Frequent flyer credit cards

Redeem flyer points on your everyday spending or travel purchases by using a frequent flyer point credit card. Choose your frequent flyer program for airlines such as Qantas or Virgin to redeem free flights, accommodation and more.

Filter

Top suggested results

Credit Card

  • Bonus Offer
  • Flyer Points / $1 Spend
  • Flyer Program
  • Annual Fee
  • Minimum Income
Qantas Premier Titanium
Qantas Premier Titanium
  • Bonus Offer 150,000 Points
  • Flyer Points / $1 Spend 1.25
  • Flyer Program Qantas
  • Annual Fee $1,200
  • Minimum Income $200,000
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Frequent Flyer Points
    2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
    Concierge Service
    Qantas Wine Premium Membership
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $1200
Minimum Credit Limit: $15,000
Late Payment Fee: $30
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders for $100 annual fee per card
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Dining: Qantas Wine Premium Membership
Airport Lounge: 2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
Concierge Service: Yes
Points Per $1 Spend: 1.25 Qantas points on domestic spend up to $12,500 and then 0.5 Qantas points after in each statement period. 2 Qantas points on international purchases. 2 bonus points on eligible Qantas services.
Point Earning Limit: Uncapped
Bonus Points Offer: 150,000 Qantas Points when you spend $5,000 within 3 months from approval. Offer extended to 30 June 2021. Offer is only available to new Qantas Premier cardholders or those who haven't held a Qantas Premier card within the last 12 months.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
American Express Platinum
American Express Platinum
  • Bonus Offer 150,000 Points
  • Flyer Points / $1 Spend 1.1
  • Flyer Program Velocity
  • Annual Fee $1,450
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
  • Cashback
    Frequent Flyer Points
    American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
    International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
    Concierge Service
    Smartphone Screen Insurance
    Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
    Apple Pay, Samsung Pay, Google Pay
    American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Annual Fee: $1450
Interest Free Days: 44 days
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Purchase Protection: Yes
Entertainment: American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Travel Credit: $450 travel credit per year
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Smartphone Screen Insurance: Yes
Concierge Service: Yes
Airport Lounge: American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Travel Services: International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 300,000 Rewards Points when you apply online and spend $3,000 in the first 3 months from approval. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Offer 120,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Qantas
  • Annual Fee $425
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $200 Cashback
  • Cashback
    Frequent Flyer Points
    2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Exclusives by ANZ & VISA Entertainment
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee: $425
Minimum Credit Limit: $15,000
Late Payment Fee: $20
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
Points Per $1 Spend: 1 Qantas point on eligible purchases up to $7,500 and then 0.5 Qantas points after in each statement period. 1 bonus Qantas point on selected Qantas products and services in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 120,000 Qantas Points when you spend $3,000 on eligible purchases in first 3 months from the approval date.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.

