Managing your Christmas Debt in 2017

Piggy-Bank-at-Christmas

Don't let 12 days of Christmas spending turn into a 12-month debt hangover

A New Year means a fresh start for many, but it's hard to wipe the slate clean with a credit card bill looming. Are you worried about what you spent over the silly season, and how you're going to manage your finances in the New Year? No matter what you spent over the Christmas period, there are ways to manage your debt and get your finances under control. Start the New Year the right way and unlike the mistletoe, don't let your debt hang over your head.

What options do you have to manage your Christmas debt?

There are a few options available to pay down the spending you made over the holiday period. Below we highlight balance transfers with a credit card, or consolidating debt through a personal loan.

Getting rid of interest with a balance transfer credit card

A balance transfer credit card can help you pay off an existing card and even loan debts that have accumulated. You can enjoy interest rates as low as 0% p.a. for a set period of time, helping you to save money while you pay down your debt, or in this case - quite possibly your Christmas debt. These cards allow you to bring over an existing balance from one or more credit or store card accounts for up to 24 months (or longer on some cards). Considering longer periods can translate into more time to pay down your debt while saving on interest.

Balance transfer credit card comparison

Rates last updated August 15th, 2018
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
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.
St.George Vertigo Platinum - Online Offer
0% p.a. for 25 months
12.74% p.a.
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
Citi Clear Platinum - Exclusive Offer
0% p.a. for 24 months with 1.5% balance transfer fee
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
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 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 Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
NAB Low Fee Platinum Card
0% p.a. for 24 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
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.
Citi Simplicity Card
0% p.a. for 15 months with 1.5% balance transfer fee
19.99% p.a.
$0 p.a.
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
NAB Low Fee Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.
HSBC Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
13.25% p.a.
$79 p.a.
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
Citi Rewards Platinum Credit Card
0% p.a. for 26 months with 2.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
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)
Take advantage of 0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points.
St.George Vertigo Visa
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 competitive annual fee.
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.

Compare up to 4 providers

Benefits of balance transfer cards
  • Pay down an existing debt and save money on interest
  • Consolidating multiple credit card accounts and other debts into one can help improve your credit rating
  • Some balance transfer cards offer great features such as rewards programs, low purchase rates and no annual fees

Some things to keep in mind

  • The revert interest rate on these cards tends to be quite high
  • The annual fees can outweigh any cost savings depending on the size of your debt and length of the balance transfer period
  • You will likely lose interest-free days on new purchases because of the balance transfer debt on the card
  • You usually cannot take up your entire credit limit with the balance transfer, typically only 80-95%
Learning more about transferring your existing credit card balances

Personal loans can offer longer terms with even more competitive rates

A debt consolidation loan is another available option. These loans do not offer 0% p.a. periods, but let you pay off your debt at competitive rates over a longer term.

Debt Consolidation Personal Loans Comparison

Rates last updated August 15th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
NAB Personal Loan Unsecured Variable Rate
Headline rate 12.69% (variable)
13.56%
$5,000
1 to 7 years
$10
$150
Based on your risk profile you will receive a tailored rate between 10.69% p.a. and 18.69% p.a. (comparison rates between 11.58% p.a. and 19.53% p.a.)
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
$0
3% (of loan amount)
Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% with a SocietyOne personal loan.
HSBC Personal Loan
From 9.5% (fixed)
10.06%
$5,000
1 to 5 years
$5
$150
A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$5,000
3 to 5 years
$0
$500 (Upfront fee)
Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a.. based on your credit history.
Westpac Unsecured Personal Loan
12.99% (fixed)
14.14%
$4,000
1 to 7 years
$12
$250
A competitive, fixed rate personal loan that allows you to make extra repayments.
ING Personal Loan
8.99% (fixed)
9.13%
$5,000
2 to 5 years
$0
$100
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
Latitude Personal Loan (Unsecured)
From 13.99% (fixed)
15.19%
$3,000
2 to 7 years
$13
$250 (Loans under $4000 - $140)
An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.
NOW FINANCE Personal Loans
From 7.95% (fixed)
9.56%
$5,000
1.5 to 7 years
$13
$395 (Based on $10,000)
Get rewarded with a low interest rate for your good credit history. Rates from 7.95% p.a. to 16.95% p.a. depending on your credit score.
MyState Unsecured Personal Loan
12.99% (variable)
16.42%
$3,000
1 to 7 years
$10
$200
Apply for up to $50,000 and make additional repayments at any time without penalty.

