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Credit Cards

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Credit card range

Visa Platinum

Enjoy a Credit Card with added Visa Platinum privileges, a low interest rate and easy access to funds.

Find out more

 9.99% pa
purchase interest rate

 9.99% pa
balance transfer rate

Apply Online Call +855 97 542 5306

Visa Classic

Benefit from an affordable Credit Card, with no annual fee and a low interest rate.

Find out more

 12.94% pa
purchase interest rate

 12.94% pa
balance transfer rate

Apply Online Call +855 97 542 5306

 

Choosing your card

Would you like to get the best value from your credit card?

Credit cards allow you to make purchases when you need and delay using your own funds until it is convenient to do so. Choosing the right card and managing it wisely will help you limit the interest you pay and keep your balance in check.

Here, we share a few tips to help you make the most of your credit card:

Start with the right card

Having a well-managed credit card begins with choosing the right one. There are many cards on the market, each offering their own incentives such as rewards, low interest rates or low fees. Consider how you will be using the card and choose the product accordingly. There is no point in paying for features that are not benefitting you.

Consider a balance transfer

Is it time for an upgrade? If you are no longer happy with the terms of your current card, a balance transfer allows you to transfer your debt onto a new card with better interest rates or greater flexibility. A balance transfer can be a great way to manage your credit card debt. Before going ahead, check that the new card offers a low rate for balance transfers, like both our Visa Platinum and Visa Classic Credit Cards.

Make the most of your interest free period

As a bonus for signing up, many credit card providers grant you a limited interest free period on purchases. This means that for the designated time you will pay no interest on your purchases, so long as you pay off your closing balance in full by the due date. Earlier in the interest free period is a great time to make large purchases, and pay them off over the coming weeks. Both of our credit cards offer up to 55 days interest free on purchases.

Cut down on interest charges

The interest free period is not the only time that being proactive with repayments matters. Cutting down the interest you pay over the life of the card can often just be a matter of making timely repayments. Try to pay the full amount back each month to prevent the buildup of interest over time; setting up an automatic funds transfer or salary credit to the credit card can help with this.

Take advantage of the low interest rates and flexible terms on our Visa Credit Cards. Our consultants can help you arrange a card and transfer your balance on +855 97 542 5306.

 

Featured Products

Visa Platinum

Enjoy a Credit Card with added Visa Platinum privileges, a low interest rate and easy access to funds.

Find out more

 9.99% pa
purchase interest rate

 9.99% pa
balance transfer rate

Apply Online Call +855 97 542 5306

Visa Classic

Benefit from an affordable Credit Card, with no annual fee and a low interest rate.

Find out more

 12.94% pa
purchase interest rate

 12.94% pa
balance transfer rate

Apply Online Call +855 97 542 5306

 

Managing your credit

Would you like to keep your credit card debt under control?

Credit cards are an incredibly convenient source of finance, but using them unwisely can attract high fees and interest.

Here we share some simple suggestions on how to use your credit card:

Choose the right card

Managing your credit card balance starts with choosing the right card. You will want a card that is versatile and easy to manage, with fair terms. Try to find a card that offers low interest rates and allows you to make additional repayments when you can. You want a card that suits your spending habits and is easy to repay. Our Visa Credit Card options are easy to maintain, and are a good fit for most people.

Always pay on time

One of the most straightforward ways to manage your credit card debt is to consistently honour your repayments. Paying your credit card on time will help you avoid extra interest and late fees. If you can, try to pay off more than the minimum monthly repayments, thereby reducing the interest you are charged and paying off your balance faster. Consider setting up a monthly direct debit to redirect some of your salary towards your credit card to pay off your balance sooner.

Keep an eye on your spending

To regulate your credit card balance, continuously monitor your spending. These days it is so easy to manage your banking on the run, with Phone, Mobile and Internet Banking. Monitoring your transactions will help you stay within your limit. Being vigilant can also help you protect your card’s security. If you notice any abnormal charges, increased direct debits or charges by companies you don’t recognise, your card might have been compromised and you should contact us immediately.

Use your card wisely

Even though credit cards are extremely useful, you should not necessarily use them for all of your everyday expenses. If you are running low on cash before payday, try to cut down your spending rather than relying on credit cards to get you through. Check your credit terms to see if any transactions attract higher costs. Cash advances can attract a higher interest rate, so it is wise to limit these.

With our range of Visa Credit Cards you will always have access to the funds you need. Speak to one of our consultants about arranging a credit card on +855 97 542 5306.

 

Featured Products

Visa Platinum

Enjoy a Credit Card with added Visa Platinum privileges, a low interest rate and easy access to funds.

Find out more

 9.99% pa
purchase interest rate

 9.99% pa
balance transfer rate

Apply Online Call +855 97 542 5306

Visa Classic

Benefit from an affordable Credit Card, with no annual fee and a low interest rate.

Find out more

 12.94% pa
purchase interest rate

 12.94% pa
balance transfer rate

Apply Online Call +855 97 542 5306

 

Credit card security

With a credit card you will always have funds at your fingertips, but you want to be able to use it without worrying about compromising the security of your card. Credit card fraud can escalate quickly so you need to be vigilant.

Below are some tips we can suggest to keep your credit cards details safe:

Monitor your account

Always monitor your balance closely, using your statements and Phone, Mobile or Internet Banking. If you see any abnormal charges, contact us immediately. Don’t disregard small charges you don’t recognise. Some scammers will make a very small initial charge on your credit card to test if it works before trying for a larger sum. Others have made millions by making micro charges on thousands of cards, relying on the owners not reporting the discrepancy.

Be on the alert

Scammers can be very sophisticated and persuasive. Some might pose as callers from your bank or other financial institutions, convincing you to divulge your credit card number and security code over the phone. If someone calls you purporting to be from our bank and asking for these kinds of details, politely refuse and contact us to report it. We will never call and ask for your credit card information.

Online and email scams are increasingly common. Investing in good antivirus or security software will help prevent scammers from installing spyware onto your computer that allows them to steal your credit card details.

Shop wisely online

Many credit card scams start online. When shopping, or even browsing, try to frequent secure websites recognisable by the padlock icon in the toolbar or the https tag in the website address. When making a payment, make sure the page is secure before entering your details. You should also avoid using your credit card on public computers in case of keylogger software that might record your numbers. If you receive a spam email, avoid spyware by never clicking on enclosed links.

Act quickly if your card is lost or stolen

If your card is misplaced or has been stolen, acting quickly will limit the damage. Having your card cancelled immediately will frustrate potential thieves or scammers and prevent you from incurring fraudulent charges on your card. Visit lost or stolen cards for more information.

For more information on card security visit the How To Protect Yourself within the Security section of our website.

 

Featured Products

Visa Platinum

Enjoy a Credit Card with added Visa Platinum privileges, a low interest rate and easy access to funds.

Find out more

 9.99% pa
purchase interest rate

 9.99% pa
balance transfer rate

Apply Online Call +855 97 542 5306

Visa Classic

Benefit from an affordable Credit Card, with no annual fee and a low interest rate.

Find out more

 12.94% pa
purchase interest rate

 12.94% pa
balance transfer rate

Apply Online Call +855 97 542 5306

Important Information
Credit Card Interest Rates effective 9 April 2016. Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.