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fund wedding with credit card

How to fund your wedding with a credit card

Learn more about how a credit card could help you say “I do”.

It’s no secret: weddings are expensive. A survey conducted my MoneySmart in 2012 put the average cost of a wedding at $36,200. It also found that about 60% of respondents got a loan to cover the costs and 18% used a credit card.

The cost today could be more or less, but either way, there is a good chance that you’ll need a large sum of money to pay for your big day. If you’re considering using a credit card to help cover the costs, read this guide to learn about your options and the key details you’ll need to consider when deciding if paying with plastic will work for you. If you are looking for a personal loan, you may consider comparing wedding personal loans.

Types of credit cards you could use to fund your wedding

Photography, venue hire, food and flowers are typical wedding expenses. Whether you’re using a low rate credit card so you can buy now and pay later, or a rewards credit card so you can honeymoon on the points, we look at the advantages and disadvantages of each type of card.

Low or no interest credit cards

Low or no interest credit cards are characterised by either a low ongoing purchase rate of interest or low or no interest on purchases for a limited period of time. For expenses relating to a specific event, such as a wedding, you may want to consider credit cards with 0% purchase rate promotional offers for more than one year. This allows you to charge the cost of purchases like catering to the account when you need to and gives you time to pay off the balance without accruing interest.

Keep in mind that some low rate cards don’t offer extras or rewards. So if you want to take advantage of these features for your honeymoon (and beyond), you may want to consider a low rate platinum credit card or look at cards in different categories.

Compare low or no interest credit cards

Rates last updated July 27th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
13.24% 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 14 months
Receive an annual fee discount in the first year and the ability to make contactless payments with Visa payWave technology.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Offers a low $500 minimum credit limit, special offers from Visa Entertainment and Tap and Pay capabilities.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
Manage and secure your card with the free Bendigo Bank Protect+Pay app and add an additional cardholder for $0.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0 and has Mastercard PayPass.
BankSA Vertigo Visa
13.24% 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 18 months
A no-frills Visa with the protection of a zero liability policy and the 24/7 Falcon® Fraud service. Plus, a discounted annual fee in the first year.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 31 July 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Take advantage of the optional insurance coverage of CreditShield Edge. Plus, enjoy the convenience of contactless payments with Visa payWave.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
Offer a low minimum credit limit of $500, the ability to use Apple Pay and Android Pay and a discounted annual fee for the first year.

Compare up to 4 providers

Compare low or no interest on purchases

Rewards credit cards

If you use a rewards credit card to pay for your wedding, not only could you earn points on your necessary wedding costs, you could then use the points to redeem rewards to pay for the cost of domestic and overseas flights, accommodation and travel packages for your honeymoon. Plus, some cards offer bonus points on signup, which could really help bolster your points balance.

There are two main types of rewards cards on the market: frequent flyer credit cards and rewards credit cards. A frequent flyer credit card gives you frequent flyer points when you make eligible purchases, and a rewards credit card gives you points with a dedicated provider program, such as CommBank Awards.

The main difference between these two options is the scope of rewards. Frequent flyer rewards programs such as Qantas or Velocity provide travel-focused rewards whereas rewards programs such as CommBank Awards or Citi Rewards have an equal focus on merchandise rewards as well as flights with a number of partner airlines. So if you’re loyal to one airline, such as Qantas or Virgin, a frequent flyer credit card might be the right choice. If you want more flexibility with your rewards, consider a rewards credit card that you can use to redeem rewards for cashback, merchandise from the online store or flights with one of the bank’s partner airlines.

Some of these cards also include perks such as complimentary international travel insurance, which could save you hundreds of dollars on purchased insurance for your destination wedding or honeymoon. As rewards credit cards tend to have higher annual fees and interest rates, it’s important to make sure that the value of the rewards you redeem outweighs this cost.

