Excellent Match: What’s your private cash type?


Top 9 Credit Card Personalities header image

We’ve devised these 9 cash personalities primarily based on 15 years of answering your questions and serving to discover your greatest bank card. Now, you’ll be able to work out how you tick, and which type of card fits your private cash type. Meaning no extra evaluation paralysis or sifting by way of 1000s of playing cards with no concept the place to begin. Isn’t that a large aid?

So, let’s get began!

How to determine your Credit score Card Character:

Step 1: Learn by way of the High 9 Personalities
Step 2: Jot down one or two that you simply recognise in your self
Step 3: Use the short hyperlinks that match your character sort to match playing cards and offers which might be greatest suited to you

Prepared to seek out out what sort of bank card individual you might be? Learn by way of and discover out!



You spend rather a lot each month, however no more than you earn. You simply have excessive month-to-month bills as a result of you’ve got a household to pay for, you’re self-employed or have a excessive “retail turnover” (fancy title for having fun with purchasing). You want to seek out methods to cut back your bills and use totally different instruments to earn cash for nothing.

As a Wholesome Spender, you would be utilizing a bank card to earn rewards in your on a regular basis spending, save on abroad transaction charges and as a part of an offset bundle that will help you repay your house mortgage sooner.

Your motto: Use cash to earn cash!

⭐ Greatest playing cards: Rewards playing cards   |   Playing cards with Bonus Factors   |   No International Payment playing cards   |   Frequent Flyer playing cards


Welcome! That is your first voyage into bank cards and also you hardly know the place to begin. You is perhaps a pupil or a brand new everlasting resident in Australia. Perhaps you need to construct your credit score profile so you will get a house mortgage.

Regardless of the motive, you’re in all probability on the lookout for one thing you’ll be able to sink your tooth into with out getting in over your head – a low-cost, easy-to-navigate bank card.

Your motto: Everybody begins someplace!

⭐Greatest playing cards: Credit score Playing cards for First Timers   |   No Annual Payment playing cards   |   Low Curiosity-rate playing cards   |   Pupil playing cards


You watch your cash like a hawk. You want to save lots of and don’t thoughts following a price range; in any case, there’s nothing pretty much as good as hitting a monetary aim like saving for a home deposit, paying off a mortgage, or reaching a financial savings goal. You’ve in all probability been to seminars or learn books on cash, budgeting, or learn how to enhance your retirement.

You often learn evaluations earlier than committing to a brand new product and weigh up the professionals and cons fastidiously.

Your motto: Cash is a useful resource, so use it properly!

⭐Greatest playing cards:  Credit score Playing cards for First Timers   |   No Annual Payment playing cards   |   Low Curiosity-rate playing cards   |   Pupil playing cards


You like any type of deal: a reduction, two-for-one, voucher or cashback. You’ve gotten a verified account with OzBargain and love the giddy zing of scoring a deal (even higher if it’s a sneaky one). If there’s a loophole you’ll use it; if there’s a coupon you’ll dig it out of the darkish net. You’re pleased with spending lunch breaks scouring the web for higher costs and practising your price-match haggle speech for unsuspecting retailer workers.

Your motto: By no means pay full value!

⭐Greatest playing cards: Playing cards with Bonus Factors   |   Rewards bank cards   |   Playing cards with Cashback Offers   |   Playing cards with Particular Provides


You could not want or desire a bank card for day-after-day, however you do need to have just a little emergency fund prepared simply in case. You would possibly actually have a nice bank card that earns rewards and provides you perks you utilize, however you additionally desire a separate wet day fund with decrease rates of interest for a real emergency.

Your superb wet day card has low or no annual charges, low rates of interest and suppleness.

Your motto: Be ready!

⭐Greatest playing cards: No Annual Payment playing cards   |   Low Curiosity-rate playing cards   |   Playing cards with 0% Buy Provides


You utilize know-how for every part: getting a dopamine hit in your 10,000th step, paying together with your ring, ordering a mocha by way of an app and sending cash utilizing only a cellphone quantity. You’re eager to see what’s altering because the banking world is disrupted by new improvements, neobanks and cryptocurrency.

Your motto: Early adopters rule!

⭐Greatest playing cards: Google Pay, Apple Pay and Samsung Pay playing cards   |   Crypto playing cards   |   Credit score Union playing cards   |   Frequent Flyer playing cards


Finances? Balances? Nope – you purchase issues that you really want and don’t fear an excessive amount of about how a lot money goes out and in. You’d moderately have a root canal than take into consideration sticking to a decent price range.

For splurgers, there’s all the time the danger that the credit score restrict seems like ‘free cash’. You would possibly even be an Indebted Splurger, if you have already got cash owing on one other bank card (wherein case you’ll be able to take a look at stability transfers that will help you get on prime of your debt).

Your motto: Cash is for spending!

⭐Greatest playing cards:  Playing cards with 0% offers on purchases and stability transfers   |   Low interest-rate playing cards   |   Playing cards with good stability switch offers


You run a enterprise, irrespective of how huge or small. You’re a Sole Dealer with an ABN, or a small enterprise guru, or the CEO of a mega-corp; both means, you wish to be good about what you are promoting funds. You’re on the lookout for methods to handle cash higher, particularly in case you have staff with firm bills. You need higher methods to save lots of on bills, price range simpler and make each greenback rely. If each greenback earns rewards, even higher in your backside line.

Your motto: Earn on bills!

⭐Greatest playing cards:  Enterprise playing cards   |   Company playing cards   |   Gasoline playing cards   |   Playing cards that earn factors on ATO spending


The way to use your Credit score Card Character

Daily, somebody asks me what bank card they need to get. However, it’s a bit like asking what automotive you can purchase; it relies on how far you’ll drive, what you’ll use it for, and even how assured you might be on the highway.

Similar to vehicles, the bank card that’ll work greatest for you’ll change as you journey alongside in life. It’s alright to have a number of bank cards in a single lifetime – they’re a device for perks, freebies, serving to get on prime of debt, having as an emergency fund and knocking years off your house mortgage.

When you’ve learn by way of the 9 cash types and may see what sort of spender, saver or deal digger you might be, you’ll abruptly have laser-focus on the precise varieties of playing cards that may reward the best way you reside.

Utilizing the comparability guides and evaluations

Once you use a comparability information, you’ll see the highest playing cards listed in a desk. Right here’s a fast 1-2-3 on utilizing the information.

1. Use the toggles to type by the characteristic, for example, by the quantity of bonus factors, the rate of interest or the annual price. It’s a simple method to spotlight the characteristic you’re most excited about.

2. Click on the cardboard to learn our assessment. Our evaluations are written by actual individuals and we do our greatest to offer you all the knowledge you want in regards to the card and its presents.

3. Hit “Go to supply” to be redirected to the issuer web page the place you’ll find out extra and submit an utility.

On each web page, you’ll have the ability to ask me a query by clicking the blue speech bubble. We purpose to get again to you in a enterprise day or so.

Good luck and comfortable card searching, no matter type of individual you might be!

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