Vidhu Bajaj

Personal Finance Writer

Vidhu is a Personal Finance Writer at RateCity. She has been writing about finance topics from car loans and home loans to superannuation and cryptocurrencies for over five years. Before moving into finance, Vidhu went to law school where she studied human rights law. She has a Bachelor of Law degree and has previously worked in asset finance for Clifford Chance for more than four years. During her time at Clifford Chance, she worked in the India, London and Hong Kong offices on everything from aviation to vessel finance. In her spare time you’ll find her reading the Australian Financial Review or spending time with her dog Coco.

206 articles written by Vidhu Bajaj

/preferred-car-brands-australia
Car Loans

What are the preferred car brands in Australia?

While declaring a definitive 'best' car brand among these renowned players is challenging, some brands have earned a prominent position in the hearts of car enthusiasts across the country.

Vidhu Bajaj

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03 Aug, 2023

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8 min read

/pros-cons-credit-cards
Credit Cards

What are the pros and cons of a credit card?

Credit cards can be your best friend if you use them wisely but your worst enemy if you use them irresponsibly.

Vidhu Bajaj

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25 Jul, 2023

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9 min read

/how-to-find-right-mid-size-car
Car Loans

How to find the right mid-sized car for you

Whether you need a car to commute to work or pack the entire family for a road trip, a mid-size car hits the perfect sweet spot by combining practicality and versatility.

Vidhu Bajaj

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20 Jul, 2023

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8 min read

/making-minimum-repayments-on-your-credit-card
Credit Cards

Making minimum repayments on your credit card: what you need to know

Racking up a large sum of debt on your credit card is easily done but paying it off with the minimum repayments is not.

Vidhu Bajaj

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19 Jul, 2023

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4 min read

/paypal-versus-credit-cards
Credit Cards

PayPal versus credit cards: Which is the better online payment option?

If you’re regularly making online payments, you’ve likely been asked to choose between checking out with your credit card details, or using PayPal. But which option is better or more secure?

Vidhu Bajaj

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19 Jul, 2023

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9 min read

/checklist-for-choosing-first-car
Car Loans

Looking for your first car? Your checklist for choosing your first car

To help you with making a smart decision when selecting your first set of wheels, you’ll need to find a balance between what makes sense and what looks good or what your fantasy may be.

Vidhu Bajaj

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19 Jul, 2023

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7 min read

/how-does-zip-money-differ-afterpay
Buy Now Pay Later

How does Zip Money differ from Afterpay?

Zip Co, which offers Zip Money, and Afterpay are two of the more popular Buy Now, Pay Later (BNPL) service providers but their fees, lending criteria, and repayment terms vary.

Vidhu Bajaj

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19 Jul, 2023

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5 min read

/what-is-a-balance-transfer
Credit Cards

What is a balance transfer?

A balance transfer is the process of transferring the debt from one credit card onto a new credit card.

Vidhu Bajaj

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13 Jul, 2023

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6 min read

/credit-checks-mandatory-credit-cards
Credit Cards

Are credit checks mandatory for credit cards?

In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.

Vidhu Bajaj

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13 Jul, 2023

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9 min read

/pros-cons-getting-higher-credit-limit
Credit Cards

The pros and cons of getting a higher credit limit

From time to time, your lender will proactively ask you if you’d like to increase the limit on your credit card. But should you agree?

Vidhu Bajaj

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13 Jul, 2023

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9 min read