Credit Cards

There is nothing wrong with credit cards. In fact, there are lots of advantages so long as you use it carefully. You can earn points when you buy groceries, recharge your mobile sim or top-up your opal card with no additional charge or they call it "surcharge". And the points you earn can be used to redeem rewards - shopping vouchers, free flights, etc.

The key thing is to look for a credit card that has no annual fee. I know, in Philippines and Singapore, annual fees are usually waived when you pay on time or meet a minimum yearly spending but I was shocked to find out in Australia that they do not waive annual fees. At least that;s what I have experienced. So I searched for cards that do not charge annual fees and here are what I found -Coles Mastercard and Amex Velocity Card. 

I have applied for Amex Velocity Card and these are what I have gained so far:

1. Bonus points upon approved application

2. One - time $10 cash back when buying at Woolies. The offer comes and changes from time to time and it's up to you to take it or not. 

Current AMEX card offers

3. Claimed free flights from Sydney to Perth via Virgin Australia.

4. Earned referral points by referring my friends.

You can have all these benefits too when you apply now through this link -  Amex Velocity Card.