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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 25th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months
19.74% p.a.
$90 p.a.
Until 1 October 2017, exclusive to finder.com.au, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Offers a long-term balance transfer. Earn extra points on eligible international spend, plus complimentary travel insurance.

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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 25th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
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 on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.

Compare up to 4 providers

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 25th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive a low annual fee and the ability to make contactless payments with Visa payWave technology.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee. Plus, use of the Westpac mobile banking app.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.

Compare up to 4 providers

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 September 25th, 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
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
NAB Choice Package Home Loan - 2 Year Fixed (Owner Occupier P&I) First Home Buyer Special
A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.69% 4.86% $0 $395 p.a. 90% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate Value Offer (Owner Occupier P&I)
Combine a low variable interest rate and free redraw with no application or ongoing fees.
3.74% 3.74% $0 $0 p.a. 80% 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 September 25th, 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
Mortgage House Advantage Variable Home Loan - 80 (PAYG Special No Offset)
A home loan with a competitive variable rate, limited fees and plenty of flexibility.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
UBank UHomeLoan Variable Rate - Standard Variable Rate Value Offer (Owner Occupier P&I)
Combine a low variable interest rate and free redraw with no application or ongoing fees.
3.74% 3.74% $0 $0 p.a. 80% 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 September 25th, 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
3.74% 4.96% $0 $0 p.a. 95% Go to site More info
NAB Choice Package Home Loan - 3 Year Fixed (Owner Occupier P&I)
If a 3 year option suits you then you may like to consider NAB's packaged loan with no application fee.
3.94% 4.84% $0 $395 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 September 25th, 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
loans.com.au Essentials - Variable (Owner Occupier, P&I)
A basic home loan with a competitive rate and low fees.
3.64% 3.66% $0 $0 p.a. 80% Go to site More info
Reduce Home Loans Rate Buster 100% Offset Variable Home Loan - Up to $750k (LVR <=80%)
Borrow up to 80% LVR with no ongoing fees and a 100% offset account.
3.54% 3.54% $440 $0 p.a. 80% Enquire now More info
UBank UHomeLoan Variable Rate - Standard Variable Rate Value Offer (Owner Occupier P&I)
Combine a low variable interest rate and free redraw with no application or ongoing fees.
3.74% 3.74% $0 $0 p.a. 80% 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 September 25th, 2017
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
Bankwest Hero Saver
Ongoing, variable 2.60% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
2.60% 0.01% 2.59% $0 $0 / $0 Go to site More
ME Online Savings Account
Ongoing, variable 2.95% 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.
2.95% 1.30% 1.65% $0 $0 / $0 Go to site More
AMP Bett3r Save Account
A unique three account bundle linking individual Pay, Spend and Save accounts.
3.00% 1.50% 1.50% $0 $0 / $0 Go to site 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 September 25th, 2017
$
Name Product 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 $250,000
-
-
3.00%
-
-
-
-
-
$250,000
Citibank Term Deposit $75,000
-
-
2.80%
-
-
-
-
-
$75,000
St.George Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000
Bankwest Online Term Deposit
2.35%
1.50%
2.50%
2.55%
2.60%
2.60%
2.65%
2.65%
$1,000
BankSA Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000
Westpac Term Deposit
2.05%
1.85%
2.10%
2.35%
2.40%
2.50%
2.60%
2.85%
$5,000
Bank of Melbourne Term Deposit
2.10%
1.85%
2.20%
2.55%
2.60%
2.60%
2.70%
2.95%
$1,000

Compare up to 4 providers

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 25th, 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 Go to site More
HSBC Day to Day Transaction Account
Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.
0.00% 0.00% 0.00% $0 $0 / $0 Go to site More
Westpac Choice
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get Cash without your debit card (conditions apply).
0.00% 0.00% $5 $0 / $0 Go to site 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 September 25th, 2017
$
$
months
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ME Online Savings Account
Ongoing, variable 2.95% 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.
2.95% 1.30% 1.65% $0 $0 / $0 Go to site More
Westpac eSaver
Introductory rate of 2.51% p.a. for 5 months, reverting to a rate of 1.00% p.a. Available on the entire balance.
2.51% 1.00% 1.51% $0 $0 / $0 Go to site More
HSBC Serious Saver
Introductory rate of 3.00% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $1,000,000.
3.00% 1.60% 1.40% $0 $0 / $0 Go to site 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.

