Looking for the most competitive credit card deals? Browse and compare our picks to find the best* credit card for you.
Whether you're looking for a balance transfer credit card to repay your debt, a frequent flyer card to earn rewards or a no annual fee credit card to cut costs, use our Best Credit Card Deals guide to compare the most competitive deals.
What type of card are you looking for?
Compare the Top Credit Card Offers* for your needs
Virgin Australia Velocity Flyer Card Offer
Enjoy Velocity Points per $1 spent with frequent flyer card benefits. Also take advantage of a long term balance transfer offer with a reduced annual fee for the first year.
- $64 p.a. annual fee for the first year ($129 p.a. thereafter) annual fee
- 20.74% p.a. on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 20.99% p.a.
- Up to 44 days interest free
- Minimum Income Requirement of $35,000 p.a.
0% Balance transfer offers
finder.com.au's Best Credit Card Deals*
If you don't want to pay an annual fee but still want to earn rewards, compare your options in the table below.
|Credit Card||Bonus Points||Points Earning|
Rewards or frequent flyer credit cards
You can use a rewards or frequent flyer credit card to earn reward points on eligible purchases. When comparing these cards, it’s important to pay attention to earn rates, reward programs, rewards you can redeem and bonus points.
Introductory purchase rate offers
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.
Low or no annual fees
A low or no annual fee credit card can help you cut back on standard credit card costs. Please note that some of these cards only have a reduced or $0 annual fee for a promotional period, so you can use our tables and reviews to confirm what the standard annual fee is and when it will apply.
Business credit card offers
These cards are designed for corporate expenses and offer perks that are tailored to businesses rather than for personal use. Some of these features could include complimentary travel and purchase insurances, reward programs, concierge services, airline lounge passes and business cost management systems.
Additional benefits and perks
Premium credit cards, such as gold and platinum cards, often offer extra features that give the credit card added value. Some of these include:
- Complimentary 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.
- Concierge services. A concierge service is a complimentary service that can be used for anything from making a restaurant reservation to booking a hotel stay or sending flowers.
- Airline lounge passes. Many premium frequent flyer cards offer complimentary annual passes to airline lounges each year. Some cards offer more than one pass and can be used to invite a guest.
- Contactless payments While most cards come with contactless payments (such as PayPass or Paywave), more cards are adopting contactless mobile technologies such as Apple Pay, Samsung Pay and Android Pay.
- Cashback offers Some banks entice new customers to sign up or encourage existing customers to spend with certain partners with the promise of cash back offers. The offer will usually require you to spend a certain amount in a set period (such as $500 on eligible purchases in the first three months) to receive a cashback reward (say $250).
What you need to know when comparing credit card deals
While it’s easy to be lured by the promise of low annual fees, bonus points and exclusive offers, knowing how to compare will ensure that you end up with the better deal. Some of the factors you should compare include:
- 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 promotional period. The introductory period usually 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 enjoy the full value.
- Revert rates. When the promotional period ends, a higher revert rate will apply. Say if 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 of usually between 19% and 22%.
- Standard costs. As well as the exclusive deal, you’ll need to pay attention to the standard costs (such as annual fees, purchase rates and cash advance rates) to ensure that the value of the offer isn’t outbalanced by the card fees.
- Rewards programs. If you’re comparing rewards credit cards, consider how many points you can earn per dollar, how you can earn rewards, how you can redeem rewards and whether any limitations (such as points caps or expiration) apply.
- Perks and services. To get extra value from your card, pay attention to extra perks such as interest-free days, complimentary insurance, airline lounge passes or concierge services to understand the potential value of the card.
Perks and downfalls 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 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.
Commonly asked questions from our users
How can I redeem rewards?
Do I have to make any payments during the introductory period if there is no interest being charged?
How long does it take to receive my sign-up bonus points?
What happens after the introductory period ends?
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.
If I take up a credit card that has the annual fee waived for the first year, will I be charged if I close my account in the first twelve months?
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.
How do I protect my credit card against fraud or theft?
Do I need to pay minimum monthly payments?
When do late payment fees apply?
* 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.