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Rates and Fees verified correct on February 27th, 2017

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 February 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

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 February 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
A balance transfer offer of 0% p.a. for 18 months. Earn 2 bonus Velocity Points in the first 3 months plus receive a free Virgin Australia $129 Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

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 February 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 12 months and 0% p.a. for up to 6 months on purchases.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Go to site More info

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.

Rates last updated February 27th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.75% 3.77% $0 $0 p.a. 90% Go to site More info
ING  DIRECT Orange Advantage Loan - $150,000+ (LVR <= 80% Owner Occupier)
A fully featured home loan with an offset account and discounts available.
3.89% 4.11% $0 $199 p.a. 80% Go to site More info
CUA Fresh Start Basic Variable Home Loan - Owner Occupier
A basic mortgage with flexible repayments options.
3.89% 3.94% $600 $0 p.a. 90% Go to site More info

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.

Rates last updated February 27th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.75% 3.77% $0 $0 p.a. 90% Go to site More info
CUA Fresh Start Basic Variable Home Loan - Owner Occupier
A basic mortgage with flexible repayments options.
3.89% 3.94% $600 $0 p.a. 90% Go to site More info
IMB Budget Home Loan - LVR <=90% (Owner Occupier)
A competitive budget rate without any unwanted bells and whistles.
3.87% 3.92% $445 $0 p.a. 90% Go to site More info

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.

Rates last updated February 27th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
4.49% 4.95% $0 $0 p.a. 95% Go to site More info

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.

Rates last updated February 27th, 2017
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy the low variable rate with $0 ongoing fee and borrow up to 90% LVR.
3.75% 3.77% $0 $0 p.a. 90% Go to site More info
Newcastle Permanent Building Society Premium Plus Package Home Loan - New Customer Offer ($150,000+ Owner Occupier)
Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.
3.84% 4.22% $0 $395 p.a. 95% Go to site More info
IMB Budget Home Loan - LVR <=90% (Owner Occupier)
A competitive budget rate without any unwanted bells and whistles.
3.87% 3.92% $445 $0 p.a. 90% Go to site More info
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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 February 27th, 2017
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ING DIRECT Savings Maximiser
Ongoing, variable 3.00% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month. Available on balances up to $100,000.
3.00% 1.60% 1.40% $0 $0 / $0 Open More
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.65% 0.01% 2.64% $0 $0 / $0 Open More
Bank Australia Bonus Saver Account
Ongoing, variable 2.60% p.a. when you deposit at least $100 and make no withdrawals. Available on the entire balance.
2.60% 0.15% 2.45% $0 $0 / $1 Open More

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 February 27th, 2017
$
3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. 48 Mths p.a. 60 Mths p.a. Min Deposit Interest Earned
Citibank Term Deposit ($75,000)
Citibank Term Deposit ($75,000)
2.50% 2.50% 2.80% 2.35% 2.35% 2.35% 2.35% 2.35% $75,000 Open More
Bankwest Online Term Deposit
Bankwest Online Term Deposit
2.45% 2.20% 2.65% 2.70% 2.60% 2.60% 2.65% 2.65% $1,000 Open More
St.George Term Deposit
St.George Term Deposit
2.10% 2.00% 2.20% 2.55% 2.60% 3.20% 2.80% 2.95% $1,000 Open More

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 February 27th, 2017
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
NAB Classic Banking
$0 monthly account fees.
Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone.
0.01% 0.01% 0.00% $0 $0 / $0 Open More
ING DIRECT Orange Everyday Account
$75 cash bonus + Apple Pay available
Get a competitive ongoing variable rate when linked with a Savings Maximiser.
0.00% $0 $0 / $0 Open More
ANZ Access Advantage
Apple Pay, Android Pay and ANZ Mobile Pay. Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
0.02% 0.02% 0.00% $5 $100,000 / $0 Open More

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 February 27th, 2017
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ING DIRECT Savings Maximiser
Ongoing, variable 3.00% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month. Available on balances up to $100,000.
3.00% 1.60% 1.40% $0 $0 / $0 Open More
ME Online Savings Account
Ongoing, variable 3.05% p.a. rate when you link to a ME Everyday Transaction account and make a weekly purchase with your Debit MasterCard using tap & go. Available on balances up to $250,000.
3.05% 1.30% 1.75% $0 $0 / $0 Open More
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.65% 0.01% 2.64% $0 $0 / $0 Open More
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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.

