Credit Card Special Offers
Posted October 20th, 2009
and last modified May 12th, 2010
When you decide to get a credit card one of the important things to review are credit card special offers. These offers can be anything from reduced interest rates to free balance transfers to extensive rewards programs.
It is important to review these offers and understand completely how long the offer lasts before you decide to give your valuable business to a specific company.
Credit card special offers review:
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 Citibank Clear Platinum Visa |
 Editor’s Choice:Best Card Spend this Christmas & holiday season with 11.49% on purchases! Plus 25% off selected shopping, travel & dining & Free Int. Travel Insurance.Note: Min. Income to apply is $50k per year |
11.49% | 21.24% | $99 | 55 |   |
|
|
Lowest Rate Mastercard Low 10.75% p.a. interest rate on purchases & on balance transfers |
10.75% | 21.74% | $59 | 55 | |
|
 Aussie MasterCard |
2.99% p.a. for 6 months on balance transfers + 2.99% for 6 months (reverts to 12.99%) p.a. on purchases. |
2.99% for 6 months (reverts to 12.99%) | 19.79% | 2.99% p.a. for 6 months | $49 | 55 | |
 HSBC Credit Card |
Editor’s Choice: No Annual Fee $0 annual fee for the life of the credit card and a balance transfer offer. |
16.99% | 20.75% | $0 | 55 | |
|
 Woolworths Everyday Money Card |
Woolworths shopping rewards program. $0 annual fee for first year. $49 after. Earn up to 3 reward points for every $1 you spend^ on your Everyday Money card, every 4 months, if you have enough points, you will automatically be sent a shopping card. Ends November 30th. |
19.49% | 20.99% | $0 for the first year ($49 per year after that) | 55 | |
|
 Citibank Emirates Platinum Card |
Editor’s Choice: Rewards Program 3 Skyward Miles for every $1 spent. Good credit rating required for application approval. |
20.74% | 20.74% | $229 | 55 | |
Clearly not all credit card special offers are created equal. What is key when deciding who you will do business with is what offers are of the most value to you. This will require you to carefully examine your spending habits so that you can reap as much of the benefits from a given card as possible.
For some people a rewards program has little value because they will not use them. For others the lowest interest rate for the longest time period is most valuable because they will use their card often and will likely not pay it off each month. Others still might only care about the annual fee because they know their card will be used for emergencies and then paid off quickly so the lowest annual fee they can find will save them money. It is up to you to decide which credit card special offers to take advantage of, just be sure that whichever you pick you actually use.
Related posts:
- Australian Credit Card Offers
- Balance Transfer Credit Card Offers
- Planning to consolidate credit cards? How to compare balance transfer offers
- Introductory Credit Card Offers
- Credit Card 0% Offers – Do they still exist?
- Reasons Why You May Avoid Credit Card Introductory Offers
- Best Credit Card Offers February 2010
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Editor's Choice: Our Top Credit Cards
HSBC Credit Card
0% for 6 months Balance Transfer & No Annual Fee
Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.
Suncorp Clear Options Standard Visa Card