Compare popular products available on finder.com.au
Growing to become Australia's largest comparison network means that finder.com.au is in an excellent position to show our visitors the most popular options across a range of different personal finance and shopping products. After years of comparing different products and putting together comprehensive reviews for customers, finder.com.au's team are able to use their excellent product knowledge to hunt out the most competitive options and showcase them to our ever-growing user-base. This combined with feedback from actual customers and different providers has helped us select what we believe to be some of the top deals on market.
This guide (which is regularly updated) will list the top products across our biggest niches. It is worth noting that every customers situation is different and just because these products have been selected does by not mean that they are necessarily the right option for you. You should always consider your own requirements and read through the different product features to help you make an informed decision.
Top credit card products on finder.com.au
Credit cards are a basic spending tool for many Australians and can be useful in times of travel or emergency.
Balance transfer credit cards
A balance transfer credit card offers you the ability to bring over your existing credit card balance and receive a lower interest rate—sometimes 0%—for a certain number of months. Being charged a lower interest rate means you can make more progress paying your balance off and pay less in the long run.
Frequent flyer credit cards
These cards are linked to the various frequent flyer programs available including the Virgin Velocity and Qantas Frequent Flyer programs. They give cardholders the opportunity to earn frequent flyer points for every dollar they spend on everyday purchases and in some cases bills. They also come with a range of benefits such as complimentary insurance policies, bonus points on sign up and more.
Low rate credit cards
Credit cards have two interest rates. The purchase rate is charged on transactions such as purchases and payments and the cash rate is charged when you use your credit card to withdraw cash from ATMs or transactions like buying foreign cash or using your card to gamble. Low rate credit cards have lower purchase rates and in some cases, lower cash rates. This means you pay less interest on your credit card transactions.
finder.com.au exclusive credit card offers
Here at finder.com.au we’re able to secure exclusive credit card offers for our readers which you may wish to add to your comparison. These cards may have better interest rates, cash backs, or waived annual fees and are only available here. Look at the table below for more information about these current offers.Back to top
Top home loan products on finder.com.au
First home buyer loans
If you’re entering the market for the first time, you don’t want an overcomplicated home loan. Many first home buyer loans have lower interest rates for the first year of the loan term, to help first home buyers cope with the first year of home ownership—a time period which is usually also the most expensive. These types of loans can also come with features such as offset accounts and redraw facilities.
Variable rate loans
Variable rate loans make up a large portion of home loans in Australia. A variable rate fluctuates in line with the official cash rate set by the Reserve Bank of Australia, meaning over the course of a year it could move up or down several times. Variable rate home loans can come with many different features, including offset accounts, redraw facilities or repayment holidays. They can even be packaged with other products such as credit cards and bank accounts.
Fixed rate home loans
A fixed rate home loan doesn’t fluctuate like a variable rate home loan does. Once you lock in a fixed rate, your repayments won’t change until the fixed rate period ends. This means you can budget accurately. Some fixed rate loans offer you the ability to make additional repayments, although these might be capped to a certain amount per year.Back to top
Top savings accounts products
Bank accounts are the most basic financial products an Australian will have. Having a good transaction account gives you the flexibility to pay for the purchases and services the way you want and gives you a secure way to send money to others. High interest savings accounts and term deposits are a great way to save for the important things in life.
High interest savings accounts
High interest savings accounts are generally online accounts which earn you interest each month. These can come with a range of conditions—some require you to make no withdrawals each month to continue earning interest, while others may require you to deposit a certain amount into the account. Some may even require both. High interest savings accounts are a great way to reach goals such as owning a home, travelling or buying other necessities such as a car.
Term deposits are another easy way to invest. With one of these accounts you can lock your money away for an agreed period of time. During this time you earn interest and won’t be tempted to withdraw the money before the term is over because you’ll receive a lower interest rate or pay fees if you do.
Transaction accounts are held by almost every Australian. They usually come with a debit card, so you can use your money in the same places a credit card is accepted. Some transaction accounts have other features too, such as rewards programs, interest earning abilities, complimentary insurance policies and fee free ATM withdrawals in Australia or overseas.
finder.com.au exclusive bank account offers
From time to time we also secure exclusive bank account deals. These may mean you get a more competitive offer, cheaper or waived fees or other bonus incentives.
Top shopping deals
finder.com.au provides a huge range of coupon codes and up-to-date information about promotions for a large and diverse range of online stores. Using these codes comes with two major benefits.
The first is that you’ll obviously save money, or get more for your money using these codes and promotions. Retailers regularly release promotion codes for shoppers to use, although these can be difficult to find. We’ve assembled all of the codes for you in one place to make it easier for you.
The second benefit is that buying from these online retailers can occur whenever you have a spare moment and doesn’t require any special effort on your part. You don’t have to travel to the shop itself or organise to pick up the item, it’ll be sent to you.
The brands we cover include ASOS, The Iconic, Rebel, Topman, Amazon, Apple, The Book Depository and many more.
From time to time these codes will be unique to finder.com.au only, so be sure to regularly check back.Back to top
Top life insurance products
Finding and applying for life insurance can seem complicated - but it doesn’t have to be. finder.com.au works through a team of expert insurance consultants that help our customers find an appropriate insurance option for their need at a competitive rate. The team of insurance consultants can provide quotes on products from 12 of Australia’s leading insurance providers;
An insurance consultant will assess your situation to help you find a good cover option for your needs and find premium discounts. Applicants are currently entitled to a 20% premium discount when they apply through finder.com.au.Back to top
Top travel insurance products
If you're gearing up for your next overseas adventure, it is critical that you take the time to compare different travel insurance options to ensure you have adequate cover in place for unforeseen events. finder.com.au has access to a range of different travel insurance brands, each with a variety of policies tailored to meet the different needs of travellers. Cover can be taken out for international or domestic trips and as single or multi-trip cover.Back to top
Top travel money products
There are literally hundreds of different travel money options to choose from when gearing up for your next overseas adventure. Finding a suitable option for your trip requires an assessment of a number of factors including destination, length of travel, budget and spending habits. Travellers have a number of different of travel money options to choose from. These include prepaid travel cards, credit cards, debit cards and travellers cheques.
Top prepaid travel cards for travel
Prepaid travel cards offer great security through pin protection and the provision of a backup card with unique serial number and pin. In the event that a card is lost or stolen, both cards can be locked. A cross currency conversion fee is usually applied.
Top credit cards for travel
Credit cards provide a number of benefits for travel overseas including chip and pin protection and anti-fraud liability agreements. Credit cards can also be blocked in the event that they are lost or stolen.
Debit cards for travel
Debit cards feature many of the same benefits as prepaid travel cards including pin-protection and zero-liability agreements. Debit cards can also be blocked if lost or stolen.
Top personal loans
Some larger purchases shouldn’t necessarily be paid for using a credit card. Cars, boats, home improvements and holidays can fit into this category. Personal loans are a useful alternative to buying these items. They generally have a lower interest rate and features which help borrowers pay off their balance.
A personal loan is a general loan which can be used to finance a range of things, from home improvements to holidays and anything else you can imagine. Personal loans are generally secured, although some can be secured to an asset. Personal loans can have fixed or variable rates and offer the ability to make additional repayments and use redraw facilities.
As the name suggests, these are personal loans designed for the purchase of a car or other motor vehicle. In many cases, these loans are secured to the car itself, meaning if you default on the loan, the lender can sell it to recoup their losses. This decreases the risk you present as a borrower and therefore you usually get a lower rate compared to other personal loans.