Credit cards for shopping this Christmas

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

Last updated:

Presents underneath the Christmas tree

Christmas is the time year when many of us turn to plastic to pay for gifts, food and everything else. Whether you want to reward your generosity with frequent flyer points or avoid interest as you're ticking off the Christmas gift list, you can use this guide to compare the different credit cards that could suit your needs in the lead up to the holidays.

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

These credit cards help you save on interest charges by offering you a 0% p.a. interest rate on purchases during the introductory period. The interest-free period generally ranges between 6 and 15 months. After that, any debt left on the card will be charged interest at a higher standard rate. But if you can pay off the card before the introductory period ends, you'd avoid interest charges altogether on your Christmas shopping.

Updated December 9th, 2019
$
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Interest Free Period Amount saved
0% for 13 months, reverts to 21.49% 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
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% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Up to 55 days on purchases
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
0% 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 55 days on purchases
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
0% for 15 months, reverts to 11.99% p.a.
0% p.a. for 6 months
$45 p.a.
Up to 55 days on purchases
A no-frills credit card with a competitive annual fee and 0% p.a. on purchases for 15 months. Plus, a 0% balance transfer offer for 6 months.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Offers a 0% p.a. purchase rate for 15 months, a reduced annual fee for the first year and complimentary travel insurance.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Offers an interest-free purchase promotion, a discounted annual fee of $49 for the first year and complimentary travel insurance.

Compare up to 4 providers

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

You can use a frequent flyer or rewards card to earn points per $1 spent on eligible purchases, including online shopping, retail spending, groceries and petrol. If you want to get a new frequent flyer or rewards card before Christmas, you could also collect thousands of bonus points through an introductory offer. Usually, these offers require you to meet a spend requirement – such as $3,000 in the first 3 months – so putting all your holiday spending on the card could help you reach this goal faster.

Updated December 9th, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
70,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
120,000 bonus points
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
120,000 bonus points
Qantas Frequent Flyer
Visa/MC
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
200,000 bonus points
Membership Rewards
Amex
2.25
N/A
$1,750 p.a.
Finder Exclusive for ABN holders w/ $75,000 revenue:
Get 200,000 bonus points, no pre-set spending limit, 55 days cash flow days, luxury travel perks and up to 2.25 points per eligible $1 spent.
55,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
100,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points, 3x points on eligible Qantas flights and 2 lounge passes.
50,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days of approval. Plus, complimentary insurances and a concierge service.
60,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Receive 60,000 bonus Velocity Points when you spend $3,000 within 90 days of card approval. Plus, 2 complimentary Economy X Seat Upgrade Vouchers each year.
75,000 bonus points
Velocity Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
110,000 bonus points
Westpac Altitude Rewards
Amex
2
Visa/MC
1
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Collect up to 110,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex).
Velocity Frequent Flyer
Amex
0.75
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.
75,000 bonus points
Qantas Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
100,000 bonus points
Membership Rewards Gateway
Amex
2
16.99% p.a.
$395 p.a.
ABN holders w/ $75,000 revenue. Get 100,000 bonus points. Plus, 2 yearly lounge passes on this business card.
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Earn up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
30,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards points or 15,000 Qantas Points on eligible spend.
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
80,000 bonus points
Westpac Altitude Rewards
Visa/MC
1
20.49% p.a.
$150 p.a.
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, complimentary insurance and a personal concierge.
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Get $400 e-gift card when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary travel insurance.
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
200,000 bonus points
Amplify Rewards
Visa/MC
1.5
19.74% p.a.
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Get up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
Amplify Rewards
Visa/MC
1
19.74% p.a.
$99 p.a.
Get a $400 e-gift card when you spend $3,000 on eligible purchases within 90 days of card approval. Plus, complimentary insurance covers.
Membership Rewards Ascent
Amex
1.5
N/A
$169 p.a.
ABN holders w/ $75,000 revenue. A business card with no pre-set spending limit, data feeds to MYOB and up to 51 days to pay for purchases.
120,000 bonus points
Citi Rewards Program
Visa/MC
1
21.49% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Offers 120,000 bonus reward Points, a $199 first year annual fee, airport lounge passes and premium perks.
100,000 bonus points
NAB Rewards
Visa/MC
1.25
18.5% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
Citi Rewards Program
Visa/MC
1
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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.

