Good Match: What's your private cash fashion?

We’ve devised these 9 cash personalities based mostly 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 type of card fits your private cash fashion. Meaning no extra evaluation paralysis or sifting by means of 1000s of playing cards with no thought the place to start out. Isn’t that a large aid?

So, let’s get began!

How to determine your Credit score Card Persona:

Step 1: Learn by means of the High 9 Personalities
Step 2: Jot down one or two that you simply recognise in your self
Step 3: Use the fast hyperlinks that match your character kind to match playing cards and offers which can be finest suited to you

Prepared to search out out what sort of bank card particular person you might be? Learn by means of and discover out!

You spend so much each month, however no more than you earn. You simply have excessive month-to-month bills as a result of you will have a household to pay for, you’re self-employed or have a excessive “retail turnover” (fancy title for having fun with buying). You want to search out methods to scale back your bills and use completely different instruments to make cash for nothing.

As a Wholesome Spender, you might 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 bundle that will help you repay your own home mortgage sooner.

Your motto: Use cash to make cash!

⭐ Finest playing cards: Rewards cards | Cards with Bonus Points | No Foreign Fee cards | Frequent Flyer 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. Possibly you wish to construct your credit score profile so you may 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!

⭐Finest playing cards: Credit Cards for First Timers | No Annual Fee cards | Low Interest-rate cards | Student cards

You watch your cash like a hawk. You want to avoid wasting and don’t thoughts following a price range; in spite of everything, there’s nothing pretty much as good as hitting a monetary purpose 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 increase your retirement.

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

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

⭐Finest playing cards: Credit Cards for First Timers | No Annual Fee cards | Low Interest-rate cards | Student cards

You like any type of deal: a reduction, two-for-one, voucher or cashback. You have got 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!

⭐Finest playing cards: Cards with Bonus Points | Rewards credit cards | Cards with Cashback Deals | Cards with Special Offers

Chances are you’ll not want or desire a bank card for day-after-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 desire a separate wet day fund with decrease rates of interest for a real emergency.

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

Your motto: Be ready!

⭐Finest playing cards: No Annual Fee cards | Low Interest-rate cards | Cards with 0% Purchase Offers

You utilize expertise for every part: getting a dopamine hit in your 10,000th step, paying along with your ring, ordering a mocha by way of an app and sending cash utilizing only a telephone 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!

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

Price range? 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 moderately have a root canal than take into consideration sticking to a good price range.

For splurgers, there’s all the time the chance that the credit score restrict appears 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 take a look at stability transfers that will help you get on prime of your debt).

Your motto: Cash is for spending!

⭐Finest playing cards: Cards with 0% deals on purchases and balance transfers | Low interest-rate cards | Cards with good balance transfer deals

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 corporation funds. You’re searching for methods to handle cash higher, particularly if in case you have staff with firm bills. You need higher methods to avoid wasting on bills, price range simpler and make each greenback depend. If each greenback earns rewards, even higher to your backside line.

Your motto: Earn on bills!

⭐Finest playing cards: Business cards | Corporate cards | Fuel cards | Cards that earn points on ATO spending

Easy methods to use your Credit score Card Persona

Each day, somebody asks me what bank card they need to get. However, it’s a bit like asking what automobile you should purchase; it relies on how far you’ll drive, what you’ll use it for, and even how assured you might be on the highway.

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

When you’ve learn by means of the 9 cash kinds and may see what sort of spender, saver or deal digger you might be, you’ll all of a sudden have laser-focus on the precise sorts 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 kind by the function, as an example, by the quantity of bonus factors, the rate of interest or the annual charge. It’s a simple approach to spotlight the function you’re most considering.

2. Click on the cardboard to learn our overview. Our opinions are written by actual folks and we do our greatest to offer you all the knowledge you want concerning the card and its presents.

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

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

Good luck and comfortable card looking, no matter type of particular person you might be!

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Good Match: What’s your private cash fashion?

Easy methods to use your Credit score Card Persona

Utilizing the comparability guides and opinions

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