.)
4.99% p.a. for 6 months
$59 p.a.
Up to 55 days on purchases
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Offer ends on 28 February 2018.
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Up to 44 days on purchases

Compare up to 4 providers

Cards with complimentary international travel insurance

When you plan an overseas holiday, travel insurance is another cost you’ll need to consider. This is where a credit card with complimentary insurance could come in handy. While some cards will require you to spend a percentage of your holiday costs (such as $500 for flights or accommodation) on the card to activate the policy, it could be a convenient way to receive insurance cover without the time and cost it takes to organise standalone travel insurance. The insurance is often eligible for up to six months worth of travel, though you’ll need to make sure you meet the eligibility requirements before you apply.

Comparison of credit cards with complimentary insurance covers

Rates last updated February 25th, 2018
Name Product Bonus Points Rewards Points per $ spent Complimentary Travel Insurance Annual fee Minimum Income Product Description
Qantas American Express Ultimate Card
100,000 bonus points


1.5
Yes
$450 p.a.
$65,000
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
HSBC Platinum Credit Card


1
Yes
$129 p.a.
$40,000
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Westpac Altitude Black - Altitude Qantas Online Offer
80,000 bonus points


0.625
Yes
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
$75,000
Earn 80,000 bonus Qantas Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
St.George Vertigo Platinum - Online Offer
Yes
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
NAB Premium Card - Exclusive Offer
Yes
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
ANZ Frequent Flyer Platinum
65,000 bonus points


0.75
Yes
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
$35,000
Enjoy complimentary membership to the Qantas Frequent Flyer program and access to a 24/7 concierge service.
HSBC Platinum Qantas Credit Card
60,000 bonus points


1
Yes
$199 p.a.
$40,000
Enjoy complimentary membership to the Qantas Frequent Flyer program and the ability to pay with Apple Pay.
St.George Amplify Platinum
60,000 bonus points


1
Yes
$99 p.a.
Earn uncapped rewards points, receive up to 55 days interest-free on purchases and complimentary additional cards.
Westpac Altitude Black - Online Offer
80,000 bonus points


1.25
Yes
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
$75,000
Earn 80,000 bonus Altitude Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
ANZ Frequent Flyer Black
75,000 bonus points


1
Yes
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
$75,000
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.

Compare up to 4 providers

Student credit card

If you’re using a credit card for both everyday and holiday expenses while you’re studying, a student credit card could be another worthwhile option. Only available to applicants who are enrolled in full-time study, student credit cards usually come with lower credit limits, annual fees and interest rates. While they don’t usually offer the same level of features as top-tier cards, they can be a convenient way to manage your costs without the frills.

Comparison of student credit cards

Rates last updated February 25th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
ANZ First Student Card
19.74% p.a.
Up to 44 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Access your account on the go with the goMoney™ app and have the convenience of Android Pay, Apple Pay or Samsung Pay.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
4.99% p.a. for 6 months
Receive special offers from Visa Entertainment, emergency travel assistance and the convenience of payWave.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
Up to 55 days on purchases
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
Get access to Mastercard's Priceless Cities and mobile payment technology with Android Pay, Apple Pay or Samsung Pay.
Citi Clear Platinum
14.99% p.a.
Up to 55 days on purchases
$99 p.a.
A platinum card with benefits including complimentary insurance, a 24-hour concierge service and Citi World privileges.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 20 months with 2% balance transfer fee
Enjoy exclusive offers with the home&Away Privilege Program, a low $1,000 credit limit and the ability to use Apple Pay.

Compare up to 4 providers

travelling on a budget

During your holiday: Handling your travel budget

Now that your prepaid expenses are out of the way, it’s time to plan how you’ll manage your travel budget overseas. While you should have some savings to spend overseas, a credit card could be a useful way to balance out your travel budget between cash and credit. If you want to avoid racking up post-holiday debt, you might even want to consider just carrying a credit card in case of emergencies. Either way, you can compare some of your options below:

No foreign currency conversion fee credit card.

If you’re spending overseas, a regular credit card will quickly rack up foreign currency conversion fees when you pay in the local currency. If you plan to make regular purchases overseas on your credit card, a card with no foreign currency conversion fees can help you save on those costs. These cards generally come with higher annual fees, though, so you’ll want to make sure the interest savings outweigh the standard costs before you apply.

