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 bi...