I'm looking at applying for my first credit card.

I'm looking at applying for my first credit card. Does anyone have any advice on a good 'starter' card with low eligibility requirements, and preferably some form of airline partnership.

Easy. The Qantas American Express Discovery Card. Zero annual fee, point per dollar (though capped) and two points per dollar for Qantas products (if memory serves me correctly). Only negative that Amex not accepted everywhere or if accepted attract a fee. But you can easy setup Mastercard or Visa debit card for such situations.

+1

Only wish I had applied for the card last year and captured all my spending into points!

I have the HSBC Platinum Qantas card (Visa). Main features:

* $199 annual fee

* 1 point per dollar (one of the only Visa/MC to offer 1:1)

* 20,000 point sign on bonus

I've had the card for nearly a year and already have enough points to fly myself to NYC!

$199 annual fee for FIRST credit card? I have like half a dozen of then and still paying nothing :-)

This was my first credit card! It had a relatively low reqiurement for annual income as well. I've tried to apply for other CC's hooked in to QF FF and I don't meet the annual income. 

Thanks everyone. 

Your credit card choice is dependent on your use etc. But I have to disagree with the above. I have the HSBC card, but it has a high annual limit and I don't think the minimum income is that low. It does have a good points earn for a VISA and some other perks. So it may work for you. For me, the $199 fee is offset by access to travel insurance.

As for the AMEX discovery card, you really should get a Visa or Mastercard as a first card as they are more widely accepted. But it is free... but you often find using it is not as many retailers charge a fee for AMEX.

Some options include the Woolies Qantas Mastercard - annual fee of $89.00, 16,000 bonus points, 55 interest free days - but only 1 pts per $2 spent. Or waiting until one of the banks (ie ANZ) who offer 'one account 2 cards' (Visa/Mastercard & AMEX) with a promotional a bonus points offer on a card with low annual fee.

Also have a look at: http://www.qantas.com.au/fflyer/dyn/partners/card-selector

Hello Tom, like all the advice its horses for courses I have about ten cards ranging from nil fees to hundreds its a lifestyle decision. However I don't think you can beat the woolworths everyday rewards platinum credit card, if you also combine it with a woolworths everyday rewards card the barcode is printed on the back of the CCard (after all you eat and drink) the $ to point with bonus offers and transferring fuel discounts can drop point cost down to 0.50 c per point earn. You also get free QFF membership if you are an everyday rewards member (regardless that QFF currently have free membership at present this isn't always the case but it is when you're an everyday rewards member). This program offers so many benefits in relation to everyday use and with an $89 annual fee and 16000 poibts to kick start its a no brainer for my liking. Cheers

I'd take the NAB Velocity Rewards card. Low annual fee (something like $70), and it earns 1 point per dollar on AMEX and 1 point per 2 dollars on VISA.

You get both the VISA and AMEX cards on the same account.

There's a 10,000 point signup bonus.

The eligibility is pretty low too, I signed up whilst I was still a University student with minimal fixed income.

Do try it!

http://www.citibank.com.au/familyandfriends/

o annual fee for both. Singanature card will give Priority Club membership for free.