All results

Showing 10 out of 38 results

Credit Card

  • Bonus Offer
  • Flyer Points / $1 Spend
  • Flyer Program
  • Annual Fee
  • Minimum Income
Qantas Premier Titanium
Qantas Premier Titanium
  • Bonus Offer 150,000 Points
  • Flyer Points / $1 Spend 1.25
  • Flyer Program Qantas
  • Annual Fee $1,200
  • Minimum Income $200,000
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Frequent Flyer Points
    2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
    Concierge Service
    Qantas Wine Premium Membership
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $1200
Minimum Credit Limit: $15,000
Late Payment Fee: $30
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders for $100 annual fee per card
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Dining: Qantas Wine Premium Membership
Airport Lounge: 2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
Concierge Service: Yes
Points Per $1 Spend: 1.25 Qantas points on domestic spend up to $12,500 and then 0.5 Qantas points after in each statement period. 2 Qantas points on international purchases. 2 bonus points on eligible Qantas services.
Point Earning Limit: Uncapped
Bonus Points Offer: 150,000 Qantas Points when you spend $5,000 within 3 months from approval. Offer extended to 30 June 2021. Offer is only available to new Qantas Premier cardholders or those who haven't held a Qantas Premier card within the last 12 months.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
American Express Platinum
American Express Platinum
  • Bonus Offer 150,000 Points
  • Flyer Points / $1 Spend 1.1
  • Flyer Program Velocity
  • Annual Fee $1,450
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
  • Cashback
    Frequent Flyer Points
    American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
    International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
    Concierge Service
    Smartphone Screen Insurance
    Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
    Apple Pay, Samsung Pay, Google Pay
    American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Annual Fee: $1450
Interest Free Days: 44 days
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Purchase Protection: Yes
Entertainment: American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Travel Credit: $450 travel credit per year
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Smartphone Screen Insurance: Yes
Concierge Service: Yes
Airport Lounge: American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Travel Services: International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 300,000 Rewards Points when you apply online and spend $3,000 in the first 3 months from approval. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Offer 120,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Qantas
  • Annual Fee $425
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $200 Cashback
  • Cashback
    Frequent Flyer Points
    2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Exclusives by ANZ & VISA Entertainment
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee: $425
Minimum Credit Limit: $15,000
Late Payment Fee: $20
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
Points Per $1 Spend: 1 Qantas point on eligible purchases up to $7,500 and then 0.5 Qantas points after in each statement period. 1 bonus Qantas point on selected Qantas products and services in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 120,000 Qantas Points when you spend $3,000 on eligible purchases in first 3 months from the approval date.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
NAB Qantas Rewards Signature
NAB Qantas Rewards Signature
  • Bonus Offer 110,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Qantas
  • Annual Fee $395
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Qantas Frequent Flyer
    Free Qantas Frequent Flyer membership
    Concierge Service
    Visa Premium Access
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.74% p.a.
Minimum Repayment: $25 or 2% of the closing balance, whichever is greater
Annual Fee: $395
Minimum Credit Limit: $15,000
Late Payment Fee: $15
Interest Free Days: 44 days
Additional Cardholders: No fee for additional cardholder
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Premium Access
Travel Services: Free Qantas Frequent Flyer membership
Concierge Service: Yes
Points Per $1 Spend: 1 Qantas point on everyday purchases up to $5,000 and then 0.5 Qantas points after up to $20,000 in each statement period . 1 bonus Qantas point on eligible Qantas services.
Point Earning Limit: Capped
Bonus Points Offer: 110,000 Qantas Points . 100,000 Qantas points when you spend $3,000 on everyday purchases within 60 days of the account open date. 30,000 Qantas points when you keep your card for over 12 months. Available to new NAB Qantas Rewards cardholders only.
Redeem Points: 8,000 Qantas points = Sydney to Melbourne (one way). 10,000 Qantas points approx. = $50 gift cards.
Virgin Velocity High Flyer
Virgin Velocity High Flyer
  • Bonus Offer 100,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Velocity
  • Annual Fee $289
  • Minimum Income $75,000
  • Purchase Protection
  • International Travel Insurance
  • $129 Virgin Australia voucher per year
  • Frequent Flyer Points
    Concierge Service
    Visa Signature Benefits
    Samsung Pay
Purchase Interest Rate: 20.74% p.a.
Cash Advance Rate: 20.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $289
Minimum Credit Limit: $15,000
Late Payment Fee: $30
Interest Free Days: 44 days
Additional Cardholders: $89 annual fee per additional cardholder
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: Samsung Pay
Travel Credit: $129 Virgin Australia voucher per year
Concierge Service: Yes
Hotel: Visa Signature Benefits
Points Per $1 Spend: 1 Velocity point on purchases for spend up to $8,000 and 0.5 Velocity points after that in each statement period.
Point Earning Limit: Uncapped
Bonus Points Offer: 100,000 Velocity Points . 25,000 Velocity points per month over 4 months when you spend $3,500 on eligible purchases each month. Offer is available to new credit card customers only.
Redeem Points: 7,800 Velocity points can fly you from Sydney to Byron Bay (one way). 9,900 Velocity points can get you a $50 gift card.
St.George Amplify Signature
St.George Amplify Signature
  • Bonus Offer 100,000 Points
  • Flyer Points / $1 Spend 0.75
  • Flyer Program Velocity
  • Annual Fee $279
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    2 Priority Pass airport lounge visits each year
    Visa Luxury Hotel Collection
