Last updated:
Whether you're choosing a credit card, paying off what you owe or thinking about switching, understand the costs and your options before you decide.
Choose and compare credit cards
Choosing a credit card. Compare interest rates, fees, interest-free days, rewards and other features. Think about how you'll use and repay the card, and choose a credit limit you can afford.
Credit card calculator. See how long it could take to pay off your credit card by making minimum repayments, and how much time and money you could save by making higher repayments.
Manage and pay off your credit card
Credit card balance transfers. Understand how moving credit card debt to a lower-interest card works. Compare rates, fees and transfer limits, and check whether you can repay the balance before the promotional rate ends.
Pay off your credit card. Find practical ways to reduce your credit card debt, pay less interest and pay off your balance faster. Work out how much you can repay and which debt to tackle first if you have more than one card.
Cancel a credit card. Follow the steps to close your account properly, including redirecting regular payments, using rewards points, paying off your balance and getting confirmation that the account is closed.
If you're struggling with credit card debt, take action early. Find help to get debt under control.