Looking for the most competitive credit card deals? Browse and compare our picks to find the best* credit card for you.
With so many credit card deals on the market, narrowing down your decision to one can be a difficult task.
There are different credit cards available for almost every type of cardholder. You could look at a balance transfer credit card to consolidate your debt, a frequent flyer card to earn rewards as you spend or a no annual fee card to cut back on costs. If you have a purchase in mind, you might consider a card with 0% interest on purchases, a card with complimentary insurance if you have a holiday coming up or a business credit card to help manage corporate expenses.
Ultimately, the best* credit card deal depends on your financial situation, your ability to repay and the features you’re looking for in a credit card. Use this guide to compare your options and decide which credit card is the best* for your needs.
Credit card deals you can compare
Use the credit card categories below to narrow down your search and find the right card for you:
St.George Credit Card Offer
Enjoy a low rate balance transfer offer. The card also features a low ongoing purchase rate and a low annual fee.
- $55 p.a. annual fee
- 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
* The offers compared on this page are chosen from a range of products finder.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 personal financial circumstances when comparing products.
Compare the Top Credit Card Offers* for your needs
0% Balance transfer offers
Do you have a debt that is collecting high interest? A balance transfer promotion allows you to transfer your debt to a card with 0% interest on balance transfers for a set period, usually between 6 to 20 months. This means you can pay down your debt without the additional cost of interest. At the end of the promotional period, the standard balance transfer rate (either the interest or cash advance rate) will apply. So you should aim to repay your debt before the promotion ends if you want to avoid accruing interest. Compare how much interest you could save using our balance transfer calculator below.
finder.com.au’s Best Credit Card Deals*
If you don’t want to pay an annual fee but still want to earn rewards, compare your options in the table below.
|Credit Card||Bonus Points||Points Earning|
Rewards or frequent flyer credit cards
A rewards or frequent flyer credit card is an easy way for regular spenders and globetrotters to collect rewards points as they spend. Some cards even offer thousands of bonus points on sign up, meaning you can bolster your points balance from the beginning. Earn rates (how many points you earn per dollar), rewards programs, redemption options and bonus points terms and conditions vary between different cards and programs. So it’s important to compare your options to make sure it compliments your spending habits and rewards goals. These cards typically come with a higher annual fee, so you’ll want to make sure the value of your rewards outweigh the cost of the card.
Introductory purchase rate offers
Use your credit card and avoid interest with a credit card with a 0% or low introductory rate on purchases. Depending on the card, the 0% period on purchases can last between 3 to 15 months. Once the promotional period ends, the higher revert interest rate (usually between 13% and 20%) will apply. Consider the purchases you need to make and your ability to repay the entire balance before the end of the promotional period to compare which offer is suitable.
Low or no annual fees
A low or no annual fee credit card can help you cut back on standard credit card costs. If you avoid accruing interest and other additional fees, a no annual fee card could act as a cost-free option. Please note that some of these cards only have a reduced or $0 annual fee for a promotional period, so you can use our tables and reviews to confirm what the standard annual fee is and when it will apply. No annual fee credit cards sometimes come with fewer features or higher interest rates, so you should consider whether these factors outweigh the savings you’re making from the annual fee.
Business credit card offers
These cards are designed for corporate expenses and offer perks, deals and features that are tailored to businesses rather than for personal use. Some exclusive introductory deals you could expect from a business credit card include bonus rewards points, airline lounge passes and reduced or waived annual fees. Standard features could also include complimentary insurances, concierge services and business cost management systems. These cards usually come with higher credit limits, higher annual fees and require cardholders to have an ABN.
Additional benefits and perks
Platinum and gold credit cards often offer a number of other additional perks that can sweeten the deal. Concierge services are just one of these, providing 24 hour assistance for everything from restaurant reservations, hotel bookings to gift ideas. These cards often have high fees, so make sure that the benefits offset these costs.
- Complimentary insurance
Cards with complimentary travel insurance can save you the time and cost it takes to organise external cover. This cover usually includes medical and purchase protection for you, your spouse and your children if they’re travelling with you. You’ll need to meet the eligibility requirements and may be asked to purchase a percentage of your travel costs on your card to qualify for the insurance, so make sure you’re familiar with these terms and conditions before you apply.
