The best credit card for you might be a super cheap card with no annual fee. Or it could be a card that gives you tons of frequent flyer points. Everyone is looking for something slightly different. So Finder's experts have searched for the best credit cards on the market in 11 different categories.
The top picks were updated by our team of credit card experts and reviewed by money editor Richard Whitten in December 2025.
Want to see more of the best credit cards on the market? Check out Finder's 2025 Credit Card Award winners. These cards were the top scoring cards consistently over 12 months.
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At Finder, we're obsessed with getting a better credit card deal. We even created our own scoring system so we can find
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the top cards more easily. And right now, we've got the five best cards on the market this month. Whether you're
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looking for a balance transfer offer, earning more points, or a cheap, no annual fee card, we've got you covered.
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But just keep in mind that while all these cards are really great offers, the best credit card for you will always be
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the one that suits your specific needs. So, let's dive in.
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If you're struggling to pay off some credit card debt, you could probably use the help of a balance transfer credit
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card. And right now, the best offer by far is the ANZ low rate credit card.
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This card is the only one in the market that will give you 0% on your unpaid balance for 26 months. That is the
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longest offer in the market by far. There's only two cards that offer 24 months with 0% and most of the top
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offers now only give you 12 months. So, it's a really strong card. There is a 3% balance transfer fee. So that's a a bit
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of a substantial fee on a higher balance, but the card has no annual fee in the first year, which will save you
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quite a bit. So it's really hard to beat this one. If you're trying to earn
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Qantas points, it's really hard to beat the Qantas American Express Ultimate card. This card gives eligible new customers up to 90,000 bonus Qantas points if you meet the spend criteria
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and apply as a new customer. You can get 70,000 of those points early on in the first few months. And if you hold the
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card for a whole year, you can get the remaining 20,000 points. These points should be enough to fly you across the
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country or even overseas depending on how far in advance you book if you get a good reward flight deal. The card does
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have a fairly high annual fee at $450, but it's offset entirely by an annual travel credit of the same amount. This
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means if you book a flight each year, you can actually offset the cost of the fee entirely and you end up paying
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nothing. And that makes this card a really compelling offer for those Qantas points hunters. Now, if you're
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looking for Velocity points instead of Qantas points, the top offer right now
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is the American Express Velocity Platinum Card. This card gives you 60,000 bonus Velocity points, but the
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good news is you don't have to wait a year to get the full amount. You can get them in the first few months if you
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apply as a new customer and meet the spend criteria. This car has a pretty high earn rate of 1.25 Velocity points
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and the annual fee is $414. If you're looking to earn rewards points, the top card right now is the
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Bankwest More World Mastercard offer. This card can give you up to 180,000 points if you hold the card for 15
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months and spend $10,000 in the first 90 days. And the card has an annual fee of $270.
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Now, these points can be redeemed for cashbacks worth up to $400. And the card also offers some quite nice perks
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that very few cards will give you now, which is 10 airport lounge passes per year, which is a lot higher than even
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some of the best frequent flyer cards that only give you two. Which is a really strong offer. And it also gives you complimentary travel insurance.
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And in the no annual fee category, the best card right now is the Kogan Money credit card. Not only is this a genuine no
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annual fee card, it's also a bit of a rewards card. If you shop at Kogan, you can earn Kogan points which you can cash
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in on your shopping. And there's also a $400 Kogan credit which is very handy if you're shopping at Kogan. Most no annual
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fee cards don't give you rewards on top. So, it's a really nice benefit. And there you have it. Finder's five best
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credit cards on the market this month. You can compare all these cards and more
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great offers right now at Finder.
"If you use a credit card properly, it's a great way to manage your spending, earn reward points or get your existing card debts under control with a balance transfer. But if you find you're struggling to pay it off and getting charged interest, it's time to reavaluate how you're using the card - and whether you need it at all."
The best credit card is the one that works best for you. So what are you looking for?
"When I first moved to Australia 9 years ago, I took out an Amex card that earned Velocity Points and gave me a solid earn rate of 1.2 points per dollar spent. The card had an annual fee of $375, but the 2 free lounge passes, free return domestic flight and 120,000 bonus points more than covered that fee. After Virgin halted many of its international flights – especially to LAX – I switched to a card that earns Qantas Points. I shop at Woollies a lot, so I can convert my Everyday Rewards Points to Qantas Points. "
We've looked at the best credit cards in this guide. But what are the best credit card brands? What do actual customers have to say about the cards they use?
The Finder Customer Satisfaction Awards surveyed hundreds of Australians about the credit card brands they trust and love the most.
Here are the results:
| Bank | Overall satisfaction | Trustworthy/reliable |
|---|---|---|
 | ★★★★★ 4.60/5 | 100% |
 | ★★★★★ 4.57/5 | 97% |
 | ★★★★★ 4.30/5 | 94% |
 | ★★★★★ 4.27/5 | 97% |
 | ★★★★★ 4.19/5 | 97% |
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