Hi OzBargainers, I'm looking to apply for my first credit card but haven't found any really enticing options so far.
I'm currently in Uni with a comfortable amount in savings and earning ~$15k/year off my job with some crypto earnings on the side too. I understand this is significantly lower than the necessary income to apply for most of the credit card deals on here and I hadn't found any other posts which were of younger people with lower incomes looking for ways to start accumulating points.
I don't spend more than $500-$750 a month and would fully intend to pay off my credit card basically instantly. I'm looking not because I need the credit, but because it feels like a waste making all these purchases without getting anything for them (I like points) and was hoping some of you out there might have some pointers, suggestions or advice.
I was tempted by the Bankwest Debit Transaction Account but it didn't make sense when I can earn more real money in a standard savings account rather than half the dollar value worth of points. I believe Qudos had a similar account which had a better interest rate (with the added bonus of QFF points) but it still wasn't worth it.
Thanks in advance for any help!
Do you have parents nearby? Best strategy at your age & income level is to get an additional card on another person's account.