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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.

ProviderProduct DetailsApply
insure and go logoCover for as little as $27 a month and unlimited medical cover on all overseas policies.Free QuoteLearn More
1 cover logoPolicies 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 September 25th, 2017
Available Currencies ATM Withdrawal Fee Reload Fee Initial Load Fee
NAB Traveller Card
NAB Traveller Card
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD

Overseas: $0 per withdrawal via international ATMs

Domestic: $3.75 fee applies

$0 $0 Go to site More
ANZ Travel Card
ANZ Travel Card
AUD, CAD, EUR, GBP, HKD, JPY, NZD, SGD, THB, USD AUD 3.50, USD 2.50, GBP 2.00, EUR 2.20, NZD 4.50, CAD 3.00, HKD 20.00, SGD 4.00, THB 95, JPY 260 1.1% $0 Go to site More
Qantas Cash
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

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 25th, 2017
Name Product Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
The greater of 2% or $4
$0 p.a.
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
ANZ Rewards Travel Adventures card
0% of transaction value
$0
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
28 Degrees Platinum Mastercard
0% of transaction value
$0
3% of the cash advance or $4 (whichever is greater)
$0 p.a.
Designed for travel, benefit from no international transaction fees on purchases and no currency conversion fees.
Bankwest Breeze Platinum Mastercard
0% of transaction value
$0
Greater of 2% or $4.00
$99 p.a.
Offers an introductory balance transfer rate of 0% p.a. for 13 months with a 2% BT fee, plus platinum perks.
Bankwest More Platinum Mastercard
0% of transaction value
$5
2% or $4, whichever is greater
$160 p.a.
No fees on overseas ATM withdrawal, no foreign transaction fees and earn 75,000 bonus More rewards points.

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 25th, 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.
Mastercard $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 September 25th, 2017
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
Citi Personal Loan Plus
Borrow up to $75,000 to use for a range of purposes. Competitive rate of 9.99% p.a. available to all approved applicants.
From 9.99% (variable) 10.95% $5,000 3 to 5 years $199 Go to site More
NOW FINANCE Personal Loans
Get rewarded with a low interest rate for your good credit history. Rates from 8.95% p.a. to 16.95% p.a. depending on your credit score.
From 8.95% (fixed) 10.42% $4,000 1.5 to 7 years $395 (Based on $10,000) Go to site More
RateSetter Personal Loan
RateSetter offers personalised interest rates ranging from 3.7% p.a. to 9.6%.p.a. determined by your risk profile.
From 8.66% (fixed) 9.17% $2,001 0.5 to 5 years $0 (Upfront fee $250 for loan terms of 2 years and above) 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 September 25th, 2017
$
Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Repayment
IMB New Car Loan
Borrow up to $75,000 for a new car up to two years old. Competitive 5.99% p.a. rate available to all approved applicants.
From 5.99% (fixed) 6.34% $2,000 1 to 7 years $250 Go to site More
Latitude Personal Loan (Secured)
Can be used for whatever purpose: renovating, buying a car, booking a holiday. Funds can be in your account in as little as 24 hours.
From 12.99% (fixed) 14.2% $3,000 2 to 7 years $250 (Loans under $4000 - $140) Go to site More
Bank of Melbourne Secured Car Loan
A low rate personal loan from Bank of Melbourne with variable or fixed option.
From 8.49% (fixed) 9.6% $3,000 1 to 5 years $195 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 September 25th, 2017
Max. Loan Amount Term of Loan Turnaround Time Costs
Sunshine Short Term Loans Sunshine Short Term Loans $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 Nimble Short Term Loan $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
Ferratum Cash Loans Ferratum Cash Loans $1,900 up to 6 months Same Day if approved 20% of borrowed amount + 4% of borrowed amount each month Go to site More
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