Hey Guys,
I've currently a part time worker and I'm looking to get a credit card to start earning rewards and points. I've never had a credit card before so I don't know how it works.
I make about $30k - $40k a year. I was wondering if you guys have any suggestions on what are the key incentives I should be looking for in a credit card reward system and general guide on what's available out there and what I should know before / applying.
Any advice and guidance would be appreciated.
Cheers
Hey there. I was in a simar situation to you about 4 years ago, had never had a credit card… Now I've been jumping from one to another for offers, which I believe is the thing to do to maximise value.
For instance, my current Citi credit card came with a $500 JB Hi-Fi voucher with the minimum spend requirement.
FYI just make sure you set up direct debit to pay your statement balance in full and you'll never pay interest- just reap the point rewards and benefits.
You probably can't grab any of the top tier cards with that kind of income, (ie NAB signature card with ~100k Qantas points spend offer) but depending on your expenses you can probably get some decent lower tier cards. I'd recommend looking at finder and whistleout.