Hi all,
I have always been using an ING Debit card but I am thinking to move from a Debit card to a credit card and keep all monthly expense money in the offset account and pay off the credit card in full.
Can someone please recommend a credit card for such purposes? I don't do international shopping online just the occasional AliExpress etc.
Would be great if it can be used overseas for that occasional yearly trip without any charges. TIA
Edit: I spend around $2500 - $3000 a month.
AMEX Centurion
Invitation-only.
I've already used all my referrals for 2025.
2026 is around the corner
Lemme just pull up to the Amex office on Collins St in my diamond Lamborghini
CommBank Ultimate if you’ll spend over $4k every month, could look at the Smart Awards one if not
ING Orange One rewards platinum $149 annual fee with 1% cashback maximum $30 cashback each month
Bendigo Ready. Good insurance coverage and no international conversion fees
+1. Excellent international rates with no fees. A great alternative to the 28 degrees.
Mine took 4 months from application until card in hand.
Kogan Money Black visa credit card. 6K minimum limit. No annual fee.
Free membership to Kogan First. Most transactions equate to 1% back (in dollar terms) once converted from the rewards points which can be spent at online Kogan. Can be used to buy Apple / Nintendo products etc.
There is usually a signup offer available offering between $400 to $300 in Kogan dollars after meeting signup minimum spend. (https://koganmoney.com.au/credit-cards/)
It is not really any good for overseas travel / international transactions due to the fees - just continue to use you ING debit card for that.
Coles No Annual Fee Mastercard. Good Card for everyday use, although it does have a fee of 3.00% on all International Retail Purchases and Cash Advances.
AMEX Centurion