sbiddle: IMHO I fail to see why credit card companies should be double dipping - they charge a retailer for accepting their card as a form of payment and then receive revenue in the form of interest and yearly fees from the card holder.

richgamer: i was looking at westpac's online application form and it says your income must be over $15,000.00 p.a otherwise you can't get one. on kiwibanks online form it says you have to earn more than $25,000 per year.

are these requirements for online applications only?