Comparison of no foreign currency conversion fee credit cards

Rates last updated February 25th, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and access to a 24/7 concierge service.
Bankwest Breeze Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
ANZ Rewards Travel Adventures card
0% of transaction value
$0
$0
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

Westpac Lite Card
0% of transaction value
2%
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
Bankwest Qantas Platinum Mastercard
0% of transaction value
$0
2% or $4, whichever is greater
$160 p.a.
Enjoy 0% foreign transaction fees, complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Bankwest More Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$160 p.a.
Earn 2 More Rewards Points per $1 spent, 75,000 bonus points when you meet the spend requirement and save with 0% foreign transaction fees.

Compare up to 4 providers

Rewards credit card

If you’re planning to pay on plastic frequently throughout your holiday, you might want to increase the value you get from your purchases with a rewards credit card. These cards let you earn rewards points per $1 spent, which you can then redeem for flight rewards, travel packages, merchandise, cashback and more. Some cards even offer bonus points for purchases made overseas, which could come in handy on your trip. Again, these cards usually come with higher annual fees and interest rates, so don’t let the promise of rewards sway you. Instead, make sure you compare the other features, fees and costs involved before applying.

Comparison of rewards credit cards

Rates last updated February 25th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway


2
20.74% p.a.
$395 p.a.
Receive a yearly $400 Travel Credit, 100,000 bonus points and 2 entries per year to the American Express Lounge at Sydney International Airport.
Qantas American Express Ultimate Card
100,000 bonus points
Qantas Frequent Flyer


1.5
20.74% p.a.
$450 p.a.
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year. Ends 28 February 2018.
Westpac Altitude Black - Altitude Qantas Online Offer
80,000 bonus points
Qantas Frequent Flyer


0.625
20.24% p.a.
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 80,000 bonus Qantas Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
American Express Velocity Escape Card
12,500 bonus points
Velocity Frequent Flyer


1
20.74% p.a.
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
Citi Rewards Program


1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Woolworths Everyday Platinum Credit Card
Woolworths Rewards


1
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
NAB Qantas Rewards Signature Card
100,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$395 p.a.
Collect 100,000 bonus Qantas Points when you spend $3,000 within 60 days of account opening. Plus, earn up to 12,500 points per statement period.
Qantas American Express Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.

Compare up to 4 providers

Credit cards with purchase protection

Shopping with a credit card overseas can help you make more secure purchases. Many credit cards offer purchase protection cover, which can protect you from fraudulent transactions, replacement or a refund of the purchase price if an item is lost, damaged or stolen and extended warranty protection. In the case of an emergency, make sure you understand what you’re covered for under the policy and the contact details you’ll need to report an issue or make a claim.

Comparison of credit cards with purchase protection

Rates last updated February 25th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
American Express Essential Credit Card
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
Qantas American Express Discovery Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Take advantage of purchase protection repairs or replacements on eligible items if they are accidentally broken or stolen within 90 days of purchase.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$129 p.a.
The HSBC Platinum Credit Card offers purchase protection cover for eligible purchases.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Platinum Edge Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.

Compare up to 4 providers

Happy woman buying online with a smart phone

After your holiday: Consolidating any post-holiday debts

In 2015, finder.com.au reported that more than 2 million travellers were hit with debt lag when they returned from their holiday. According to the survey, one in three Australians who used their credit card on holiday failed to pay off their accumulated debt, worth a total of $139 million, in time to avoid interest. So, while a credit card can be a useful way to manage your costs, it can also be an easy way to fall into debt if you’re not careful. If you have overspent and are struggling to pay off your post-holiday debt, it might be time to consider a balance transfer.

Balance transfer

If you’re struggling to repay your holiday debt due to interest, a 0% balance transfer credit card could help you pay off your debt faster without the cost of interest. 0% balance transfer offers are only available for a promotional period and generally last from 6 to 20 months. When the promotional offer ends, a standard balance transfer interest rate will apply and your debt will continue to grow with interest. So if you really want to et your post-holiday debt under control, be sure to pay the debt off in full before the offer ends.

