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finder.com.au popular products

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.

Rates last updated September 21st, 2019
$
% p.a.

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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
0% p.a. for 18 months
20.74% p.a.
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.

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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.

Rates last updated September 21st, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Qantas Premier Platinum
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
70,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 70,000 bonus Velocity Points (20,000 points when you spend $1,500/month in the first 3 months plus 10,000 points after the first anniversary).
ANZ Frequent Flyer Black
100,000 bonus points
Qantas Frequent Flyer
1
20.24% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points & $200 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.

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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.

Rates last updated September 21st, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
Latitude Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
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.

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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.

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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.

finder.com.au exclusive home loan offers

Here at finder.com.au we’re able to secure exclusive home loan offers for our readers which you may wish to add to your comparison. These loans may have better interest rates, cash backs, or waived fees and are only available here. Look at the table below for more information about these current offers.

Updated September 21st, 2019
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% p. a.
Purchase a new car with this loan and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
From 6.99% (fixed)
7.7%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.99% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
From 6.99% (fixed)
7.7%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.99% p.a.
Finance a new or used motorcycle with a loan from $5,000. No monthly fees and flexible repayments available.
From 5.69% (fixed)
6.39%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 5.69% p.a.
Finance a new or used caravan with a loan from $5,000. No monthly fees and flexible repayments available.
From 6.99% (fixed)
7.55%
$5,000
1 to 7 years
$499
$0
You'll receive a fixed rate from 6.99% p.a.
Finance a new or used boat with a loan from $5,000. No monthly fees and flexible repayments available.

Compare up to 4 providers

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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.

Rates last updated September 21st, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
UBank USaver
2019 Winner
UBank USaver
2.41%
1.35%
1.06%
$0
$0 / $0
Ongoing, variable 2.41% p.a. when you link your USaver account to a UBank Ultra transaction account and transfer at least $200 per month into either account. The linked transaction account has no monthly fees and no international fees. Bonus interest available on balances up to $200,000.
Rabobank Online Savings High Interest Savings Account
2.75%
1.30%
1.45%
$0
$0 / $0
Maximum variable rate of 2.75% p.a. for 4 months, reverting to a rate of 1.30% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
AMP Saver Account
2.61%
1.65%
0.96%
$0
$0 / $0
Introductory rate of 2.61% p.a. for 4 months, reverting to a rate of 1.65% p.a. The bonus rate offer is for new AMP Saver customers only, and applies to the first $250,000 deposited.

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Term deposits

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.

Rates last updated September 21st, 2019
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a. Interest Earned
UBank Term Deposit Account
1.80%
1.80%
1.80%
-
1.70%
-

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Transaction accounts

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.

Rates last updated September 21st, 2019
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
ING Orange Everyday Account
Visa
$0
$0
No fees for any ATM in Australia or overseas.
$0 monthly account fees.
Enjoy $0 ATM withdrawal fees when you deposit $1000 and make 5+ card purchases per month. Get a competitive ongoing variable rate when linked with the ING Savings Maximiser.
Westpac Choice
Mastercard
$0
$2,000
Special offer: $50 cash bonus for new customers (T&Cs apply).
$5 account fee waived each month the deposit condition is met.
Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. Access more than 50,000 ATMs globally for free via the Global ATM Alliance.
St.George Complete Freedom Account
Visa
$0
$2,000
Special offer: $40 cash bonus for new customers who open an account online (T&Cs apply).
$5 account fee waived each month the deposit condition is met.
Monthly account fee waived if you deposit at least $2,000 a month. No account fees for students and customers under 21.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Citibank Plus Everyday Account
Mastercard
$0
$0
Free international money transfers and free overseas Citibank ATM withdrawals.

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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.

Rates last updated September 21st, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
Rabobank Online Savings High Interest Savings Account
2.75%
1.30%
1.45%
$0
$0 / $0
Maximum variable rate of 2.75% p.a. for 4 months, reverting to a rate of 1.30% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
ME Online Savings Account
2.35%
0.80%
1.55%
$0
$0 / $0
Ongoing, variable 2.35% p.a. rate when you link to a ME Everyday Transaction account and have at least one purchase with your Debit Mastercard using tap & go processed each week. Available on balances up to $250,000.
HSBC Flexi Saver Account
2.15%
0.65%
1.50%
$0
$0 / $0
Ongoing, variable 2.15% p.a. when you grow your balance by $300+ per month. Earn bonus interest even if you make withdrawals during the month. Available on balances up to $5,000,000.
Bankwest Hero Saver
2.10%
0.01%
2.09%
$0
$0 / $0
Ongoing, variable 2.10% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.

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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.

It looks like we don't have any coupons at the moment. Take a look at our most recent deals

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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.

Make an enquiry with an insurance consultant

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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.

