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Credit cards for shopping this Christmas

From 0% purchase rates to bonus points, discover how you can make the most of a credit card this Christmas.

Christmas is the season for giving. Unfortunately, it's also the time year when many of us turn to plastic to pay for gifts, food and everything else. But what if you took control of your Christmas spending before it got out of hand? It is possible and it's simple to do – it just starts with knowing what your options are.

From 0% interest rates to $0 foreign transaction fees and rewards, here you can compare the different types of credit cards available and find one that suits your goals this Christmas.

Buy now, pay later: Credit cards with 0% purchase rate offers

If you're planning to use a credit card for your Christmas shopping, getting one that offers an introductory rate of 0% p.a. on purchases can help you save on interest charges for a set period of time. Usually, these cards offer 0% interest for the first 3 to 15 months, which means you could have more than a year to enjoy making interest-free purchases. At the end of the introductory period, any debt left on the card will be charged interest at a higher standard rate, so keep that in mind when you're comparing cards and working out your budget.

Rates last updated November 20th, 2018
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
Citi Platinum Credit Card - Exclusive Offer
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Up to 55 days on purchases
Virgin Australia Velocity Flyer Card - Exclusive Offer
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 44 days on purchases
Bankwest Breeze Classic Mastercard
Receive purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing rate and up to 55 interest-free days on purchases.
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$79 p.a.
Up to 55 days on purchases
Bankwest Breeze Platinum Mastercard
Receive a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Up to 55 days on purchases
Qantas Premier Everyday
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
0% p.a. for 9 months (reverts to 19.99% p.a.)
0% p.a. for 9 months
$49 p.a.
Up to 55 days on purchases
St.George Amplify
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, earn 1 Amplify Point per $1 spent on eligible purchases, uncapped.
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Up to 55 days on purchases
Bank of Melbourne Amplify Card
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Up to 55 days on purchases
NAB Low Rate Platinum Card
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
0% p.a. for 9 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$100 p.a.
Up to 55 days on purchases
BankSA Amplify
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Up to 55 days on purchases
NAB Low Rate Credit Card
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
0% p.a. for 6 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
Up to 55 days on purchases

Compare up to 4 providers

Earn points as you spend: Frequent flyer and reward credit cards

You could reward your generosity this Christmas with a card that offers points for every $1 you spend on eligible purchases. Varying between frequent flyer programs and credit card loyalty schemes, you can use these points to redeem a range of rewards including travel, gift cards or merchandise. Reward credit cards often have higher annual fees and interest rates than other cards, so you'll get more value from them if you pay off your balance in full each statement period.

Save on overseas shopping: Cards with no foreign transaction fees

If you're planning to do a lot of Christmas shopping online or you're heading overseas, these credit cards can help keep your costs down by waiving the usual 2-4% fee you'd pay for any transaction made online or overseas with an international retailer.

Rates last updated November 20th, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
28 Degrees Platinum Mastercard
0% of transaction value
$0
3% of the cash advance or $4 (whichever is greater)
$0 p.a.
No foreign transaction fees on international purchases including international purchases online, together with a no annual fee.
Bankwest Breeze Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$99 p.a.
Receive a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
ANZ Rewards Travel Adventures card
0% of transaction value
$5
$0
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

Compare up to 4 providers

Shop without the frills: Low rate and $0 annual fee cards

If you want to save on costs and don't need all of the trimmings this Christmas, you might want to consider a credit card that offers a low ongoing interest rate or no annual fee. The competitive rates and fees on these cards can help keep your costs down during the silly season and beyond. Just keep in mind that some low rate and no annual fee cards are also lighter on perks such as rewards or complimentary insurance.

Compare low rate credit cards

Rates last updated November 20th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest-free.
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
Take advantage of a 0% p.a. balance transfer rate for 13 months, $0 first year annual fee, and a low ongoing 11.99% p.a. interest rate on purchases.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$99 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
St.George Vertigo Classic
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$79 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing rate and up to 55 interest-free days on purchases.

