Terms and Conditions

About this website

Boyd Creative Pty Ltd (ACL 425682/ABN 28 158 551 743) trading as Credit Card Compare (CCC) operates one of the leading credit card comparison websites in Australia. This website is a great starting point for:

  • your research and comparison of credit cards;
  • personal credit reports; and
  • other services we may offer from time to time.

CCC will never charge you for services offered through this website.

Disclaimers

The information on this website inclusive of articles, learning centre pages, blog posts should not be considered as constituting credit advice or assistance. The tools and calculators provided (and the results that they give) are solely illustrative and should also not be taken as constituting credit advice or assistance.

CCC does not provide credit, credit assistance for consumers in obtaining credit, nor does it provide credit advice for consumers to apply for any product in particular or from a certain bank. If you decide to apply for a product you should be aware that you will be dealing with the credit provider and not CCC. If you need personal finance advice based on your personal circumstances you should seek independent advice from a qualified financial advisor. CCC is not a substitute for a qualified financial advice.

Even if you meet the minimum criteria of a credit product, such information is intended only to be a guide. Applications may still get rejected by a credit provider (bank) even if you can answer yes to all the minimum criteria. The final decision regarding any application for a credit product is solely with the relevant credit provider and subject to their credit criteria and approval process.

Personal credit reports are provided to CCC, on request, by an external service provider. To obtain a personal credit report certain personal information provided by you needs to be shared with the service provider. The information in a personal credit report:

  • is solely illustrative and should also not be taken as constituting credit advice or assistance; and
  • may not satisfy a credit provider’s approval process.

We will not accept:

  • responsibility for acts or omissions of our service providers that may adversely affect you;
  • any liability for any indirect or consequential losses you may suffer by using our services; and/or
  • any liability exceeding $25.00 for direct losses you may suffer by using our services.

Products on this Site

We are normally made aware of changes to product information and make every effort to ensure that the information on this website is updated accordingly. However, some changes may occur without us being notified and the information is presented without warranty. Ensure you check any information or the results of using any tool on this website if you intend to rely on them. If you find any error or omission in relation to the information on this website or an error in the completeness or correctness of the results of tools used, then we would appreciate your prompt feedback so that we can fix it and improve our services.

Please also note that the range of products listed on this website include many from major banks, smaller banks, mutuals, building societies, credit unions and other credit card issuers and include products made available from advertisers. This website may not include all of the credit cards on the market in Australia.

Product information displayed on the website comes from a variety of sources, including directly from the financial institutions and from our own research. Editorial standards apply to copy written by CCC for products listed in comparison tables. We make every reasonable effort to ensure that product information, published on this site, that is not supplied to us directly by advertisers, is accurate.

We cannot guarantee the accuracy of information provide to us by external service providers, such as personal credit reports.

How this Website Works

As a visitor you will decide what CCC services interest you. This website provides various ‘click through’ links to our services. Before deciding to click through to a service, you should read applicable terms and conditions for the service that interests you.

In the case of credit card comparison tables, you should always read the small print on the credit card application before you apply.

CCC is an affiliate of the banks and financial service providers listed on this website. As such we receive a commission from each financial service provider when credit cards are self-selected by consumers as a result of the outbound links on our website to the application form on the credit provider’s website.

You must always carefully read the terms and conditions on the application form found on the credit provider’s website before you apply for any credit card including details of interest rates and other charges. In the event that you decide to apply for a product selected via the credit provider’s website, the full documentation and other relevant details will be sent to you by the lender and not by CCC. It is the credit provider’s responsibility to provide all relevant documentation to you and we do not accept any responsibility for arrangements you may enter into with a credit provider.

Sponsorships and Advertising

We do include advertising on our website which we describe on the site as "Ad", “Promoted”, "Promotion" or shown in the form of standard graphical display banner advertising.

Products from advertisers that are sponsored on this site are labelled as "Ad", “Promoted” or "Promotion". Generally, these are products located outside of comparison tables and are labelled "Ad", “Promoted” or "Promotion" with direct links to the relevant and specific page of the advertiser’s website. If any superscriptions are used in a promoted placement, the corresponding explanations will be given on the landing page of the advertiser’s website.

