Good Match: What’s your private cash fashion?







Top 9 Credit Card Personalities header image

We’ve devised these 9 cash personalities primarily based on 15 years of answering your questions and serving to discover your finest bank card. Now, you possibly can work out how you tick, and which form of card fits your private cash fashion. Which means no extra evaluation paralysis or sifting by means of 1000s of playing cards with no thought the place to start out. Isn’t that an enormous reduction?

So, let’s get began!

How to determine your Credit score Card Persona:

Step 1: Learn by means of the Prime 9 Personalities
Step 2: Jot down one or two that you just recognise in your self
Step 3: Use the short hyperlinks that match your persona sort to match playing cards and offers which are finest fitted to you

Prepared to seek out out what sort of bank card particular person you’re? Learn by means of and discover out!

You spend loads each month, however no more than you earn. You simply have excessive month-to-month bills as a result of you might have a household to pay for, you’re self-employed or have a excessive “retail turnover” (fancy title for having fun with purchasing). You want to seek out methods to scale back your bills and use totally different instruments to become profitable for nothing.

As a Wholesome Spender, you would be utilizing a bank card to earn rewards in your on a regular basis spending, save on abroad transaction charges and as a part of an offset package deal that will help you repay your house mortgage sooner.

Your motto: Use cash to become profitable!

⭐ Greatest playing cards: Rewards playing cards   |   Playing cards with Bonus Factors   |   No International Charge playing cards   |   Frequent Flyer playing cards

Welcome! That is your first voyage into bank cards and also you hardly know the place to start out. You is perhaps a scholar or a brand new everlasting resident in Australia. Perhaps you wish to construct your credit score profile so you will get a house mortgage.

Regardless of the cause, you’re most likely searching for one thing you possibly can sink your tooth into with out getting in over your head – a low-cost, easy-to-navigate bank card.

Your motto: Everybody begins someplace!

⭐Greatest playing cards: Credit score Playing cards for First Timers   |   No Annual Charge playing cards   |   Low Curiosity-rate playing cards   |   Scholar playing cards

You watch your cash like a hawk. You want to avoid wasting and don’t thoughts following a funds; in any case, there’s nothing nearly as good as hitting a monetary aim like saving for a home deposit, paying off a mortgage, or reaching a financial savings goal. You’ve most likely been to seminars or learn books on cash, budgeting, or the best way to increase your retirement.

You normally learn opinions earlier than committing to a brand new product and weigh up the professionals and cons rigorously.

Your motto: Cash is a useful resource, so use it properly!

⭐Greatest playing cards:  Credit score Playing cards for First Timers   |   No Annual Charge playing cards   |   Low Curiosity-rate playing cards   |   Scholar playing cards

You’re keen on any form of deal: a reduction, two-for-one, voucher or cashback. You may have a verified account with OzBargain and love the giddy zing of scoring a deal (even higher if it’s a sneaky one). If there’s a loophole you’ll use it; if there’s a coupon you’ll dig it out of the darkish internet. You’re happy with spending lunch breaks scouring the web for higher costs and practising your price-match haggle speech for unsuspecting retailer workers.

Your motto: By no means pay full value!

⭐Greatest playing cards: Playing cards with Bonus Factors   |   Rewards bank cards   |   Playing cards with Cashback Offers   |   Playing cards with Particular Presents

It’s possible you’ll not want or need a bank card for day by day, however you do wish to have a bit emergency fund prepared simply in case. You would possibly also have a nice bank card that earns rewards and provides you perks you utilize, however you additionally need a separate wet day fund with decrease rates of interest for a real emergency.

Your perfect wet day card has low or no annual charges, low rates of interest and adaptability.

Your motto: Be ready!

⭐Greatest playing cards: No Annual Charge playing cards   |   Low Curiosity-rate playing cards   |   Playing cards with 0% Buy Presents

You utilize expertise for every little thing: getting a dopamine hit in your 10,000th step, paying together with your ring, ordering a mocha by way of an app and sending cash utilizing only a cellphone quantity. You’re eager to see what’s altering because the banking world is disrupted by new improvements, neobanks and cryptocurrency.

Your motto: Early adopters rule!

⭐Greatest playing cards: Google Pay, Apple Pay and Samsung Pay playing cards   |   Crypto playing cards   |   Credit score Union playing cards   |   Frequent Flyer playing cards

Funds? Balances? Nope – you purchase issues that you really want and don’t fear an excessive amount of about how a lot money goes out and in. You’d relatively have a root canal than take into consideration sticking to a good funds.

For splurgers, there’s all the time the danger that the credit score restrict looks like ‘free cash’. You would possibly even be an Indebted Splurger, if you have already got cash owing on one other bank card (during which case you possibly can have a look at stability transfers that will help you get on high of your debt).

Your motto: Cash is for spending!

⭐Greatest playing cards:  Playing cards with 0% offers on purchases and stability transfers   |   Low interest-rate playing cards   |   Playing cards with good stability switch offers

You run a enterprise, regardless of how massive or small. You’re a Sole Dealer with an ABN, or a small enterprise guru, or the CEO of a mega-corp; both means, you wish to be sensible about your online business funds. You’re searching for methods to handle cash higher, particularly when you have workers with firm bills. You need higher methods to avoid wasting on bills, funds simpler and make each greenback depend. If each greenback earns rewards, even higher on your backside line.

Your motto: Earn on bills!

⭐Greatest playing cards:  Enterprise playing cards   |   Company playing cards   |   Gas playing cards   |   Playing cards that earn factors on ATO spending

Learn how to use your Credit score Card Persona

Day by day, somebody asks me what bank card they need to get. However, it’s a bit like asking what automotive you can purchase; it is determined by how far you’ll drive, what you’ll use it for, and even how assured you’re on the street.

Similar to automobiles, the bank card that’ll work finest for you’ll change as you journey alongside in life. It’s okay to have a number of bank cards in a single lifetime – they’re a software for perks, freebies, serving to get on high of debt, having as an emergency fund and knocking years off your house mortgage.

When you’ve learn by means of the 9 cash types and might see what sort of spender, saver or deal digger you’re, you’ll instantly have laser-focus on the precise varieties of playing cards that can reward the way in which you reside.

Utilizing the comparability guides and opinions

Once you use a comparability information, you’ll see the highest playing cards listed in a desk. Right here’s a fast 1-2-3 on utilizing the information.

1. Use the toggles to type by the characteristic, as an illustration, by the quantity of bonus factors, the rate of interest or the annual payment. It’s a straightforward method to spotlight the characteristic you’re most concerned with.

2. Click on the cardboard to learn our evaluate. Our opinions are written by actual folks and we do our greatest to present you all the knowledge you want in regards to the card and its gives.

3. Hit “Go to supply” to be redirected to the issuer web page the place you’ll find out extra and submit an software.

On each web page, you’ll have the ability to ask me a query by clicking the blue speech bubble. We goal to get again to you in a enterprise day or so.

Good luck and comfortable card looking, no matter form of particular person you’re!


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