Compare up to 4 providers

Compare debt consolidation loans

If you're still having doubts on how to tackle your debt then read this

Even if you still have doubts it's okay, at least by now you've acknowledged some of the avenues you can take, and it's time to decide what one will work for you. Managing debt will depend a lot on your situational lifestyle, so it may also help to define the following to help you decide:

  1. How much debt do you have?
    If you're looking at a balance transfer credit card, you'll only be able to bring over a certain portion of your new approved credit limit in the balance transfer, a few cards offer 100% of your credit limit, but it's usually between 80-90%. Depending on your creditworthiness, you may not be approved for a very high credit limit to start out. For a personal loan, you'll have to be approved for the sufficient amount you need to pay off all your debts.
  2. What kind of debts are they?
    Are your debts all on one credit card or are they spread across a few credit cards and a personal loan? The kind of debts you hold matter as to whether you should take out a credit card or loan. Most balance transfer credit cards will not let you balance transfer a personal loan, although a select few lenders will allow a balance transfer from a personal loan, so if you want to do this you will need to ensure that it's possible. Also, some cards have limits on the amount of cards you can bring over a balance from.
  3. How long will it take you to repay the debt?
    The length of time it will take you to repay your debt will be a crucial deciding factor in what kind of product you apply for. A balance transfer credit card will revert to a set interest rate, usually the cash advance rate, following the promotional period, so if you aren't able to fully pay back your debt within that period then you may want to consider a different option. See what monthly repayments will be manageable on your budget to find an option that will work for you.

How to avoid Christmas debt: Tips for next year

Being smart about spending and the use of credit cards over Christmas can help you improve your cash flow around the holidays and beyond. Starting the New Year with bad debt can see you get off to a tough start, so it’s crucial to follow the tips below to minimise what you pay over the Christmas period. First we’ll look at some basic ways of saving money over Christmas, then we’ll show you how to compare credit cards for your Christmas spending, and finally we’ll show you some ways to get out of Christmas debt.

What types of Christmas credit cards are available?

There are no credit cards that are specifically designed for Christmas spending. Rather, you can select a credit card that supports the type of spending you're likely to do around Christmas time. The right card for you will depend on how you use your credit card, the amount of spending you plan on doing with it, and the type of benefits and features you want to receive. Take a look below for some types of credit cards that might be beneficial to consider this festive season:

Low Purchase Rate Credit Cards

0% interest rates on purchases are usually offered for a limited time (often a period of six to 12 months). During this time you can make purchases and pay no interest until the promotional period ends. This gives you the ability to make Christmas purchases and then gradually pay them off interest-free. These cards can still have additional features such as rewards programs, complimentary insurance policies and more, so ensure the annual fees aren't too high compared to the value of these perks. Be sure to know what the interest rate becomes after the promotional ends. It can revert to the purchase rate or the cash advance rate.

0% Purchases Credit Cards

Rates last updated August 15th, 2018
$
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Amount Saved
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Up to 44 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
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

Low Purchase Rate Credit Cards

Rates last updated August 15th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
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.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 25 months
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
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.
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.
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 24 months with 1.5% balance transfer fee
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.

Compare up to 4 providers

About 0% Purchase credit cards

No annual fee credit cards

The standout feature of this type of card is, as you can probably guess, the fact that you aren't charged an annual fee. These cards can either charge no annual fee for the life of the card, or have a waived or discounted annual fee for the first year. Either way, there are savings to be had. With these cards, you should keep the following in mind:

  • How long does 'no annual fee' apply? As mentioned above, the no annual fee offer may not apply to the life of the card, or it might only be available to qualifying customers. Check the details of the offer before you apply to see that you're eligible.
  • Does the card offer competitive rates? While a card with no annual fee can help you save, it can also cost you a lot if it has a high interest rate and you carry a balance. Compare the purchase rate, and balance transfer rate if applicable, to see if the card is a competitive all-round option.
  • What other features does the card offer? No annual fee does not mean 'no features', as these cards sometimes come with lucrative features to supplement your credit card spending. No annual fee cards can come linked to rewards programs, offer bonus points, come with complimentary insurance covers and also balance transfer promotions.
Rates last updated August 15th, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
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.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Bendigo Bank Low Rate Platinum Mastercard
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
11.99% p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, a $0 first year annual fee.
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.
HSBC Platinum Credit Card
$129 p.a.
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.

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Information about no annual fee credit cards

Rewards Credit Cards

A rewards card simply rewards you with points for every dollar worth of eligible purchases you make. It allows you to cash in your rewards points for a range of items and other perks such as free flights, fare upgrades and more. Rewards cards offer many incentives to attract new customers, including bonus points, balance transfer offers and 0% or low purchase rate promotions. They typically have a higher annual fee, but can be a good way to get extra value from your Christmas purchases. You need to make sure you have the self control before you sign up for the rewards. If you spend just to get rewards points you will end up spending more than you can afford to pay off, and the interest you pay on your purchases will cancel out any rewards gifts you may have qualified for. Typically you need to spend above $2,000 a month to earn enough rewards to cancel out the costs of a rewards credit card.

