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About our promoted picks

The cards shown above are promoted picks, which means they've been chosen from among the partners we work with and are based on factors that include special features or offers and the commission we receive. Further down the page in our table, and in our dedicated guides, you can compare the full range of credit cards we cover on our site. Keep in mind that our promoted picks may not always be the best fit for you – it's important to compare for yourself and find a card that works for you.

Find the best credit card for you

How do I know which credit card is best?

Even though there's no one "best" credit card for everyone, there are a few things that have universal appeal, including:

  • Low fees and interest rates to help you save on credit card costs
  • A long 0% balance transfer period if you want to pay off debt without interest
  • Rewards, travel perks or other extras that you can use to get more value
  • A bank you want to deal with (think good service, a cool app or mobile payments)

How important each of the above points is to you will help you decide which card will best fit your wallet.

Common questions about finding the best type of card for you

Sometimes people will look at two or more types of credit cards – or even another payment method – when they're trying to find the best one for them. So we've answered some of the most common "which is better" questions to help you decide.

Which is better: Rewards or frequent flyer credit cards?

If you're focused on earning points through Qantas Frequent Flyer or Velocity Frequent Flyer, a card that earns those points makes the most sense. With some cards, the bonus points alone could be enough to get you a business class flight or holiday.

On the other hand, a rewards credit card gives you better options if you're a member of a few loyalty programs and want to transfer points between them. Rewards credit cards also give you lots more choice if travel's not part of your plans right now or you're more interested in cash rewards and retail goodies.

Which is better: A low interest rate or no annual fee on your credit card?

Low rate credit cards are better if you don't pay your bill in full every month. You'll still have to pay more than what you borrowed, but it will usually cost you less than a card with no annual fee (and therefore a higher interest rate).

A $0 annual fee card is great if you pay as you go or repay everything when it's due. This means you won't be paying interest charges anyway, so paying no annual fee means you can effectively pay nothing to use your card.

Which is better: A 0% balance transfer credit card or a personal loan?

A 0% balance transfer credit card works well for credit card debt if you can pay the debt off within 2.5 years. This is because the 0% introductory rate usually lasts for between 6 and 30 months.

If you want smaller repayments spread out over a longer period of time, personal loans offer terms from 1 to 5 years – and some offer up to 10 years. So you'll pay interest, but it could make it easier to chip away at what you owe. Personal loans also let you consolidate different types of debts, including credit card debt, other loans and even some buy now pay later debt.

Which is better: No interest, flat monthly fee cards or a buy now pay later (BNPL) plan?

A no interest credit card with a flat, monthly fee might be good if you want to be able to pay off what you buy over time without being limited to selected retailers (which you sometimes are with Afterpay, Klarna and some other BNPL plans). These credit cards are also better if you want to build up your credit history, because most BNPL plans don't add to your credit report.

But if you mostly shop with the partnered brands and can make all of your payments on time (to avoid late fees), you could use a platform like Afterpay without any costs. And if you already have an account that you're happily using, there's probably no reason to get a credit card – unless you want to build your credit history.

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