*Best Credit Card Deals

Information verified correct on September 27th, 2016
credit card deals

Get informed when it comes to credit card offers. Read this page regularly to find out what’s new and available.

We’re well and truly in the swing of 2016, and for many of us, the bills and other payments are mounting.

If you’ve turned to a new credit card as the solution to this and have done your due diligence, then finding the right deal is probably the most difficult part of the process for you.

There’s a huge range of credit card products to select from. This is why we’ve created this page, so you can instantly get a grasp on the market and any new additions.

The offers below can take many different forms. Some will be balance transfer deals, others will waive charges such as the annual fee and others will give you an interest-free period on purchases. Others may even simply reward you with a mass of rewards points simply for being a new customer.

Before you choose any one credit card deal it’s good to be familiar with some of the basic rules of choosing a credit card. Read on to find out what they are.

*Best Balance transfer deals

There are new balance transfer deals entering the market every month, and there are a staggering amount of cards which offer them in periods of 3 months all the way up to 15 months and even beyond for some products.

Looking at the table below will give you a good idea of the latest and most up-to-date balance transfers.

Rates last updated September 27th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 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.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases.

0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $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.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $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 18 months and 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer and an introductory offer of 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info

Picking the right balance transfer offer is important, as you’ll be paying this balance off with the one card for the duration of the offer. This is why it’s crucial you know exactly how a balance transfer offer works, including limits and fees that you may need to pay.

Balance transfer limits

0% Purchase rate deals for 2016

Consider the below cards if you are looking for a card to make new purchases with, and don’t necessarily need to balance transfer existing debt.

Rates last updated September 27th, 2016
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 purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offers to finder.com.au

Enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases.

0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Rewards points with your purchases and pay no interest with 0% p.a. for 12 months on purchases and 0% p.a. for 6 months on balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Go to site More info
NAB Premium Card
Benefit from Premium credit card advantages including travel insurance, higher credit limits and VIP Lost Card Cover. 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $90 p.a. Go to site More info
NAB Velocity Rewards Premium Card
0% p.a. on purchases and balance transfers for 15 months and 20,000 bonus Velocity Points when you make an everyday purchase in the first 90 days of opening your account. You gain both Visa and American Express cards which are linked to one single account and annual fee.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $150 p.a. Go to site More info
NAB Velocity Rewards Card
This card offers a 10,000 bonus Velocity Points plus a low interest rate of 0% p.a. on purchases and balance transfers for 15 months.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $95 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Get 20,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
NAB Qantas Rewards Card
Enjoy an introductory offer of 0% p.a. for 15 months on balance transfers and purchases, plus 10,000 bonus Qantas Points on eligible spend.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $95 p.a. Go to site More info
NAB flybuys Rewards Card
Earn flybuys rewards points on your everyday purchases. Also enjoy a 0% p.a. on purchases and balance transfers for 15 months.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $95 p.a. Go to site More info
Citi Clear Platinum Card
A low rate platinum credit card with a low interest rate on purchases and balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info

What to remember when choosing a credit card deal

Know what you’ll use the card for

The answer to this question will make your choice much easier, so find out what the aim for this card is. Do you plan to use the card for an overseas holiday, everyday spending which is paid in full each month, or to pay off an existing balance? In reality there are many reasons why you could want a credit card, so find out the reason and then look for a card which will benefit this reason.

For example, someone travelling overseas may want to find a credit card with no international transaction fees and a low promotional interest rate so they don’t pay high fees or interest charges while on their trip.

Know what happens once the promotional period ends

Lower balance transfer and purchase rate offers will finish after a certain time, so you should know what rate you’ll be paying once this happens. Some balance transfer offers revert to the cash advance rate once the promotional period ends, so be sure to find this out before you transfer a balance over.

Ensure you’re not dazzled by the thought of bonus rewards points

Rewards cards from time to time offer bonus points rewards for new customers. They can also have high annual fees and rewards membership fees. This doesn’t mean they should be steered clear from, as if you spend enough each year the rewards you’ll receive will outweigh them. What it does mean is if you’re applying for a card simply because it comes with a large bonus points offer, you could end up with a card that won’t work for you.

