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, here you can compare a range of competitive offers to find the best credit card deals for your needs. Simply click on the feature you're interested in, browse the credit card offers available, compare your options and click to apply for a new card within minutes.
What type of card are you looking for?
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 you transfer it to the new card. When you're comparing balance transfer 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.
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 below.
- Citi Qantas Signature. Offers 50,000 bonus points and an ongoing earn rate of 0.5 points per $1 spent.
- Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer. Enjoy 80,000 bonus points and an earn rate of 1 per $1 spent.
- American Express Explorer Card. Get 50,000 bonus points and an earn rate of 2 points per $1 spent.
Reward and frequent flyer credit card offers
A reward or frequent flyer credit card gives you a way to earn points on your everyday spending. You can also get extra value from a new card if it includes an introductory bonus point offer. When you're comparing reward and frequent flyer cards, it's also important to consider the type of rewards program, the amount of points you'll earn per $1 spent on eligible purchases and the rates and fees.
Introductory purchase rate offers
If you have lots of expenses coming up, you can save on interest charges with a credit card that offers a 0% or low introductory rate on purchases. Depending on the card, the 0% period on purchases could last between 3 to 15 months before it reverts to a higher standard interest rate. You can avoid paying any interest on your purchases by paying the full balance before the end of the introductory period – otherwise the standard rate will apply to any outstanding amount left after the 0% period ends.
Credit cards with low or no annual fees
A low or no annual fee credit card helps you cut down on standard account costs. Some of these cards have $0 annual fees for life, while others have a reduced or $0 annual fee for a promotional period. You can check the standard annual fee for a card in the comparison tables and reviews on finder.com.au to help you to find the right $0 annual fee card for you.
Best business credit card offers*
A business credit card can help you streamline your business expenses and enjoy tailored perks. Designed for sole traders, business owners and corporate entities, these cards often include features such as multiple cardholders, expense-tracking tools and compatibility with accounting software such as MYOB, Microsoft Excel and Quicken. Some business credit cards also offer perks such as complimentary insurance and rewards.
Other 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 personal property 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 call the concierge for help with 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 Google 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 cashback reward such as credit on your account or a gift card. For example, a card may offer you $250 cashback when you spend $500 on eligible purchases in the first 3 months from account opening.
Compare credit cards with extra perks
What do I need to know to compare 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 rates and 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. This means you'll need to apply before the promotion ends. Also keep in mind that introductory periods typically begin as soon as the card is approved or activated, so you need to take advantage of and offer 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. or higher.
- Standard costs. As well as the introductory offer or exclusive deal, pay attention to standard costs such as the annual fee, purchase rate and cash advance rate. This will help you make sure the value of the offer isn’t balanced out by ongoing card costs.
- Rewards programs. If you’re comparing rewards credit cards, consider how many points you can earn per dollar, what transactions are eligible to earn points, how you can redeem rewards and whether there are any limitations (such as point caps or point expiry).
- Perks. Check out details for any 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
- 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.
- 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.
Frequently asked questions from our users
If you want to know more about finding, comparing or using the best credit card deals*, here we've answered some of the most common questions we're asked about them. You can also get answers to your own questions by leaving a response in the comment box below.
Images: ShutterstockBack to top
* 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.