Topman - Up to 70% off sale with new lines added

Get up to 70% off Topman items with new lines added. Free standard international shipping for any order over £100.

Hotels.com - Save up to 40%

Hotels.com - Save up to 40%
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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 providers, 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.

ProviderProduct DetailsApply
Cover for as little as $27 a month and unlimited medical cover on all overseas policies.Free QuoteLearn More
Policies with free child cover and a 5% premium discount when you sign up through finder.com.au.Free QuoteLearn More
Save 10% on cover for a limited time only.Free QuoteLearn More
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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.

Rates last updated February 27th, 2017
Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
ANZ Travel Card
ANZ Travel Card
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD, AUD 3.50, CAD 3.00, EUR 2.20, GBP 2.00, HKD 20.00, JPY 260, NZD 4.50, SGD 4.00, THB 95, USD 2.50 1.1% of the value purchased $0 Go to site More
Qantas Card with Qantas Cash
Qantas Card with Qantas Cash
AUD, AED, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD 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 Go to site More
Travelex Travel Card
Travelex Travel Card
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD Travelex does not charge an ATM withdrawal fee when you use your Travelex Multi-currency Cash Passport to withdraw currencies that are loaded on the card at overseas ATMs where MasterCard is accepted. The greater of 1.1% of the initial load / reload amount or AU$15.00 $0 Go to site More

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 February 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bankwest Zero Platinum MasterCard
$0 foreign transaction fees, no annual fee, and a range of complimentary insurance policies.
17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info

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 February 27th, 2017
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Citibank Plus Everyday Account
Free international money transfers and free overseas Citibank ATM withdrawals.
Visa $0 $0 No ATM fees using Citibank, Westpac, BankSA and St.George branded ATMs in Australia. Use overseas Citibank ATMs for free. More
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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.

Rates last updated February 27th, 2017
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
HSBC Personal Loan
A competitive fixed interest rate loan with the option to make extra repayments. Min. income $30,000
From 9.5% (fixed) 10.06% $5,000 1 to 5 years $150 Go to site More
NAB Personal Loan Unsecured Variable Rate
An unsecured loan with a redraw facility that allows you to access money you've paid in advance.
From 14.69% (variable) 15.55% $5,000 1 to 7 years $150 Go to site More
Latitude Personal Loans (Unsecured)
An unsecured loan designed for multiple purposes – renovating, buying a car or travelling. Funds can be in your count in as little as 24 hours.
From 13.99% (fixed) 15.2% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More

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.

Rates last updated February 27th, 2017
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
IMB New Car Loan
This fixed rate new car loans up to 2 years old features no early repayment penalties
From 5.99% (fixed) 6.34% $2,000 1 to 7 years $250 Go to site More
CUA Fixed Rate Car Loan
A competitive car loan that offers flexible repayment options and no account keeping fees.
From 6.79% (fixed) 6.92% $15,000 1 to 7 years $0 Go to site More
RACV Car Loans
Enjoy this fixed rate new car loan offer from RACV. No ongoing fees.
From 6.2% (fixed) 6.73% $15,000 1 to 7 years $378 Go to site More

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.

Rates last updated February 27th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Total Cost of Borrowing $100
Sunshine Short Term Loans
Apply online with Sunshine Loans and you could borrow up to $2,000 paid directly into your account. Family Business since 1999.
$2,000 9 weeks 30 Minutes - conditions apply 20% of loan amount + 4% of loan amount each month Go to site More
Nimble Short Term Loan
Apply for a short term loan and you could borrow up to $2,000
$2,000 62 days to 1 year 1 hour - conditions apply* 20% of loan amount + 4% of loan amount each month Go to site More
Cash Train Loans
Apply for a Cash Train loan and get up to $2,000 sent straight to your bank account. Fast online application
$2,000 10 weeks or 3 months 1 Business Day 20% of loan principal + 4% monthly charge Go to site More
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