Know the fees

This follows on from the previous point. Find out and compare the annual fees of any credit cards you’re interested in, and the fees for any other features you may make use of including additional cardholders and international transactions. There are cards which will waive these fees, so it’s important to have a good look at what’s out there.

Read more on foreign transaction fees


Finding the Best credit card deals with Adrian Barclay

- START

Hi, I am Adrian Barclay from CreditCardFinder.com.au, and today we are talking through the best credit cards deals of 2013.

First of all, in terms of the tradeoff between a low rate card and a rewards card, people tend to go for the rewards card because they think they are getting something extra. But, in fact, our calculations worked out on average you have to spend around $20,000 on the card before you get around $100 worth of value. So if the annual fee for a rewards card is around $150, you have to spend around $30,000 before you break even to cover that annual fee. And especially if you are going to be carrying over a balance, the interest rate on rewards card is a bit higher than your low rate cards. So you’re really going to struggle to get any value back from a rewards card if you’re not paying off your balance in full each month and also putting a lot of money on the card, which is why it is a good idea to consider a low rate card when you’re picking out a new credit card.

In terms of some other tips for getting a good deal this year, you want to know what you’re using your card for. So, if you’re going overseas regularly, you want to go for a card that waives the normal international transaction fees, also known as currency conversion fees. If you’re spending online with retail outlets that are overseas or travelling
overseas, you really want to concentrate on the currency conversion fees. Some cards don’t have them, and many cards are packed with 3% to 4% on each transaction. So it can add up to a lot of money if you’re travelling overseas regularly or making those overseas purchases.

Also, another tip is to know when the promotional period ends. There are some offers like 0% for 9 months on purchases or 0% for 9 months on balance transfers. You really want to put in your calendar when that ends, because otherwise your interest rates on those can suddenly go from 0% to 20%. That’s obviously quite a large chunk of your money that’s going to be going towards interest when people don’t really want to be paying that kind of interest on those big sums.

So that’s some information on tips to choose the best credit card deals this year. Subscribe to our YouTube channel and like us on Facebook for any more information on your personal finances. Thank you.

- END


Why are credit card deals so important?

Getting a one-up through an exclusive credit card deal can see you get access to a credit card which fulfills your needs and does so at a lower cost to you, or simply offers you more of the same benefits that you’re applying for. These could be extended balance transfer offers, lower or completely waived annual fees and more, which could make help you pay off a balance sooner, or pay less each year.

Looking only at a card provider’s website could deny you getting access to these deals

At finder.com.au we’re regularly able to offer deals on various cards from various lenders. These deals are exclusive to us, but what’s on offer will change over time, so revisit our exclusive deals page regularly to check out the latest exclusive offers.

It’s also important to scroll to the bottom of the CreditCardFinder.com.au homepage and read about the newest products in the market. Some of these cards will replace older, outdated cards which may be similar to what you’re currently using, and might offer new features and rewards, better rates or lower fees, so it pays to be aware of what’s new in the marketspace.

Choosing the right credit card deal isn’t difficult. All it requires is a bit of reading and time to work out what you want out of your card.

Exclusive deals via finder.com.au

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Marc Terrano

A passionate journalist who loves to tell a story. Learning and teaching personal finance is my main lot at finder.com.au. Also enjoys video games and fitness.

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3 Responses to *Best Credit Card Deals

  1. Default Gravatar
    Simon | August 12, 2013

    I recently cancelled my American Express Platinum card because the annual fee was so high and they charge foreign transaction fees.

    I started using my Westpac Visa Platinum card instead (we always pay off the balance at the end of the month), but Westpac have just started restricting the amount of frequent flyer points you can earn per month to 3,500 (our average spend is about A$20K per month).

    So, what is the best credit card to maximise frequent flyers, yet have the lowest annual fee and no foreign transaction fees?

Credit Cards Comparison

Rates last updated September 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 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

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.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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