Credit card and account charges: what to compare
Fees change often, so check the bank's own fee schedule for the current figure.
Credit cards
- Annual fee, and whether the first year is free
- Interest rate on unpaid balances and cash advance charges
- Credit limit and eligibility rules
- Rewards, discounts and lounge access
- International use and dual-currency support
Bank accounts
- Minimum balance and yearly maintenance charge
- Charges for SMS alerts, cards and cheque books
- Excise duty and tax on balances
- Student, salary and savings account differences
Card tables are being verified against each bank's published fee schedule.