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Best Credit Card Deals 2017*

Looking for the most competitive credit card deals? Browse and compare these offers to find the best* credit card for you.

Whether you want to pay off debt with a balance transfer credit card, earn more rewards with a frequent flyer card or cut costs with a no annual fee credit card, use our Best Credit Card Deals guide to compare the most competitive offers. Simply click on the feature you're interested in, browse the credit card offers available and click to apply for a new card within minutes.

What type of card are you looking for?

 
St.George Vertigo Platinum

St.George Credit Card Offer

A platinum card from St.George which lets you enjoy a long-term balance transfer promotion and a low ongoing interest rate of 12.74% p.a. on purchases.

  • $99 p.a.
  • 12.74% p.a. on purchases
  • 0% p.a. for 20 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Compare Top Credit Card Offers* for your needs

0% balance transfer offers

Credit cards with introductory 0% interest rates on balance transfers can help you save money on existing card debt. When comparing cards, look at the length of the introductory offer and any one-off balance transfer fee that may apply. Also check the standard rates and fees for that card so you know what to expect after the honeymoon period has ended.

Rates last updated July 28th, 2017
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Take advantage of 0% p.a. for 20 months on balance transfers. Plus, complimentary insurance covers and personal concierge services.
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no fee, long-term balance transfer offer with platinum privileges, including travel insurance.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
St.George Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
A long-term balance transfer offer, plus extra points on eligible overseas spend and included travel insurance.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
BankSA Vertigo Visa
0% p.a. for 18 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
HSBC Low Rate Credit Card
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.

Compare up to 4 providers

finder.com.au's Best Credit Card Deals*

If you want to earn rewards for your spending and get bonus points on a new credit card, compare your options in the table below.

Credit Card Bonus Points Points Earning
50,0000.5
30,0001
 100,0002

Rewards and frequent flyer credit card offers

Choose a rewards or frequent flyer credit card to earn reward points on eligible purchases. Look for introductory bonus point offers to get extra value from the card you choose. When you're comparing these cards, it's also important to consider the rewards program, points per $1 spent and card costs.

Rates last updated July 28th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
Qantas American Express Ultimate Card - Online Offer
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
American Express Velocity Platinum Card
100,000 bonus points
0
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.

Compare up to 4 providers

Introductory purchase rate offers

If you have lots of expenses coming up, you can save hundreds or thousands of dollars worth of interest with a 0% or low introductory rate on purchases. Depending on the card, the 0% period on purchases can last between 3 to 15 months and will revert to a higher standard rate (usually between 13% and 20%) thereafter. But you won't pay interest on your purchases if you pay the card off before the end of the introductory period.

Rates last updated July 28th, 2017
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Interest Saved
ANZ Platinum Credit Card - Exclusive Offer
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Up to 55 days on purchases
Bankwest Breeze Mastercard
Get the security of free worldwide emergency card replacement and the convenience of Mastercard PayPass.
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$79 p.a.
Up to 55 days on purchases
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Until 31 July 2017 get 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Up to 44 days on purchases
Bankwest Breeze Platinum Mastercard
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Up to 55 days on purchases

Compare up to 4 providers

Compare credit cards with low or no annual fees

You can cut back on standard credit card costs with a low or no annual fee credit card. Some of these cards have $0 annual fees for life, while others have a reduced or $0 annual fee for a promotional period. Use our tables and reviews to confirm what the standard annual fee is and when it will apply to find the right card for you. 

Rates last updated July 28th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
American Express Essential®  Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
ANZ Platinum Credit Card - Exclusive Offer
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
HSBC Platinum Credit Card
$99 p.a.
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
BankSA Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 18 months
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive up to 55 days interest-free on purchases, platinum concierge service and extended complimentary insurance cover.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
CUA Low Rate Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
11.99% p.a.
0% p.a. for 13 months
Receive up to 55 days interest-free on purchases and the ability to use Apple Pay and Android Pay.

Compare up to 4 providers

Best* business credit card offers

Streamline your business expenses and enjoy tailored perks with a business credit card. Designed for sole traders, business owners and corporate entities, these cards often include features such as analytic tools, accounting software compatibility, complimentary insurance and rewards.

Rates last updated July 28th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Complimentary Travel Insurance Annual fee Minimum Income Product Description
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
Yes
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
American Express Gold Business Card
10,000 bonus points
0
1
Yes
$169 p.a.
$24,000
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
American Express Platinum Business Card
120,000 bonus points
0
1
Yes
$1,500 p.a.
$75,000
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
Commonwealth Bank Business Interest-Free Days Credit Card
No
$60 p.a.
The flexibility of a Mastercard and an American Express, plus the ability to directly transfer your points to Qantas frequent flyer.
ANZ Business Black
1
Yes
$450 p.a.
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses. $150 per additional card.

