澳洲境内各金融机关发行的信用卡有很多种。我一般选择信用卡的主要原则是: 没有年费，利息低，免息时间长。现推荐一下我觉得比较好的信用卡。
1.. Wizard Clear Advantage MasterCard
# No annual fee. Ever.
# 0% interest for six months on transferred balances.
# No fees for ATM withdrawals, cash advances or overseas purchases.
# A low 12.4% rate on purchases AND cash (unlike some other low rate credit cards).
# Up to 55 days interest free.
网上申请，60秒给结果。 2..Virgin Credit Card
# Pay 0% interest for six months when you transfer the balance of your existing card to us (that's if you're a new Virgin Credit Card customer).
# There's no annual fee to pay... ever.
# Our ongoing interest rate is a low 12.65% pa.
# Up to 55 interest free days on purchases
我个人比较喜欢这二种卡，很好用，也没有费用。他们都是Mastercard.至于有些卡搞什么reward，集一万多点可赎钱或商品，我到没什么兴趣。Americanexpress 里的有些卡也不错，不过它的接受没有Visa和Master广泛。
另外ColeMyer Source Card 也不错，没年费，62 days interest free,但是利息高了一些。不过用它在Myer ，Target,Kmart买东西超过$500或250可享受半年以上的免息。也可不防考虑一下。
总之，信用卡用的好， 是一种很好的理财工具。比如说充分利用它的免息时间等等。