How Comparison Tables Work

The use of terms such as “Best Credit Cards” and "Top Credit Cards" are not product ratings and are indicating a product selection that is in no particular order. Such products do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of these terms for products may not apply in relation to your personal circumstances.

Instant Approval and 60 Second Response Credit Cards

When we talk about "Instant Approval" or "60 Second Response" on this website, we are saying that when a consumer applies for a credit card, the credit provider may give a conditional approval decision for a card immediately as soon as the application has been completed. As with any credit contract, the usual processes are followed and all the normal credit and income checks are completed. Approval will be confirmed or rejected by the credit provider based on these checks.

It is most important for you to understand that when the green ‘Application’ button is clicked, you are redirected to that credit provider’s website to complete the application. It is entirely up to the credit provider to give the approval decision. We don’t have any control over response times or the decisions a credit provider may make. Eligibility and compliance with credit criteria are fundamental to credit card applications.

Credit Reports

All credit reports provided through this website are compiled by an external service provider. We rely on the information complied by our service providers and do not provide any tangible input other than the medium through which information is exchanged. We do not accept any responsibility for the:

  • information set out in a personal credit report; and/or
  • acts or omissions of our service providers that may adversely affect you.

The report you receive will be highly dependent upon the information you provide and in particular the accuracy of such information. While a report may provide you a useful guide as to how you may be perceived by credit providers, we do not represent or guarantee that a report can be relied upon to procure a decision you may want to obtain from a credit provider.

Privacy Policy

CCC is a service provider attuned to the needs of consumers wanting to access products from credit providers. We:

  • understand privacy is an important issue;
  • are committed to protecting your privacy and to delivering content and technology that gives you the most powerful and secure online experience; and
  • are committed to maintaining high standards in performing our service.

Below is an outline of our privacy policy (Policy).

This Policy discloses the privacy practices for CCC. The purpose of this Policy is to inform you, as a visitor to this website, what kinds of information we may gather about you when you visit the site, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information you disclose to us or we may collect about you.

First, like most regular business sites on the Internet, we collect traffic data. Our servers collect basic technical information including visitor's domain name, referral data, browser and platform type using cookies. This information is analysed in aggregate and may be used to improve the user experience on our web site and in our off-site advertising. Traffic information only is given out on a need to know basis and is at times shared with advertisers.

Second, outbound links to secure online applications take you to the credit provider’s website where your application is made. During the online application process of a person applying for a credit card, it is the bank, not CCC, which collects and stores any personal data, such as a visitor's name, email address, income, proof of identity, proof of income and search of a person's credit file. CCC does not give personal financial advice to individuals. All online applications with personal data are directly taken and stored on the credit provider’s web servers.

The use of some tools and calculators on this website require users to enter limited personal data. That data may be used to generate calculations and reports that are stored securely and are not disclosed to any third parties. Information in these reports, however, may be genericised into statistics and shared with advertisers and other persons who may be interested to receive such statistical information.

CCC uses external service providers to provide certain website services. In some instances, it is necessary for your personal data to be disclosed to these service providers so that the service you request may be performed.

Persons who opt-into our mailing list may receive communication from CCC and other websites owned or operated by Boyd Creative Pty Ltd. You can, however, unsubscribe instantly at anytime.

We may run promotions and competitions from time to time. To enter, visitors are required to enter their name and subscribe to our email newsletter. Persons participating in promotions can unsubscribe instantly at anytime.

Website Tools

By using our tools and inputting your email address we will send you the results (where applicable) from the tool you used. If you do not click on the provided link within a certain time frame we may send you a follow up email with the link from the results.

Security

With respect to security: credit providers always use industry-standard encryption technologies when transferring and receiving consumer data. For more information, or if you have questions or concerns regarding our Policy, please send an e-mail to team@creditcardcompare.com.au.

Complaints

We take a complaint seriously, and we'll do what we reasonably can to resolve it promptly. If you wish to make complaint about CCC services there is complaints process to follow. Visit our complaints page for more details on how to complain.