Compare up to 4 providers

Protect your purchases: Credit cards with complimentary insurance

These credit cards offer some additional peace of mind, featuring purchase protection (against loss, theft or damage), price guarantee schemes (refunding the difference if the price drops), refund protection (if the retailer won't accept your refund request), and/or extended warranty cover. Finder's guide to credit card purchase insurance gives you a full run-down these benefits and the eligibility criteria.

Updated December 9th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
9.89% p.a.
$69 p.a.
Offers a competitively low interest rate and up to 55 days interest-free on purchases. Plus, price and purchase protection covers.
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. purchase rate for 15 months, a reduced annual fee for the first year and complimentary travel insurance.
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
21.49% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive protection through guaranteed pricing scheme, purchase cover insurance, and extended warranty insurance.
21.49% p.a.
0% p.a. for 26 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.

Compare up to 4 providers

Save on overseas shopping: Cards with no foreign transaction fees

If you're planning to do a lot of Christmas shopping online with international retailers or you're heading overseas, these credit cards can help keep your costs down by waiving the usual 2-3% fee that most cards charge for transactions that are made online or overseas with an international retailer.

Updated December 9th, 2019
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee
0% of transaction value
$0
3% of transaction amount or $4 (whichever is greater)
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
0% of transaction value
$0
2% 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.

2.5% of transaction value
$2.50
$0 p.a.
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.

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, consider a card that charges low ongoing interest rate or no annual fee. The competitive rates and fees on these cards can help keep your costs down during the festive 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

Updated December 9th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Balance transfer rate
9.89% p.a.
Up to 55 days on purchases
$69 p.a.
Offers a competitively low interest rate and up to 55 days interest-free on purchases. Plus, price and purchase protection covers.
0% for 9 months, reverts to 14.99% 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 9 months
0% p.a. for 9 months
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
11.99% p.a.
Up to 45 days on purchases
$0 p.a.
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.
0% for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
A no-frills credit card with a competitive annual fee and 0% p.a. on purchases for 15 months. Plus, a 0% balance transfer offer for 6 months.
0% for 14 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
0% p.a. for 6 months
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
0% for 13 months, reverts to 21.49% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
0% p.a. for 13 months
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.
11.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 14 months
0% p.a. for 14 months
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Enjoy 0% p.a. interest for up to 18 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
Westpac Low Rate Card
2019 Winner
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months
0% p.a. for 16 months
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers an interest-free purchase promotion, a discounted annual fee of $49 for the first year and complimentary travel insurance.

Compare up to 4 providers

Compare credit cards with no annual fees

Updated December 9th, 2019
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
$0 p.a.
11.99% p.a.
Keep costs low with $0 annual fee and 100% foreign transaction fee rebates. Available when you hold or open an Orange Everyday account.
$0 p.a.
21.99% p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
$0 p.a.
18.99% p.a.
0% p.a. for 12 months
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Offers a 0% p.a. for 12 months balance transfer, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Enjoy 0% p.a. for 12 months on balance transfers, up to 55 days interest-free on purchases and no annual fee for the life of the card.

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. With introductory periods usually ranging from 12 to 24 months, these cards can help you save on interest costs and clear your debt faster.

Updated December 9th, 2019
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount saved
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent and take advantage of a 0% p.a. for 26 month balance transfer offer and a discounted $49 first year annual fee.
0% p.a. for 18 months
13.99% p.a.
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
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 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

Compare up to 4 providers

Three tips for using a credit card this Christmas

Whether you're getting a new card or using one you already have, these tips can help you manage your balance:

  1. Keep track of your balance. It's easy to overspend when you're shopping for presents, food, drinks and everything else at this time of year. Taking a moment to log in to your credit card's mobile or Internet banking app and check the balance can help you stick to your budget.
  2. Plan your repayments. Use the credit card repayment calculator on Finder to work out how much you can afford to pay off the card each month. This will give you a clear goal for paying off your account and can help you reduce interest charges.
  3. Compare other cards. Before you start shopping, check if your credit card has competitive rates, fees and perks compared to other options. This could help you save on interest charges or get extra perks, such as points or refund insurance, as you shop. Meanwhile, if you've spent way more than expected and are being charged interest on your balance after Christmas, you could also look at moving the debt to a credit card that offers 0% p.a. interest on balance transfers to help you save on interest charges.

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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Credit Cards Comparison

Updated December 9th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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 own personal financial circumstances when comparing cards.

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