Rates last updated August 15th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
Westpac Altitude Platinum Card - Qantas
60,000 bonus points
Qantas Frequent Flyer


0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Amplify Signature - Qantas - Online Offer
90,000 bonus points
Qantas Frequent Flyer


0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Suncorp Bank Rewards Program


1.25
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer


0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Take advantage of 0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points.

Compare up to 4 providers

Retail Rewards Credit Cards

These are credit cards which have certain shopping benefits or rewards programs in place. They're often store branded, by retailers such as Woolworths, Coles or Myer, and can come with interest-free deals on purchases made at these stores. Like a rewards card, from time to time retail credit cards can also offer 0% or low interest rate promotions as well as balance transfer deals.

Rates last updated August 15th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
David Jones American Express
40,000 bonus points
Membership Rewards


1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 40,000 bonus Membership Rewards points or 30,000 Qantas Points. Plus, uncapped points potential.
NAB Rewards Classic Card
30,000 bonus points
NAB Rewards


0.75
19.99% p.a.
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
David Jones American Express Platinum Card
50,000 bonus points
Membership Rewards


1
20.74% p.a.
$295 p.a.
For DJ's shoppers or Qantas travellers, receive 50,000 bonus Membership Rewards points or 37,500 Qantas Points with uncapped points potential.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards


1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $2,500 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
David Jones American Express Platinum Card - Qantas Frequent Flyer
37,500 bonus points
Qantas Frequent Flyer


0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

Compare up to 4 providers

About rewards credit cards

Cards with extended warranty offers

Warranty is a guarantee that the product you're buying won't break — and if it does, you'll be able to get a replacement, or at least have it fixed. Credit cards that offer extended warranties essentially extend this guarantee, so you'll be able to enjoy the warranty, and your purchased product, for a longer period of time. So, how does extended warranty work on credit cards?

  • Making your purchase. You need to make the purchase on your credit card, and your credit card needs to offer extended warranty.
  • Claiming your warranty. Proof of your purchase will need to be kept in order to take advantage of the extended warranty offer.
  • Types of purchases covered. Only Australian purchases that offer an expressed Australian warranty will be covered.
  • Limits. You will usually have a limit on the amount you are able to claim within a certain period, usually one year.
  • Maximum time of warranty extension. Credit cards that offer this feature usually only extend the warranty for a maximum period of five years. Be sure to check the terms that your credit card offers.

Compare cards that come with extended warranty

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How do I prepare my finances for Christmas?

The health of your finances will determine how generous Santa will be with your family and friends this year, and which special trimmings make it to the dinner table. If you want it all, follow the tips below. Preparing for Christmas is one thing, but sticking to your budget is tough when the Christmas sales and advertising is in full swing. Here's what you can do to avoid needless overspending over the holiday season.

  • Don't spend too long at the stores while you're shopping as you are more likely to buy something you don't need
  • Shop online and get the cheapest prices you can. Be mindful of credit card surcharges or foreign transaction fees if purchasing from an overseas retailer
  • Remain aware of your credit card balance at all times
  • Have a credit card repayment plan and always aim to pay off your balance in full each month
  • Start buying early so that you don't incur all the costs in December and so you can take advantage of sales when they come
  • Find activities to share which cost no money like a trip to the beach, a BBQ in the park, bushwalking or a picnic, as they will all help keep that budget under control

The ultimate Christmas Gifts Guide

What kind of credit card use should I avoid over Christmas?

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How do I manage my Christmas credit card purchases?

Keep track of your repayments. When you miss a repayment or regularly make your repayments late, you are travelling down the slippery slope to uncontrollable Christmas credit card debt. Missed repayments have a snowball effect, because when you miss a repayment you are charged a late fee and the late fee is added to your balance. Your balance then increases, interest is charged on your balance including your fees so your interest charges increase and you need to pay more each month just to beat the compounding interest, let alone repay your principal balance.

The golden rules to managing your Christmas purchases

Enjoy the holiday season

A little planning can go a long way when it comes to Christmas spending. Put a plan in place, and if you need a Christmas credit card make sure you consider all options in your comparison. This way you can enjoy, rather than worry about the holiday season. About Shopping and Holiday Spending

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Read more on this topic

Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

49*

*$99 p.a. after first year

Westpac Low Rate Card

Interest rate

13.49

Annual fee

0*

*$59 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$150 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

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Credit Cards Comparison

Rates last updated August 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$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.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$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.

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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