NEVER pay annual fees on your credit card

I tried Coles Credit Card and Bankwest Gold credit card
- both no annual fees.

I use Coles it card to buy at Coles that earns flybuy points and claim $10 once it reach 2000 flybuy points at Coles.
I use Bankwest Gold credit card to buy airfare ticket as it covers free travel insurance.



* Citibank Signature Card or Platinum card — No Annual Fee for Life
http://www.citibank.com.au/familyandfriends/

* Coles Credit Card – no annual fee
http://www.colescreditcards.com.au/

-- earn flybuy point
-- convert 2000 flybuy points for $10 credit when shopping at Coles

Note:
- Pay your balance in FULL monthly before the due date.
- Set an alarm on your phone or calendar for the payment