Key Facts Sheets: the fields to compare before applying
How to use the prescribed fields as a consistent comparison record without turning them into a recommendation.
Editorial status: needs review. How to use the prescribed fields as a consistent comparison record without turning them into a recommendation. This is general information, not personal financial advice.
What to record
The prescribed Australian credit-card fields separate purchase interest, interest-free period, cash advance, promotional and balance-transfer rates, annual fee and late-payment fee.
Before relying on a rate, fee, eligibility rule or complaint pathway, check the linked official source and the current provider terms. Record the date checked, the exact assumption and the next review date.
A practical checklist
- Identify the decision the reader is making.
- Compare like-for-like fields and keep unknown information visible.
- Save the official document or page used for each material claim.
- Use the internal link to Southern Ledger methodology and send corrections through our corrections page.
Disclaimer
This article is general information only, not personal financial advice. Current issuer terms, regulator guidance and the reader’s circumstances control.
Sources checked
- National Consumer Credit Protection Regulations 2010 — Schedule 6Supports: The prescribed Australian credit-card fields separate purchase interest, interest-free period, cash advance, promotional and balance-transfer rates, annual fee and late-payment fee. · consulted 2026-08-11
- Choosing a credit card — MoneysmartSupports: The surrounding costs and conditions should be recorded from current official documents before a reader compares products. · consulted 2026-08-11
General information only, not personal financial advice. Check current issuer terms, regulator guidance and your own circumstances before acting.