It is infuriating to find the cheap flight you are booking online turns out to be not such a great deal once the additional credit card charges are added on.

Many airlines are now offering POLi as a payment option. You can avoid paying any fees as the cost of your flights are directly transferred from your bank account. There is no extra charge to pay with POLi and they encourage their merchants not to surcharge for the use of POLi.

The system is available in Australia and New Zealand and is currently used by Air New Zealand, Jetstar, Virgin and Etihad Airways.

You will need to have internet banking enabled to use POLi – it’s a great alternative for people without credit cards, or for those who have them – but would prefer not to use them online.