    Apple Pay
Purchase Interest Rate: 19.74% p.a.
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee: $279
Minimum Credit Limit: $15,000
Late Payment Fee: $15
Interest Free Days: 55 days
Additional Cardholders: 1 additional cardholder at no extra cost
Purchase Protection: Yes
Airport Lounge: 2 Priority Pass airport lounge visits each year
Mobile Pay: Apple Pay
Hotel: Visa Luxury Hotel Collection
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1.5 Amplify point on eligible purchases.
Point Earning Limit: Uncapped
Bonus Points Offer: 200,000 Amplify Points . 100,000 points in year 1 and 2 when you spend $12,000 on eligible purchases each year. Offer is only available to new St.George Amplify cardholders or those who haven't held an Amplify card within the last 12 months.
Flyer Points Conversion Rate: 1 Amplify point = 0.5 Velocity points.
Redeem Points: 8,350 Amplify points lets you donate $50 to charity. 7,800 Velocity points you can fly from Sydney to Byron Bay (one way).
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Offer 90,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Velocity
  • Annual Fee $375
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Cashback
    Frequent Flyer Points
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Exclusives by ANZ
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee: $375
Minimum Credit Limit: $15,000
Late Payment Fee: $20
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Exclusives by ANZ
Points Per $1 Spend: 2 Reward points on eligible purchases up to $5,000 and then 1 Reward point after in each statement period.
Point Earning Limit: Uncapped
Bonus Points Offer: 180,000 Reward Points when you spend $2,000 on eligible purchases in first 3 months from the approval date.
Flyer Points Conversion Rate: 1 Reward point = 0.5 Velocity points.
Redeem Points: 11,115 Reward points gets you a $50 gift card or 12,500 points for $50 cashback. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
Qantas Premier Platinum
Qantas Premier Platinum
  • Bonus Offer 80,000 Points
  • Flyer Points / $1 Spend 1
  • Flyer Program Qantas
  • Annual Fee $299
  • Minimum Income $35,000
  • Domestic & International Travel Insurance
  • Frequent Flyer Points
    2 Qantas Club or Qantas International Business lounges entries per year
    Concierge Service
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $299
Minimum Credit Limit: $6,000
Late Payment Fee: $30
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders for $50 annual fee per card
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Airport Lounge: 2 Qantas Club or Qantas International Business lounges entries per year
Points Per $1 Spend: 1 Qantas point on domestic spend up to $10,000 and 0.5 Qantas points after in each statement period. 1.5 Qantas points on international purchases. 1 bonus Qantas point on eligible Qantas product & services.
Point Earning Limit: Uncapped
Bonus Points Offer: 80,000 Qantas Points when you spend $4,000 on eligible purchases within 3 months from approval. Offer is only available to new Qantas Premier cardholders or those who haven't held a Qantas Premier card within the last 12 months.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
  • Bonus Offer 75,000 Points
  • Flyer Points / $1 Spend 0.75
  • Flyer Program Qantas
  • Annual Fee $295
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $150 Cashback
  • Cashback
    Frequent Flyer Points
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    VISA Entertainment
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee: $295
Minimum Credit Limit: $6,000
Late Payment Fee: $20
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: VISA Entertainment
Points Per $1 Spend: 0.75 Qantas points on eligible purchases up to $3,000 and then 0.5 Qantas points after in each statement period . 1 bonus Qantas point on selected Qantas products and services and bonus partners.
Point Earning Limit: Uncapped
Bonus Points Offer: 75,000 Qantas Points when you spend $2,500 on eligible purchases in first 3 months from the approval date.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
Citi Prestige
Citi Prestige
  • Bonus Offer 66,000 Points
  • Flyer Points / $1 Spend 0.33
  • Flyer Program Emirates Skywards, Singapore Airlines
  • Annual Fee $700
  • Minimum Income $150,000
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
    1 complimentary luxury airport transfer per year for up to $100
    Concierge Service
    Free Wine Every Time You Dine With The Citibank Dining Program
    Complimentary 4th night hotel stay when you book 4 consecutive nights at a wide range of hotels
    Apple Pay
    Priceless Cities & Citi World Privileges
Purchase Interest Rate: 21.49% p.a.
Cash Advance Rate: 22.24% p.a.
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Annual Fee: $700
Minimum Credit Limit: $30,000
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Interest Free Days: 44 days
Maximum Credit Limit: $100,000
Late Payment Fee: $30
Purchase Protection: Yes
Entertainment: Priceless Cities & Citi World Privileges
Airport Lounge: Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
Mobile Pay: Apple Pay
Concierge Service: Yes
Travel Services: 1 complimentary luxury airport transfer per year for up to $100
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Travel Insurance: International Travel Insurance
Hotel: Complimentary 4th night hotel stay when you book 4 consecutive nights at a wide range of hotels
Points Per $1 Spend: 1 Citi reward point on eligible domestic spend. 2 Citi reward points with major: supermarkets, petrol outlets and national retailers. 3 Citi reward points with major: airlines, hotel chains and restaurants in Australia. 3 Citi reward points on international eligible transactions.
Point Earning Limit: Uncapped
Bonus Points Offer: 200,000 Reward Points when spend $7,500 within 60 days from approval. Offer is available to new credit card customers only.
Flyer Points Conversion Rate: 1 Citi reward point = 0.33 Skywards or KrisFlyer miles.
Redeem Points: 10,500 Citi reward points can get you a $50 gift card.

Copyright 2021 Kredmo © All Rights Reserved

Disclaimer 

Kredmo Pty Ltd ACN 624 938 932 is not a credit provider and does not provide personal financial or professional advice or credit assistance. Kredmo Pty Ltd is an Australian Credit License holder 518788. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. Kredmo strongly recommends that you seek independent advice before you apply for any product or service, which is described on the site/page... Read More