- Concierge services and airline lounge passes
Platinum, gold and black credit cards offer a number of additional perks for the cost of a higher fee. These features can include a 24/7 concierge service that you can use for anything from making a restaurant reservation to booking a hotel stay or sending flowers. You’d need to pay for the reservation or the gift, but the service is complimentary with the card. Some of these high end cards also come with complimentary airline lounge passes, meaning you can wait in style before your next flight.
- Contactless payments
While most cards come with contactless payments (such as PayPass or Paywave), more cards are adopting contactless mobile technologies such as Apple Pay, Samsung Pay and Android Pay. As banks launch these mobile payments, some are offering special deals such as cash back offers when you first use your mobile to make a card payment.
- Cashback offers Some banks entice new customers to sign up or encourage existing customers to spend with certain partners with the promise of cash back offers. The offer will usually require you to spend a certain amount in a set period (such as $500 on eligible purchases in the first three months) to receive a cashback reward (say $250). Make sure these terms and conditions align with your spending behaviours to ensure that deal offers you additional value.
These cards usually come with higher annual fees and interest rates, so it’s important the value of the perks offset the costs.
How to compare different credit card deals
While it’s easy to be lured by the promise of low annual fees, bonus points and exclusive offers, knowing how to compare will ensure that you end up with the better deal. Some of the factors you should compare include:
- Promotional periods. Whether it’s a low balance transfer offer, 0% purchases or a waived annual fee, these credit card offers usually only last for a promotional period. The introductory period usually begins as soon as the card is approved or activated, so you’ll need to take advantage of it immediately and know when it ends to enjoy the full value.
- Revert rates. When the promotional period ends, a higher revert rate will apply. Say if you had a 0% balance transfer credit card for 12 months, after a year the balance transfer rate would return to the standard balance transfer rate of usually between 19% and 22%. This means that any debt left at the end of the promotional period will begin collecting that higher interest.
- Standard costs. As well as the exclusive deal, you’ll need to pay attention to the standard costs (such as annual fees, purchase rates and cash advance rates) to ensure that the value of the offer isn’t outbalanced by the card fees.
- Rewards programs. If you’re comparing rewards credit cards, consider how many points you can earn per dollar, how you can earn rewards, how you can redeem rewards and whether any limitations (such as points caps or expiration) apply.
- Perks and services. As well as the major offer you’re comparing, check whether the card comes with any other features such as interest-free days, complimentary insurance, airline lounge passes or concierge services to understand the potential value of the card.
Perks and downfalls of credit card deals
- Savings. With low or no annual fees, reduced interest rates and balance transfer promotions, many credit card deals give cardholders the opportunity to save on standard card costs.
- Rewarded spending. If you opt for a reward program, you can get rewarded for everyday purchases.
- Value for money. Depending on how you use the card, credit card deals can offer you more value for your money than a standard card.
- Temporary. Some of these credit card deals are only temporary, so the card might not be of value to you when the offer ends.
- Terms and conditions. All cards with credit card deals come with terms and conditions. Whether this refers to the promotional period and revert rate or spend requirements to earn bonus points, it’s important to make sure these conditions align with your spending behaviours.
- Costs. Cards with special offers can come with higher costs than standard cards, so you’ll need to make sure the interest rates or annual fees don’t counteract the savings or value you’ll receive from the deal.
Frequently asked questions
How can I redeem rewards?
Do I have to make any payments during the introductory period if there is no interest being charged?
How long does it take to receive my sign-up bonus points?
What happens after the introductory period ends?
After an introductory rate period ends a revert rate will apply. If the card is a purchase rate offer card, the revert rate will be the standard purchase rate of the card. If you’ve taken up a balance transfer offer card, the revert rate will depend on the card in question, but it will generally be the card’s cash advance rate or purchase rate. As soon as the introductory period is over any outstanding balance will start accruing interest at the applicable rate.
If I take up a credit card that has the annual fee waived for the first year, will I be charged if I close my account in the first twelve months?
No. As the annual fee is waived in the first year you will not start being charged an annual fee until after the initial 12-month period is over. Be sure to confirm the date you will be charged this fee (you can find out in the card’s terms and conditions) to ensure you won’t be charged.