Store Credit Cards | Customer Reviews & Comparison

Store Credit Cards

Compare and apply for the best Australian store credit cards, which are branded to department stores and other retailers.

These cards are linked with loyalty programs that reward you for shopping at the stores, and they also have normal credit card features such as interest rates and fees that you should check out when comparing the different deals. If you find a store credit card you like the look of you can apply online today.

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Woolworths Everyday Platinum Credit Card Balance Transfer Offer
Apply by 30 jun 19
Credit Card Compare Exclusive: 0% p.a. on balance transfers for 14 months and then 21.99% p.a.
Bonus 5,000 points after your first eligible purchase.
Low $49 annual fee ongoing.
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Shopping Card Points
Shopping card points
1 pt
per $1 spent
after spend criteria
ING Direct Orange One Credit Card
No annual fee.
Low 11.99% p.a. variable purchase rate and cash advance rate.
Comes with Apple Pay.
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ING Direct Orange One Platinum Credit Card
Earn 1% cashback on your eligible spend, up to $30 a month. (Conditions Apply)
Minimum credit limit of $6,000.
Receive complimentary international travel insurance.
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Receive 15,000 Membership Rewards points or 7,500 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn up to 3 Reward Points per $1 spent at major supermarkets and petrol stations, 2 Reward Points per $1 spent at David Jones, and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
Membership Rewards points
after spend criteria
Receive 30,000 Membership Rewards points or 15,000 Qantas Points when you apply online, are approved and spend $750 outside of David Jones within the first 3 months of becoming a Card Member.
Earn 4 Reward Points per $1 spent at David Jones, 3 Reward Points per $1 spent at major supermarkets and petrol stations and 1 Reward Point per $1 spent elsewhere.
Flexibility to choose Qantas Frequent Flyer or Membership Rewards as your rewards program.
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Membership RewardsQantas Frequent Flyer
Membership Rewards or Qantas Frequent Flyer
1 pt
per $1 spent
Membership Rewards points
after spend criteria

Q&As about Store Credit Cards from customers

Q: What should I look for?

Store credit cards actually pre-date credit cards – they were originally cards that could only be used at the specific department store, petrol station or other retailer who issued them. Store cards worked as membership cards to loyalty schemes that rewarded customers’ loyalty to the shop or brand.

Today, store credit cards are branded and linked to a specific retailer, but are issued and managed by a bank. Store credit cards payments are usually processed by Visa or MasterCard, so can be used in all the same places as any other credit card. Store cards are still linked to rewards programs, in which cardholders can earn and redeem points for gift vouchers, products, special offers and discounts. Typically, points are earned on all credit card purchases, with extra points when you spend in the store, or sometimes with other program partner companies. Some store credit cards feature cash back, which works as a discount when you spend at the retailer.

When you are comparing store cards it is important to look beyond the loyalty program and consider the other features. These cards sometimes feature relatively high interest rates and/or annual fees – these shouldn’t be so expensive that they negate the savings you make on your shopping. Some feature promotions with a 0% purchase rate for an introductory period. These can be a good choice if you want to make a one-off large purchase at the store and repay within this period.

Importantly, you should not spend on a store card for the sake of earning points. Instead you should find a card that offers rewards for your normal shopping habits – if you can do this you save money on your everyday spending.

Q: Who benefits from a store credit card?

Store credit cards are a great choice for shoppers who spend often at the particular retailer and the rewards scheme fits in with their normal spending. For example, if you buy your weekly groceries at Woolworths, you could choose the Woolworths Everyday Money Card, earn points and save money on your shopping. If you are a motorist and normally buy your petrol at BP filling stations, you may choose the Citibank BP MasterCard and earn cash back each time you use your credit card at BP. These are just two examples – there are many other store credit cards suitable for different types of shopper.

They are not such a good choice if you don’t want to be tied to a single retailer, you don’t use your credit card very often, or if you plan to use your credit card for a specific purpose such as a balance transfer. They are also a bad choice if you don’t pay your monthly balance in full, have an ongoing balance on your account or miss payments – the interest you pay on your debt can quickly wipe out any savings, and if you fail to keep your credit card account in good order you could lose the points you earn.

Q: What do I get out of a store credit card?

Store credit cards usually provide a loyalty program, which allows you to earn rewards and discounts when you shop. Different rewards programs work in a variety of ways, but generally you collect points every time you use your credit card either in the store or anywhere else, earning bonus points when you spend in store of with the reward program’s partner companies. Points can then be redeemed for shopping vouchers to purchase rewards in the store. You can sometimes also use the points for rewards from partner retailers, or select goods and services from an online rewards catalogue.

