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How to save money on your credit card

Maximise your credit card's potential with our comprehensive guides, videos and tools.


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Whether you're looking to pay down existing credit card debt, save on interest charges or learn how to make the most of your credit card's money-saving features, we've got the information you'll need.

Low-cost credit card guides

Balance transfer reviews

0% balance transfers
Balance transfer offers can help you consolidate existing card debt.

Low rate reviews

Low rate
You can carry a balance while saving on interest costs.

Low fee reviews

Low fee
Get access to credit with minimal or no annual fees.

Five money-saving credit card tips

  1. If you have more than one card, make payments towards your highest-interest balance first.
  2. Close and cut up any credit cards you're not using to reduce your temptation to spend.
  3. Consider transferring your existing debt to a 0% balance transfer card to save on interest.
  4. Forget about rewards and frequent flyer points until you can pay your balance in full every month.
  5. Don't be loyal to your bank because there may be better deals elsewhere on the market.

Video guides

Balance transfer cards explained in one minute

How do low interest rate credit cards work?

How do you choose the best credit card for you?

Three money-saving credit card types

  • Balance transfers. For paying off an existing credit card debt. A balance transfer offers you a low or 0% interest rate on any transferred balance for an introductory period (usually 6-18 months). If used as intended, this allows you to move your existing credit card debt onto a new card and pay it off without interest charges.
  • Low rate. For financing purchases without paying exorbitant interest. Low-rate credit cards charge a relatively low interest rate (8.99-13.99% p.a.) compared to other cards. These allow you to carry a balance from month to month, partially paying off purchases over time.
  • Low fee. For low-cost access to credit. Low-fee credit cards give you access to credit with low or no annual fee. They often come with a relatively high rate of interest, but if you pay off the balance every month, it could enable you to have a credit card that costs you nothing to own.

Top credit card offers

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The Coles No Annual Fee Mastercard charges $0 annual fee for life. You can also save with a 0% p.a. interest rate on both purchases and balance transfers for the first 12 months when you apply through Finder by 29 October 2020.

Credit card repayment and interest calculator

Use the calculator below to determine how long it will take you to pay off your balance based on how much you're currently paying. Alternatively, you can calculate how much you'd need to pay each month to meet your financial goals.

* Disclaimer: While every effort has been made to ensure the accuracy of this calculator, the results should be used as a guide only. They are neither an offer nor a pre-approval for a credit card.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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