Credit Card Deals

Check out 5 of the latest offers for rewards points, balance transfers, frequent flyer and more 🔥

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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

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Kogan Money Black Card - Exclusive Offer
20.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 24 months
0% Balance Transfer Offer & $50 Kogan.com Credit
Finder Exclusive
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
humm90 Mastercard
23.99% p.a.
Up to 110 days on purchases
$99
0% p.a. for 36 months
Long-Term 0% Balance Transfer Offer
Save with 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest-free on purchases.
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
0% Purchase & Balance Transfer Offers
Finder Exclusive, ends 30 June 2021
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 30 months
30-Month Balance Transfer & Annual Fee Discount
Save with a 0% p.a. on balance transfers for 30 months (with no balance transfer fee). Plus, a $49 first-year annual fee. Ends 30 June 2021.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$29 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 36 months
0% Balance Transfer Offer & $29 First-Year Annual Fee
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 30 months
0% Balance Transfer Offer & $0 First-Year Annual Fee
Save with 0% p.a. on balance transfers for 30 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
$64 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 26 months
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. on balance transfers for 26 months, a reduced 1st year annual fee & $129 Virgin Australia Gift Voucher yearly.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
100,000 Bonus Flybuys Points
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Bankwest Breeze Classic Mastercard
0% p.a. for 15 months, reverts to 9.9% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 15 months
0% Purchase Rate & Balance Transfer Offers
Save with 0% p.a. on purchases and balance transfers for 15 months (with no BT fee). Plus, a $0 first-year annual fee.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Up to 110,000 bonus Qantas Points & First-Year Annual Fee Discount
Earn up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months).
Bankwest Zero Platinum Mastercard
14.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 26 months with 2% balance transfer fee
No Annual Fee & 0% Balance Transfer Offer
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 28 months with 1% balance transfer fee
$0 First-Year Annual Fee & 0% Balance Transfer Offer
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Citi Rewards Card - Points & Gift Card Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months
90,000 Citi Rewards Points and $100 Coles eGift Card
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
St.George Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55
0% p.a. for 28 months
0% Balance Transfer Offer
Enjoy a 0% interest rate on balance transfers for 28 months, with no balance transfer fee.
Citi Rewards Card - Velocity Points Offer
21.49% p.a.
Up to 55 days on purchases
$99 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 15 months
100,000 bonus Velocity Points
Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, complimentary travel and purchase insurance.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$225 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
80,000 Bonus Points & 80 bonus Status Credits
Enjoy 80,000 bonus Qantas Points when you spend at least $4,000 within the first 3 months, 80 bonus Status Credits on eligible spend, plus a discounted $225 first-year annual fee.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months with 1.5% balance transfer fee
20,000 Bonus Flybuys Points & $0 First-Year Annual Fee
Enjoy 20,000 bonus Flybuys points (worth $100 at Coles), a $0 first-year annual fee and an 18-month balance transfer offer.
Bendigo Bank Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$45
0% p.a. for 24 months with 2% balance transfer fee
Long-Term 0% Balance Transfer Offer
Save with 0% p.a. on balance transfers for 24 months (with a 2% BT fee). Plus a 11.99% p.a. purchase interest rate. Ends 30 June 2021.
Latitude Gem Visa
24.99% p.a.
Up to 55 days on purchases
$99
0% Purchase Rate Offer
Enjoy 0% p.a. interest on purchases over $250 for 6 months, optional shopper's protection insurance and the convenience of Samsung Pay.
ANZ Platinum Credit Card
0% p.a. for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Citi Clear Card
14.99% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 15 months
$250 Cashback & 0% Balance Transfer Offers
Get $250 cashback when you spend $3,000 within the first 90 days. Plus, a 0% balance transfer offer and first-year annual fee discount.
St.George Amplify Platinum - Qantas
19.74% p.a.
Up to 55 days on purchases
$99
0% p.a. for 15 months with 1% balance transfer fee
Balance Transfer Offer & 60,000 Bonus Points
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
MoneyMe Freestyle Virtual Mastercard
16.99% p.a.
Up to 55 days on purchases
$0
Approval within minutes
Get approved quickly online and start using your card right away. Plus, the ability to transfer money to a bank account.
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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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What's next?
Get more value from a credit card by comparing the latest offers and applying now.

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