Compare up to 4 providers

Additional credit card benefits and perks

Premium gold, platinum and black credit cards often provide extras that can add hundreds of dollars value to the card you choose. Some of the most popular perks include:

  • Complimentary travel insurance. Cards with complimentary travel insurance usually offer medical and purchase protection for you, your spouse and children if they're travelling with you. While complimentary travel insurance can save you time and money, make sure you meet the eligibility requirements and that the policy provides sufficient cover.
  • Complimentary purchase insurance. Many premium cards also offer complimentary insurance for purchases you make with the card. Depending on the card, you could enjoy cover against theft, loss or damage of new items, extended warranties or even a refund on the price difference if you buy something and then see it elsewhere at a lower price.
  • Concierge services. Complimentary concierge services are similar to personal assistants. When you have access to this type of service through your credit card, you can use it for anything from making a restaurant reservation to booking a hotel stay or sending flowers to a loved one.
  •  Airport lounge passes. Many premium reward and frequent flyer credit cards offer complimentary annual passes to airline lounges each year. Some cards offer more than one pass so you can also invite a guest.
  • Contactless payments. Most cards come with contactless payments (such as PayPass or payWave) that allow you to "tap-and-go" for purchases at the checkout. There are also more cards now adopting contactless mobile technologies such as Apple Pay, Samsung Pay and Android Pay so that you can make in-store payments directly from a phone or mobile device.
  • Cashback offers. Some banks entice new customers to sign up or encourage existing customers to spend with certain partners with a cashback offer. This type of credit card deal usually requires you to spend a certain amount in a set period to receive a cash back reward such as credit on your account or a gift card. For example, a card may offer you $250 cash back when you spend $500 on eligible purchases in the first 3 months from account opening.

Comparison of credit cards with additional perks

Rates last updated July 28th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
0
0
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no fee, long-term balance transfer offer with platinum privileges, including travel insurance.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
St.George Vertigo Platinum
0
0
12.74% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
0
19.99% p.a.
$199 p.a.
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.

Compare up to 4 providers


What you need to know when comparing credit card deals

There's a difference between the best* credit card deal and the best* credit card for you. While it’s easy to be lured by the promise of low annual fees, bonus points and exclusive offers, the ongoing features are just as important in the long run. Comparing the following factors will help you find the right credit card for your needs now and in the future.

  • Promotional periods. Whether it’s a low balance transfer offer, 0% purchases or a waived annual fee, these credit card offers usually only last for a limited time. Generally, the introductory period begins as soon as the card is approved or activated, so you’ll need to take advantage of it immediately and know when it ends to get the most value out of it.
  • Revert rates. If you get a 0% balance transfer or purchase rate card, a higher interest rate will apply at the end of the promotional period. So, say you had a 0% balance transfer credit card for 12 months. After a year, the balance transfer rate would return to the standard balance transfer rate for that card, which could be as much as 22% p.a.
  • Standard costs. As well as the introductory offer or exclusive deal, pay attention to the standard costs such as annual fees, purchase rates and cash advance rates. This helps you ensure that the value of the offer isn’t outbalanced by the ongoing card costs.
  • Rewards programs. If you’re comparing rewards credit cards, consider how many points you can earn per dollar, the payments that earn rewards, how you can redeem rewards and whether there are any limitations (such as points caps or expiration).
  • Perks and services. To get more value from your card, look at the complimentary extras such as travel insurance, airline lounge passes or concierge services. If you use these features, they can add to the potential value of the card.

Pros and cons of credit card deals

Pros

  • Savings. With low or no annual fees, reduced interest rates and balance transfer promotions, many credit card deals give cardholders the opportunity to save on standard card costs.
  • Rewarded spending. If you opt for a reward program, you can get rewarded for everyday purchases.
  • Value for money. Depending on how you use the card, credit card deals can offer you more value for your money than a standard card.

Cons

  • Temporary. Some of these credit card deals are only temporary, so the card might not be of value to you when the offer ends.
  • Terms and conditions. All cards with credit card deals come with terms and conditions. Whether this refers to the promotional period and revert rate or spend requirements to earn bonus points, it’s important to make sure these conditions align with your spending behaviours.
  • Costs. Cards with special offers and extra features can come with higher costs than standard cards, so you’ll need to make sure the interest rates or annual fees don’t counteract the savings or value you’ll receive from the deal.