Compare rewards credit cards

Rates last updated July 27th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Qantas American Express Ultimate Card - Online Offer
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
American Express Velocity Platinum Card
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Apply by 31 July 2017 and consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within first 3 months and complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($169 p.a. thereafter)
Until 31 July 2017, exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent.
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
ANZ Rewards Platinum
50,000 bonus points
1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
Bank of Melbourne Amplify Platinum - Qantas Rewards
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Signature
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
NAB Qantas Rewards Signature Card
75,000 bonus points
1
19.99% p.a.
$395 p.a.
Receive 75,000 bonus Qantas points when you spend $4,000 on everyday purchases within 60 days of account opening.
Qantas American Express Premium Card
30,000 bonus points
1.25
20.74% p.a.
$249 p.a.
Enjoy two complimentary Qantas Club lounge invitations per year, plus the protection of complimentary travel and purchase insurance.
NAB Rewards Signature Card
75,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Receive 75,000 Bonus Points when you spend $4,000 on everyday purchases in the first 60 days of account opening.
St.George Amplify Signature - Amplify Qantas
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
St.George Amplify Platinum - Amplify Qantas
40,000 bonus points
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
Bank of Melbourne Amplify Signature - Amplify Qantas
60,000 bonus points
0.75
0
19.49% p.a.
$279 p.a.
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
BankSA Amplify Signature - Amplify Qantas
0.75
0
19.49% p.a.
$279 p.a.
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
NAB Rewards Classic Card
25,000 bonus points
0.75
19.99% p.a.
$95 p.a.
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
BankSA Amplify Platinum - Amplify Qantas
0.5
0
19.49% p.a.
$99 p.a.
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
Westpac Altitude Black
80,000 bonus points
1.25
3
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 26 October 2017.
BankSA Amplify Platinum
1
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and redeem for a wide range of products including flights.
Bank of Melbourne Amplify Signature
60,000 bonus points
1.5
0
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent and receive an additional card at no extra cost.
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points
1
20.74% p.a.
$144 p.a. annual fee for the first year ($289 p.a. thereafter)
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 30,000 bonus Velocity Points. Plus, complimentary travel insurance.
St.George Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
ANZ Rewards Travel Adventures card
40,000 bonus points
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Bank of Melbourne Amplify Platinum
40,000 bonus points
1
0
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance and purchase protection.
NAB Velocity Rewards Premium Card
0.5
1
19.99% p.a.
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
Citi Qantas Signature Credit Card
50,000 bonus points
0.5
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get a 2 airport lounge visits per year.
American Express Platinum Business Card
120,000 bonus points
0
1
$1,500 p.a.
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
BankSA Amplify Signature
1.5
0
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent, receive complimentary travel insurance and access to the Visa Luxury Hotel Collection.
American Express Gold Business Card
10,000 bonus points
0
1
$169 p.a.
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
Commonwealth Bank Business Awards Credit Card
1
0.5
20.74% p.a.
$100 p.a.
Earn up to 1.5 Awards points per $1 spent, easily integrate your online accounting software, plus complimentary Transit Accident Insurance.
Commonwealth Bank Business Awards Platinum Credit Card
1
0.5
20.74% p.a.
$300 p.a.
Earn up to 3 Awards points per $1 spent and receive complimentary travel and unauthorised transaction insurances.
American Express Platinum Card
100,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
NAB Qantas Rewards Premium Card
50,000 bonus points
0.5
1
19.99% p.a.
$250 p.a.
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
NAB Velocity Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Qantas Rewards Card
0.5
0.75
19.99% p.a.
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB flybuys Rewards Card
1
0
19.99% p.a.
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
Citi Rewards Signature Credit Card
75,000 bonus points
1
20.99% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 1 Point per $1 spent on selected purchases and receive a complimentary Priority Pass membership with two airport lounge visits per year.
Citi Prestige Card
70,000 bonus points
3
20.99% p.a.
$700 p.a.
Earn from 1 Point per $1 spent on selected purchases and enjoy unlimited airport lounge access with a complimentary Priority Pass.
David Jones American Express
30,000 bonus points
2
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
Woolworths Everyday Platinum Credit Card
1
0
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
20.74% p.a.
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
0
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

Compare up to 4 providers

Maximise points through rewards credit cards

High credit limit credit cards

Rewards, frequent flyer, gold, platinum, diamond, black, Signature and Prestige credit cards typically offer higher credit limits than no annual fee and low rate credit cards. Whichever card you choose, just be sure the credit limit is high enough to cover your expected expenses. You can view the product’s maximum credit limit by reading our credit card review and application pages.

Note that the actual credit limit you get is calculated based on your income and expenses. The more you earn and the lower your expenses, the more you can borrow. If you have other credit cards, the credit limit on these products will reduce your borrowing power if you want to apply for more credit. This is especially important if you’re looking at balance transfer credit cards.

Balance transfer credit cards

If you have already paid for some of your wedding costs with a credit card, you may want to consider a balance transfer credit card. This type of card can save you money on interest repayments by giving you a promotional interest rate for a limited period of time. Use your existing credit card to pay for your wedding expenses and apply for a balance transfer credit card so you can transfer the debt and get a lower interest rate.

The balance transfer period starts from when you activate the card. The balance transfer rate of interest reverts to the purchase rate or cash advance rate of interest, which will be applied to any remaining debt at the end of the promotional period.

Compare credit cards with balance transfer offer

Rates last updated July 27th, 2017
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
St.George Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Offers a long-term balance transfer. Earn extra points on eligible international spend, plus complimentary travel insurance.
St.George Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
Bank of Melbourne Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Get a range of complimentary insurance covers, access to a 24/7 concierge and up to 55 days interest-free on purchases.
BankSA Vertigo Visa
0% p.a. for 18 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
HSBC Low Rate Credit Card
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
Virgin Money Low Rate Credit Card
0% p.a. for 12 months
11.99% p.a.
$99 p.a.
Receive up to 44 days interest-free on purchases and the optional insurance coverage of CreditShield Edge.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
NAB Low Rate Platinum Card
0% p.a. for 16 months with 2% balance transfer fee
13.99% p.a.
$100 p.a.
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
ANZ Low Rate Platinum
0% p.a. for 16 months with 2% balance transfer fee
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
American Express Essential®  Credit Card
0% p.a. for 12 months with 1% balance transfer fee
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
American Express Explorer® Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.

Compare up to 4 providers

Balance transfer credit cards with rewards programs

Mistakes to avoid when using a credit card for your wedding

  • Spending more than you can afford to repay. Budgets do get blown; in fact, 35% of respondents to an ASIC wedding survey said they spent above their budget for their big day. Credit cards can make it easy to forget about debt, but charging more to the card than you can afford to repay is going to put you on the financial back foot down the track.
  • Late repayments. Late payment fees are the obvious consequence of late credit card repayments, but think about your credit history and standing with the bank too. If you have a history of missed credit card repayments, financial institutions will be reluctant to give you other forms of finance such as a home loan.
  • High interest charges. If you use your credit card to finance your wedding and carry a balance, you may end up with a bigger debt due to interest charges. Keep this in mind when considering your budget and comparing credit card options so that you can choose a card or other payment method that’s affordable for your circumstances.

A credit card is a short-term cash flow tool that could help finance your wedding. Features such as interest-free periods, rewards and balance transfers can help take the financial burden off your special day. But remember to consider the ongoing costs of the card, and the standard rates and fees that could apply at the end of promotional periods so that you can decide if this is an affordable way to fund your special day.

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Sally McMullen

Sally McMullen is a journalist at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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