Comparison of balance transfer credit cards

Rates last updated February 25th, 2018
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Westpac Low Rate - Online Offer
0% p.a. for 30 months with 2% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers and earn 3 bonus Velocity Points per $1 for the first 3 months. Offer ends on 28 February 2018.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
Bank of Melbourne Vertigo Platinum
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.

Compare up to 4 providers

For more tips, see our guide on how to use a credit card for your next holiday.

What are the benefits of using a credit card to fund your student holiday?

  • Security of credit. Credit cards give you access to an emergency line of credit and their purchase protection features could give you extra peace of mind when shopping overseas.
  • Travel-centric extras. Some credit cards offer extra features designed for frequent travellers including rewards programs, complimentary airline lounge access and included international travel insurance.
  • Manage prepaid cash flow. Using a credit card to pay for expenses such as flights can free up your savings for incidental expenses and holiday spending.
  • Debt consolidation tool. If you return from holiday with a debt, a balance transfer credit card can help you consolidate your balance in a credit card with 0% on balance transfers for a set period. Not only will you be able to pay off your debt quicker, but you can do so without the burden of interest.

What are the downfalls of using a credit card to fund your student holiday?

  • Temptation to spend. Unlike when you’re spending to a budget with your debit card, a credit card can tempt you to spend more than you have. Remember that you have to repay everything you charge (plus interest) and stick to a budget whenever you can.
  • Come with extra costs. Unlike a debit card, credit cards come with extra costs such as annual fees, interest charges and late payment fees.
  • Shouldn’t be used for ATM withdrawals. Using your credit card at an ATM is considered a cash advance. Unfortunately, cash advances collect a higher interest rate and can also incur a cash advance fee. You might want to consider a debit card or prepaid travel card for withdrawals instead.
  • Eligibility requirements. Credit cards also come with stricter eligibility requirements than debit cards or prepaid cards. This means you’ll need to meet a minimum income requirement, have a good credit history and meet the age restriction to receive approval.

How do I apply for a credit card to fund my student holiday?

If you’ve decided to use a credit card to fund your student holiday and have compared your options, you’ll need to make sure you meet the eligibility requirements and have prepared the necessary documents before you apply:

Eligibility requirements

  • Age. All Australian credit cards require cardholders to be at least 18 years old.
  • Minimum income. Most credit cards come with a minimum income requirement. If you’re studying full-time, you might want to consider comparing low income credit cards (which usually start at around $15,000 p.a.) to ensure you meet the minimum requirement.
  • Credit history. Credit card issuers require applicants to have a good credit history. If you’ve never had a credit card before, it’s likely that you’ll have no activity on your credit history. If this is the case, you might need to get in touch with the issuer directly to see if there are any other details you need to provide to improve your chances of approval if you don’t have a credit score.
  • Residential status. Many credit cards require cardholders to be permanent Australian residents.
  • Full-time enrolment. If you’re applying for a student credit card, you’ll need to be enrolled full-time at an eligible university, TAFE or other education institution.

Required documents

  • Proof of identity. You’ll need to provide proof of identity such as your birth certificate, passport or driver’s licence.
  • Proof of income. You’ll need to include proof of income such as recent payslips, Centrelink payments and even student scholarships if relevant.
  • Student information. You’ll need to also provide proof of your full-time enrolment.
  • Co-signer. If you’ve never had a credit card, you might be required to have a co-signer when you sign up for the card. The co-signer is usually your parent or guardian and will be responsible for your debt if you’re unable to make repayments.

A credit card can come in handy whether you’re planning for your holiday, managing your travel spending budget or consolidating your post-holiday debt. However, it’s important to remember that you have to repay everything you charge and you don’t want to rack up debt and get your credit history off to a bad start while you’re still studying. Above all, be sure to compare your options and ensure you can afford the card before you apply.

Back to top
Was this content helpful to you? No  Yes

Related Posts

Credit Card Offers

Important Information*
American Express Velocity Escape Card
American Express Velocity Escape Card

Interest rate

20.74

Annual fee

0
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Westpac Low Rate - Online Offer
Westpac Low Rate - Online Offer

Interest rate

13.49

Annual fee

59

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site