Some store cards provide cash back on purchases, in the form of a percentage of the transaction paid back, with the chance to earn bonus cash back when you shop in the store.

You may also enjoy other benefits from store credit cards such as purchase protection, other types of insurance, and access to special offers and discounts only available to store cardholders.

In general, the main thing you get out of a store card, providing you choose the right one, is the chance to save money and enjoy rewards on your normal expenditure.

Q: How do I compare store credit cards?

When you are shopping around for a store credit card you need to take into account all the features and find the one that is best for you. It is important to look at all the functions, rates and fees because you probably want to use your card for spending at other places apart from the store.

The rewards program: One of the main things to look at is how the rewards scheme works. The store and any program partner companies must be places you already like to shop, the scheme should offer plenty of points for the way you spend and the available rewards should be products and services you really want to use. Ideally, the rewards scheme should provide a way to save money on your normal expenditure.

Points earning, redeeming, capping and expiry: Each loyalty program has its own rules on how points can be earned, including collecting bonus points, and point redemption. There are usually restrictions on points including capping, which limits how many points can be earned in a given period of time, and expiry, which limits how long points are valid.

Points value: Each rewards scheme also has its own value for points – the true value of each point can be quite hard to identify. One way to do this is to work out how many points are needed to earn a $100 shopping voucher or reward item worth $100. You can then calculate how much you would have to spend to collect that number of points, giving you an approximate point-to-dollar value.

The standard ongoing purchase rate: If you do not pay your monthly balance in full, the unpaid amount starts attracting interest at the card’s standard purchase rate. It is important to compare this rate on different credit cards because if you are paying interest regularly it can quickly eat into the savings you make on the rewards scheme.

Annual fee: This is an annual charge to cover the general maintenance of your credit card and to pay for extras such as the rewards program, insurance and other perks. The annual fee can tend to be relatively high with store credit cards – it should not be so high that it wipes out your shopping savings.

Interest-free days: Many Australian store cards feature interest-free days, a period in which you can repay the balance for purchases and avoid paying any interest. The interest-free period is typically 44 to 55 days. You should note that interest-free days only apply to purchases, other transactions such as cash advances attract interest from the date they are made.

Cash transactions: These include cash advances such as ATM and bank branch withdrawals, buying foreign currency and paying for gambling costs. These types of transaction usually do not earn rewards points, do attract higher rates of interest than purchases and the interest is applied from the date of the transaction, so are best avoided if you want to get the most out of a store card.

Introductory offers: Some store credit cards feature promotions such as 0% purchase rate for an introductory period, waiving the annual fee for the first year and bonus points when you first start using your card. These deals can seem very attractive, and can save money or provide a way of making purchases and repaying before the end of the promotion, but you should always examine how the package changes when the promotion ends to ensure you get ongoing value for money.

Other features: Store credit cards may also feature extras such as purchase protect, travel insurance and other perks. Generally, if there are more extra features then the annual fee is likely to be higher, so it is important to find a card with extras you can really make use of.

Q: What is the best way to use a store credit card?

Like any other type of card offer, there is a way to use store card to get the most out of it. Here’s what you should be doing.

Spend often using your store credit card: To get the most out of a store card you need to be spending often, collecting plenty of points and earning rewards, gift vouchers and discounts. However, this doesn’t mean spending just to earn points – instead, you should find ways of moving your normal everyday expenditure to your credit card. You should also look into how you can earn bonus points on items you normally purchase, buying them in the linked store or partnered retailers.

Pay your monthly balance in full: While you continue to spend on your store card, you should ensure that you do not overspend and aim to put aside enough money to pay off your monthly balance in full. If you always clear the balance within the interest-free days during your monthly statement cycle you can avoid paying the interest, minimise the expense of using your store credit card and save money.

Avoid cash transactions: This type of transaction includes cash withdrawals at ATMs and bank branches, buying foreign currency and gambling expenses. Generally, cash transactions attract a significantly higher rate of interest than purchases, they do not earn points and the interest is applied straightaway, so it quickly starts eating into your savings.

Use your points: Ensure you use your points and get the rewards you deserve. You must learn all the restrictions on your points such as capping and expiry, so you know how to collect the most points and claim your rewards before the points expire.

As you can see, store credit cards can be a good choice for the right kind of shopper, but you do need to be careful and use these cards correctly. For savvy spenders a store credit card is a great way to save money on everyday expenditure.

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