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Westpac Term Deposit Westpac Term Deposit

Maximum Interest Rate : 3.90% p.a.

St.George Maxi Saver St.George Maxi Saver

Maximum Interest Rate : 3.65% p.a.

St.George Term Deposit St.George Term Deposit

Maximum Interest Rate : 3.20% p.a.


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Westpac Home Loan Westpac Home Loan

Minimum Interest Rate : 5.33% p.a.

Bank of Melbourne Home Loan Bank of Melbourne Home Loan

Minimum Interest Rate : 5.65% p.a.

Bank of Melbourne Personal Loan Bank of Melbourne Personal Loan

Minimum Interest Rate : 8.49% p.a.

About comparedinkum

The origins of the term 'fair dinkum' go back to the early Aussie Goldfields where Chinese workers used the term 'Din Kum' to confirm that a deal was fair, honest and true. Din Kum is loosely translated as 'Fair Gold'. We think that the same principles should apply today. The internet provides a proliferation of confusing deals and offers meaning it's hard to sift through the 'grit' and reveal the 'gold'. comparedinkum is dedicated to helping consumers by comparing, rating and reviewing products and services to enable them to make the right choices and find the right deal. Let us help you to save your fair share of gold.

Useful information when comparing products

We provide the visual tools necessary to evaluate and pick from a range of personal finance options, from credit card comparisons through to savings account comparisons . You will not find specific recommendations being given to products, but a clear and uncluttered easy to view display that allows you to make a judgement on the financial products being offered. To help you make the right choices we’ve compiled a list of common mistakes that we hope will help you make the best finance choice for your own situation.

Before you start your search

Each credit card provider has its strengths and its weaknesses and each person’s final choice is based on their own personal finance goals. If you have a track record of incurring extra charges on your credit card, it’s worth checking these charges against any new credit card agreement that you are going to enter into. For example if you need to withdraw cash from an ATM then most credit cards agreements will make two charges for the use of this service: one as a percentage on the amount of money that you withdraw, while the second is an APR on the money that you withdraw. It’s therefore worth writing down before you begin your search the essential features that you are going to need on your credit card so you have a good point of reference. Once you start looking through the offers it may become more difficult to distinguish between them once your search is underway as there are a number of offers available at any one time. This small step of preparation can save you time and money in the long-run.

Always Check APR’s

Bear in mind when looking at credit card comparison charts that APR quotes offered by banks are quoted typically for those customers that have high credit ratings. It’s therefore worth double checking the exact APR you will be expected to pay when signing up to any personal finance or business product. It will help you to avoid nasty surprises and keep you ahead of the game.

Credit card protection schemes

While buyer protection schemes are appealing we recommend that you also look at insurance providers to see what the cost might be to have buyer protection on your credit card incorporated into an existing policy, it might work out cheaper for you.

If you’re unsure take independent financial advice beforehand

Whether you are looking to compare your existing credit card with the market, or looking to change from a no annual fee credit card to a reward scheme credit card, we recommend that if you are unsure about what is going to be the best type of credit card for your own personal finance situation, that you also take advice from a financial expert. By following these simple steps you can be sure of picking the right kind of credit card for your own financial position.

Latest Finance News and Views from comparedinkum

Australian Consumer Confidence Weakens Slightly

Last week Australian consumer confidence seemed to weaken as a result of worries about the outlook for the economy. According to the ANZ-Roy Morgan consumer confidence index, confidence declined by 0.9 per cent to 116.4 which continues the trend which started at the beginning of the year when the index peaked. Despite the downturn, the index continues to remain above its long run average of 112.8. Put differently, whilst confidence is declining from elevated levels the main point to note is that Australians are presently more confident than usual. Continue reading

UBank Says Australians Should Refinance Mortgage To Take Advantage Of Low Rates

According to the latest research from UBank, Australians should seek to expand their financial knowledge and search for the best home loan rates because the vast majority do not even know what the rate on their own home loan is. The UBank Know Your Numbers Index seeks to establish how Australians are managing financially and found that a whopping 85 per cent of those polled did not know what their mortgage rate was. This was a small increase from last year where the figure stood at 84 per cent. Continue reading

Large Number Of Australian Parents Using Credit Cards To Pay School Fees

Nearly three quarters of a million Australian parents are paying their school fees using credit cards which means not only do they have to pay the fees but must also foot the steep interest charges as well. The findings were part of a study conducted by SocietyOne which found that one in five Australian parents with children at school regretted charging school fees to their credit cards. Continue reading

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