Provider Product Details Apply
insure and go logo Cover for as little as $27 a month and unlimited medical cover on all overseas policies. Get quote
1 cover logo Policies with free child cover and a 5% premium discount when you sign up through finder.com.au. Get quote
Save 10% on cover for a limited time only. Get quote
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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.

Updated September 21st, 2019
Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
AUD, USD, EUR, GBP, NZD
EUR €0, GBP £0, AUD $0, USD $0, NZD $0
$0
$0
AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, AED
AUD $1.95, CAD $2.00, EUR €1.50, GBP £1.25, HKD $15.00, JPY ¥160, NZD $2.50, SGD $2.50, USD $1.95, THB ฿70.00, AED 6.50
$0
$0
Load and lock in rates for up to 10 major international currencies on your card. Earn Qantas Points on all eligible purchases in Australia and overseas.
AUD, USD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB

Overseas: $0

Domestic: 2.95% of the amount withdrawn

1.1% of initial load value or $15, whichever is greater
1.1% of transaction value or $15, whichever is greater
Lock in exchange rates for up to 10 currencies, pay no overseas ATM fees and get exclusive merchant offers.

Compare up to 4 providers

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.

Rates last updated September 21st, 2019
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Latitude 28° Global 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.
ANZ Rewards Travel Adventures card
0% of transaction value
$0
$225 p.a.
Receive 75,000 bonus Velocity Points, a complimentary flight and 2 Virgin lounge passes per year. Plus, 0% foreign transaction fees.

Compare up to 4 providers

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.

Rates last updated September 21st, 2019
$
Name Product Product Description Debit Card Access ATM Withdrawal Fee Monthly Account Fee Overseas ATM Withdrawal Fee Overseas Eftpos Fee
HSBC Everyday Global Account
Special offer: $100 bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases under $100.
Enjoy no foreign ATM or transaction fees and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available. T&C's apply to $100 bonus and 2% cashback offers.
Visa
$0
$0
$0
ING Orange Everyday Account
Receive a rebate on any international transaction fees and international ATM fees when you deposit at least $1,000 a month and make at least 5 card purchases.
Visa
$0
$2.50
2.5%
Westpac Choice
Take advantage of Westpac's Global Alliance and save on overseas ATM fees at over 50,000 locations worldwide with fee-free cash withdrawals.
Mastercard
$0
$5
3%
Citi Global Currency Account
Hold up to 10 currencies.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free. Earn up to 1.75% p.a. interest on your AUD balance.
Mastercard
$0
$0
$0

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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.

Personal loans

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.

Updated September 21st, 2019
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
From 7.81% (variable)
9.84%
$2,001
6 months to 5 years
$299 (from $299 based on $10,000)
$0
You'll receive a variable rate between 7.81% p.a. and 16.4% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
12.45% (fixed)
13.32%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate of 12.45% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.
From 8.99% (variable)
9.67%
$5,000
3 to 5 years
$0 ($199 establishment fee waived)
$10
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.67% p.a. to 18.6% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: The establishment fee will be waived if you apply before 30 September 2019.

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Car loans

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.

Updated September 21st, 2019
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
5.49% (fixed)
5.84%
$2,000
1 to 7 years
$250
$0
You'll receive a fixed rate of 5.49% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.
5.69% (fixed)
5.97%
$25,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 5.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
6.99% (fixed)
8.1%
$5,000
1 to 7 years
$295
$10
You'll receive a fixed rate of 6.99% p.a.
Finance a new or used car up with loans from $5,000 and benefit from flexible repayments.

Compare up to 4 providers

Payday loans

Payday loans are short-term loans which can be used for a range of purposes. Many payday loans are available for those with bad credit, although they do come with much higher fees and interest rates when compared to regular loans and credit cards. Payday loans are in most cases limited to smaller amounts than personal loans.

Updated September 21st, 2019
Name Product Maximum Loan Amount Term of Loan Turnaround time Arrears Fee Costs Fortnightly Repayment (for $1500 Loan)
$2,000
62 days to 9 months
1 hour - conditions apply
$15
10% of loan amount + 2% of loan amount each month
$348
Finder Exclusive: 50% discount on the establishment fee (now 10% of the loan amount) and monthly fee (now 2% of the loan amount)
A loan up to $2,000 with terms up to 62 days to 9 months. Centrelink cannot be your primary source of income.
$2,000
9-12 weeks
30 minutes - conditions apply
$35
20% of loan amount + 4% of loan amount each month
$396
A small loan up to $2,000 that you repay over 9-12 weeks. Loans approved and funded in as little as 30 minutes. Centrelink must not be your primary income
$2,000
Up to 2 years
3 hours - conditions apply
$10
47.8%
$316.70
Apply for up to $2,000 and be able to access your approved loan as a convenient line of credit.

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