Consumer Bad Credit Guide

Welcome to the consumers guide to bad credit!




List Of No Student Credit Card Provider In Australia


Westpac Student Visa Credit Card - The Student Visa is designed especially for full-time tertiary students studying at a recognized tertiary institution. It takes into account the fact that you could be regularly changing address and may not be working full time . things you would normally need to qualify for a credit card.

- Approval based on income received from your casual job, part-time job or Austudy1

- Choice of a $300, $400 or $500 credit limit

- Competitive variable interest rate

- Low annual fee of $30, waived in your first year

- Worldwide acceptance at over 22 million places around the globe

- Easy access ATM and EFTPOS, 24 hours a day, 7 days a week

- Security when shopping online

- Emergency card replacement3

- 24 hour phone assistance


BankWest - Extra Visa Classic is available to students with a clear credit history and must be 18+ Australian resident and have been studying for 2 years

- Low annual fee of $29

- 17.74% p.a (excludes cash advances)

- BankWest extra Rewards every time you shop with your card - $16 annual Rewards Program fee applies

- Up to 55 days interest-free on purchases

- 3 additional card holders - free

For added convenience link your other BankWest accounts to your BankWest extra Visa Classic card, and manage your money from one point

BankWest - Lite MasterCard is Available to students with a clear credit history and must be 18+ Australian resident and have been studying for 2 years

- Low annual fee of $29

- 17.74% p.a (excludes cash advances)

- BankWest extra Rewards every time you shop with your card - $16 annual Rewards Program fee applies

- Up to 55 days interest-free on purchases

- 3 additional card holders - free


For added convenience link your other BankWest accounts to your BankWest extra Visa Classic card, and manage your money from one point

American Express - Pesma Student Credit Card is a credit card for student that helps you establish a credit history that will come in very handy if you want to borrow for a car or a house in the future.

- No annual Card fee for the life of the Card (save $70 p.a.)

- Up to 55 days interest free on your everyday purchases

- Enjoy a special introductory interest rate of 9.99% p.a. on goods and purchases for the first six months, subject to our interest rate policy** with a competitive ongoing interest rate of 17.49% p.a.

- Choose from two Membership Rewards Program options - Choices ($40 p.a.) or Ascent ($80 p.a.)

After enrollment, earn 1 Membership Rewards point for every dollar spent on the card. Your points can be redeemed for frequent flyer points, retail vouchers and much more. American Express is now accepted in more places than ever before including; supermarkets, restaurants, petrol stations and most major retail outlets.