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Rewards cards can either be directly linked to frequent flyer programs to let you earn Qantas Frequent Flyer, Virgin Velocity or other airline points on your spend, or they can be linked to a more general rewards program that lets you earn and redeem points for everything from gift cards to discounts on retail purchases to travel.
The downside to rewards credit cards is that they generally come with higher annual fees and higher interest rates than no frills credit cards.
Whether you're a no frills kind of borrower or a big spender looking to rack up rewards points, you should always compare the credit card market to ensure you sign up with the best deal for you.
Here are some features to look out for: Interest free days: As the name suggests, your interest free days is the amount of time you will pay no interest on your purchases, which is usually 44 or 55 days and starts at the beginning of your statement period and ends on your credit card due date.
You won't need to ensure the interest rate is also ultra-low, because there's no need to worry about being hit with interest when you pay your credit card bill in full and on time each month.
Starting from the top: As mentioned above, there's plenty of choice when it comes to choosing a credit card.
Travel credit cards: Holidaying overseas is expensive enough with everything from flights to accommodation to factor into your budget - so don't add pricey currency conversion fees to that list!
By searching Mozo's travel credit card hub for some plastic specifically designed for overseas use, you could save yourself big bucks.
While most low interest credit cards require you to pay an annual fee, it will generally be much lower than an annual fee for a fancier platinum or rewards card, and the cost of the annual fee is likely to be far lower than paying a high interest rate on your spending each month.
Interest free credit card: If you intend to purchase some big ticket items in the near future and need some breathing space to pay them off, you could opt for a credit card with a zero interest “honeymoon” period.
The catch to all this is higher interest rates and fees, so platinum cards are really suited to people who never miss a payment and always pay their balance in full each month.