Credit card deals are a great way to get extra value out of the card you choose. As these offers only last for a limited time, make sure you compare the ongoing features and apply during the promotional offer period so you can get the most out of the card you choose.


Commonly asked questions from our users

Most credit card companies offer online and phone banking facilities to help you redeem your reward points.
Yes, you will still be required to make minimum payments to your credit card account. While you may not be charged any interest, you'll be required to pay a certain percentage of your outstanding balance each month to maintain your credit card.
This depends on the credit card provider and the rewards program in question. It can be as short as a few business days or as long as six weeks. Check the terms and conditions of the offer before you apply so you'll know when you're likely to receive your points.

After an introductory rate period ends a revert rate will apply. If the card is a purchase rate offer card, the revert rate will be the standard purchase rate of the card. If you've taken up a balance transfer offer card, the revert rate will depend on the card in question, but it will generally be the card's cash advance rate or purchase rate. As soon as the introductory period is over any outstanding balance will start accruing interest at the applicable rate.

No. As the annual fee is waived in the first year you will not start being charged an annual fee until after the initial 12-month period is over. Be sure to confirm the date you will be charged this fee (you can find out in the card's terms and conditions) to ensure you won't be charged.

Here are some simple tips that help protect you against credit card theft and fraud:

  • Do not share your ATM PIN number with strangers and don’t leave your credit card statement unattended.
  • In a shop when you are typing in your PIN, cover the keypad so no one will see the numbers you enter.
  • Do not give your credit card number over the phone unless you’re sure about whom you are speaking to.
  • While making online transactions, carefully monitor the site you are using it on.

Learn more in our guide on how to avoid credit card fraud.

You cannot pay a lump-sum and think that you can skip monthly payments for a few months. The minimum monthly payment needs to be made if you carry a balance, or paid in full. Alternatively you can elect to pay an amount in between.
If you haven’t paid the minimum monthly amount by the due date, then the credit card company is entitled to levy a late payment. The exact policies surrounding this will be found in the terms and conditions for your card.
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* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "Best" and "Top" are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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48 Responses

  1. Default Gravatar
    amandaJuly 14, 2017

    I want to consolidate credit card debt on a card with no transfer on balance with an extended payment timeline. Which is the best one?

    • Staff
      LiezlJuly 14, 2017Staff

      Hi Amanda,

      Thanks for your question.

      While we are unable to recommend a particular credit card, you may compare balance transfer credit cards with no interest for up to 24 months on this page.

      Just a reminder, please make sure you confirm that you meet the eligibility criteria before you submit your application, as rejected credit card applications can have a negative impact on your credit score.

      Cheers,
      Liezl

  2. Default Gravatar
    KirstenMay 18, 2017

    Hi,
    I’m looking for a C/C with low cash advance interest rate to pay off $1000 loan from a friend. I am currently on govt. benefits with an annual income of about $7000 from work and $9400 in child support.
    Will any C/C company even look at me?
    Thank you in advance
    Kirsten

    • Staff
      HaroldMay 18, 2017Staff

      Hi Kirsten,

      Thank you for your inquiry.

      Generally, it attract higher rates and fees when compared to regular purchases. You may want to consider the available option/s on this page regarding low cash advance rate credit card.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    September 17, 2016

    I pay my credit card in full each month. Most of my spending is done via credit card so I use it to track all outgoings.

    What is the best card for earning Virgin and what is the best card for earning Qantas points?

    My income is ~ $50K pa.

    • Staff
      SallySeptember 20, 2016Staff

      Hi Lorraine,

      Thanks for your question.

      As a financial comparison service, we’re unable to confirm which card is best for you as the right one will depend on your financial situation, spending habits and more.

      However, you can compare credit cards for earning Velocity Points and credit cards for earning Qantas Points through finder. Important details to pay attention to include the presence of bonus points offers, the earn rate (how many points you earn per dollar) and the rewards on offer. It’s also important to consider the costs of the card, such as the annual fee and interest rates, to make sure that the cost of the card doesn’t outweigh the value of the points you’ll earn. Some frequent flyer cards require cardholders to have a minimum annual income of higher than $50,000 p.a., so make sure you compare the eligibility requirements before you apply.

      I hope this has helped.

      Cheers,

      Sally

  4. Default Gravatar
    August 27, 2016

    I spend $500-1000 each month on my NAB FlyBuys credit card
    I pay off the balance in full just before the end of each month.
    What would be the best credit card for someone like me?

    • Default Gravatar
      tazSeptember 29, 2016

      They are all designed to have you spending money not saving it.
      Don’t get a credit card unless you really need one. Use a Visa Debit card instead. There is a small annual fee of about $80 but that is all you will pay as it’s your money to begin with.

