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Using your credit card can get you discounts
Many credit card providers offer some sort of reward point scheme, these points can get you discounts at particular stores the credit card banks are associated with. You earn points every time you use your credit card at the stores then once you have accumulated some points you can exchange your points for cash or get discounts on future purchases. Think of it as getting a discount each time you use your credit card, but you have to be aware of the shops you by your goods or services from.
For example ANZ is associated with the Retravision electrical store so if I want to buy a new computer I'll use my ANZ credit card and then earn some points. Then if I need my car repaired or serviced I can go to Goodyear as they are also an ANZ partner and earn even more bonus points. So now I've got some points from both of my purchases both of which were things I wanted anyway, I wasn't just shopping to spend my money. Then I can take a look at the ANZ point scheme and see if I have enough points to get some cash back, and because I'm getting some money back this means I got a discount at Retravision and Goodyear.
Before you sign up for your card you should see if the provider has a reward point's scheme and how many stores they are partnered with, then you can see if you are likely to purchase any thing from these stores. Another thing to check is the actual rewards and how many points you need to get to reach them, you should also look at how many points you receive from using your credit card at these stores. If it looks like you need to use your credit card too often to reach one of the rewards then you may want to consider trying another provider. A good way to see which reward point credit card you should apply for is to see how many points you need to reach the minimum reward goal, if one provider looks like you need to spend to much to earn points to reach the minimum goal then you should consider going with another provider. Many providers have bonus points for particular partners so this is another thing to keep your eye on to get more points faster.
Here you can find a list of Australian credit cards and mastercards that you can apply for online that have a rewards scheme.
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