Sorry for another credit card discussion, but after doing some research this is what I found:
28 degrees card
- good for online shopping as great conversion rate and no international transaction fee
- shopper protection for 6 months
- good for being used overseas for cash withdrawals provided you preload it with credits and strictly no cash advances
- no annual card fee and no fee for insurance if pay before statement generated or .5% of closing balance otherwise
Coles Mastercard
- good if you shop at Coles frequently to get Flybuy points
- shopper protection for 24 months
- merchandise protection for 6 months
- also come with accidental injuries, disability protection etc
- $49 annual card fee + 1% closing balance for insurance (no fee if 0 closing balance)
Bankwest zero gold card
- comes with international travel insurance if you spend 75%(i think) on your trip
- 12 months extended warranty
- no annual fee
These credit cards all seem to offer amazing rewards which are quite well suited to what I need. Should I be applying all of them?? Going from no credit card to 3 at one time seems a little excessive!
Why get a Citibank credit card and pay them a annual fee to get the wine when you can open a transaction account, and get the debit card, which also has free wine, and no additional surcharge when you make an international transaction? :)