      You will amazed just how much free money you have each month not living on credit.

      100% debt free is the only way to live.

      If you absolutely feel the need to have a credit card for emergencies keep it between 3000-5000 and don’t accept any increases. This way the monthly payments will be manageable for most people but don’t ever buy anything on credit you don’t really need.

    • Staff
      MayAugust 28, 2016Staff

      Hi John,

      Thank you for your question.

      As finder.com.au is a comparative financial service, we can’t actually recommend one specific credit card to our users as the best option depends entirely on your own financial situation.

      Nonetheless, when choosing a credit card, it’s always practical to consider the purpose of the credit card and to factor in how you will use it and how these fit into your financial circumstance. Our comparison tables above allow you to filter and sort the cards based on your interests – whether you’re looking to compare the balance transfer offer, annual fee or purchase rate and more.

      Once you’ve found a card you’re eligible for and you wish to apply for, you can click “Go to Site” to head over to the card issuer’s website.

      Hope this helps.

      Cheers,
      May

  5. Default Gravatar
    Stuarth44August 25, 2016

    Not so much a question but a statement of fact whilst on an overseas journey into France I had a stroke I had a Westpac black MasterCard I paid for the airfare with this card and the insurer picked up a hospital bill which was 100000 euros I will be forever thankful to Westpac and QBE
    QBE is the insurer for the Westpac card

  6. Default Gravatar
    VickiAugust 21, 2016

    Would there be any low interest or ’0′ % credit cards to do a credit transfer…..for low income earners or if you are on unemployment benefits…..I just noticed one I was looking at had a minimum income requirement of $35,000…..
    Thank you

    • Staff
      AnndyAugust 22, 2016Staff

      HI Vicki,

      Thanks for your question.

      If you are looking for a balance transfer credit card with low-income requirement, you can compare your options on this page.

      Please note that the total amount that you can move depends on your approved credit limit.

      Cheers,
      Anndy

  7. Default Gravatar
    JanetJune 30, 2016

    how does Qudos compare

    • Staff
      ChesterJuly 12, 2016Staff

      Hello Janet,

      to help you know more about the Qudos credit cards, please feel free visit this link click here.

      I hope this helps.

      Cheers!
      Chester

  8. Default Gravatar
    LMCMay 16, 2016

    Hi.. I am looking for my first credit card ..don’t have anything to transfer..but want the best that works out the cheapest?

    • Staff
      AnndyMay 16, 2016Staff

      Hi LMC,

      Thanks for your comment.

      Please note that finder.com.au is an online comparison service and we are not in a position to recommend specific credit cards as the “best option depends on your financial situation and spending habits.

      Nevertheless, you could check the low or no annual fees credit cards listed above as they allow you to save on the cost of using the card, every year or for the duration of the promotional period. However, they may also come with higher interest rates or limited features.

      Also worth checking are credit cards with introductory purchase rate offers which help you save on interest costs if you don’t pay the entire balance for the billing period. Some cards have 0% purchase rate per annum for up to 15 months.

      I hope this helps.

      Cheers,
      Anndy

  9. Default Gravatar
    RobApril 26, 2016

    Please find me a credit card that accepts gambling transfers including lotto and the like without treating it as a cash advance and charging cash advance interest together with a fee for service.

    • Staff
      MayApril 26, 2016Staff

      Hi Rob,

      Thanks for reaching out.

      Unfortunately, we’re unable to recommend a specific card/brand that accepts gambling transfers as most credit card companies may charge any gambling transaction as ‘cash advance’ and generally, cash advances incur fees and interests. Depending on the brand, they have different definitions of ‘cash advance.’ If you want to know if a certain credit card considers gambling transaction as ‘cash or credit,’ you may need to check the section in the terms and conditions regarding cash advances.

      Meanwhile, on this page, you can find and compare brands that allow gambling transactions.

      Hope this helps.

      Cheers,
      May

  10. Default Gravatar
    missyluluMarch 30, 2016

    Why is the 28 degrees Platinum MasterCard listed under Complimentary insurance policies when it doesn’t offer complimentary insurance???

    • Staff
      AllyMarch 31, 2016Staff

      Hi there,

      Thanks for reaching out.

      The 28 Degrees Platinum MasterCard has been included on that list for the reason that it offers a complimentary insurance cover on purchases.

      For your reference, I emailed you a link to 28 Degrees’ bank page (features section) where you can find this detail.

      I hope this has helped.

      Cheers,
      Ally

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