Compare up to 4 providers

Compare credit cards with no annual fees

Rates last updated November 20th, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
ME frank Credit Card
$0 p.a.
11.99% p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest-free.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Bendigo Bank Low Rate Mastercard
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
11.99% p.a.
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
CUA Low Rate Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
11.99% p.a.
0% p.a. for 13 months
Take advantage of a 0% p.a. balance transfer rate for 13 months, $0 first year annual fee, and a low ongoing 11.99% p.a. interest rate on purchases.
Citi Clear Platinum Credit Card
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
12.99% p.a.
0% p.a. for 14 months
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Westpac Low Rate Card
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Platinum Credit Card
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Woolworths Everyday Platinum Credit Card - Finder Only Offer
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
2.99% p.a. for 18 months
Finder only: Offers a $50 eGift Card, 4,000 bonus Credit Card points and a $0 first year annual fee. Plus, 10% off your shop once a month.
28 Degrees Platinum Mastercard
$0 p.a.
21.99% p.a.
4.99% p.a. for 6 months
Designed for travel, benefit from 0% foreign transaction fees on purchases, a $0 annual fee for life and a personal concierge service.

Compare up to 4 providers

Deal with Christmas credit card debt: Balance transfer cards

If you're planning to pay on plastic over Christmas, a balance transfer credit card could help you manage your debt in the new year. These cards offer an introductory low or 0% interest rate when you transfer debt from your existing card over to the new one. At the end of the introductory period, a higher standard interest rate applies for any debt remaining from the transfer. But with introductory periods usually ranging from 12 to 24 months, these cards can help you save on interest costs and clear your debt faster.

Rates last updated November 20th, 2018
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Low Fee Platinum Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Rewards Platinum Credit Card - Online Offer
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Receive a long-term BT offer, earn Citi Reward Points and receive complimentary travel insurance.
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Citi Clear Platinum Credit Card
0% p.a. for 14 months
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
ANZ First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
St.George Vertigo Classic
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a $64 first year annual fee and 0% p.a. balance transfer offer. Plus, receive a $129 Virgin Australia Gift Voucher each year.

Compare up to 4 providers

How can I compare Christmas credit card offers?

family shopping with credit card on Christmas day

If you're looking for a new credit card this Christmas, here are the key details to keep in mind when you're comparing different options:

  • Introductory 0% interest offers. Many of these cards will offer you an introductory 0% on purchases, balance transfers or both. Remember to check the length of the introductory offer, so you know how long your balance will be interest-free.
  • Standard interest rates. It's essential you check the card's standard variable interest rates for purchases, balance transfers and cash advances. These rates will apply as soon as any 0% interest period ends and could add a lot to your credit card bill if you're carrying a balance.
  • Annual fee. Credit card annual fees can be as low as $25 and as high as $700 or more. Make sure you check this cost before you apply, keeping in mind that some cards offer a reduced or $0 annual fee in the first year before the standard fee applies.
  • Bonus points. The bonus point offers available on some reward and frequent flyer credit cards can give you hundreds of dollars extra value when you first sign up. Just remember to check the offer requirements, as you'll usually need to spend a set amount in the first few months before you'll get the points.
  • Rewards. If you want a card that rewards you for your spending, make sure you look at the standard number of points you'll earn per $1 spent and check for any points caps. It's also a good idea to browse the rewards website and get an idea of how many points you'll need to redeem different items so you can find a program that's worth it for you.
  • Extras. Complimentary perks such as travel insurance, extended warranty cover, airport lounge access and concierge services can help you get more value from a credit card. But think carefully about whether you'll use these extras and weigh them against the cost of the card to decide if it's worth it.

It's easy to get carried away with a credit card at this time of year but that doesn't have to mean running up a huge debt. Taking some time to compare different Christmas credit card offers based on your budget and needs will help you find a card that works for you.

Pictures: Shutterstock

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Important Information*
Citi Platinum Credit Card - Exclusive...

Interest rate

20.99

Annual fee

49*

*$149 p.a. after first year

Virgin Australia Velocity Flyer Card ...

Interest rate

20.74

Annual fee

64*

*$129 p.a. after first year

American Express Westpac Altitude Pla...

Interest rate

20.24

Annual fee

50*

*$249 p.a. after first year

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