How to Build Credit History in Australia Without a Credit Card

How to Build Credit History in Australia Without a Credit Card

Think you need a credit card to build credit? Think again. In 2025, there are several smart ways Australians can build a strong credit history — without swiping plastic.

1. Use Buy Now Pay Later (BNPL) Services

Services like Afterpay and Zip now report to credit bureaus like Equifax. Timely repayments help establish a record.

2. Get a Mobile Phone or Internet Plan

Signing up for a contract (not prepaid) and paying your bills on time contributes to your credit file.

3. Use a Rental Reporting Service

Some platforms like Rental Rewards report rent payments to bureaus. Great for young renters!

4. Apply for a Small Personal Loan

If used wisely, a personal loan repaid on time helps build history — but start small!

5. Get Added as an Authorised User

If a family member has good credit, ask to be added to their credit account. Their history helps yours.

6. Pay Utilities in Your Name

Gas, water, and electricity bills may be added to your file. Pay on time to build trust.

Final Thought

In 2025, there’s more than one road to good credit. If credit cards aren’t for you — use the tools you already have. Build smart, build strong.

Disclaimer: Always verify with your lender or service provider whether payments are reported to credit bureaus.

Young Australian man building credit history without a card

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