St George Vertigo is a great catch with just 2.99% for 6 months on balance transfers with a low ongoing 12.49%.
The HSBC is a true no annual fee low rate card. Apply today and get a bonus $50 credit just for purchasing on your card.
The Aussie Credit Card gives you the best of both worlds. You get a great 2.99% first 6 months (reverts to 12.99%) interest rate with an annual fee of just $49. You also get a choice of initial offers including a great 2.99% balance transfer and purchase rate for the first 6 months.
The NAB Standard Card gives you the choice of Visa or MasterCard, all for a low annual fee. With competitive interest rates, emergency travel assistance and purchase protection, this is the perfect card for your everyday shopping needs.
If so, you should look no further than the Citibank Clear Card. For an annual fee of just $65 you can benefit from a great balance transfer rate of 0% for 6 months. There’s also a great purchase rate of 11.99% for the first 12 months.
Suncorp Clear Options Standard Visa
Do you want a credit card with a low interest rate on purchases and a low annual fee?
The Suncorp Clear Options Standard Visa card is a no-frills card, perfect for your day to day spending. It offers one of the lowest standard interest rates in the country as well as a [...]
If you do, look no further than the Commonwealth Bank Low Fee Card. It offers superb value as Commonwealth Bank customers who spend over $1,000 every year on their card will never pay an annual fee. With up to 55 days interest free, and the ability to add an additional cardholder at no extra cost, this really is the perfect card for everyday spending.
The Citibank Silver Card has a great balance transfer rate of just 2.9% for 12 months.
The Macqurie Bank Visa RateSaver combines a superb low purchase rate, a terrific 0% balance transfer deal and advanced microchip technology for extra security. It also displays the Visa logo, accepted in millions of outlets worldwide.
Top 10 Credit Cards
What makes a ‘Top 10 Credit Card’?
If you are looking for the very best credit card deal, there are a number of factors that you should take into account. Our guide explains the five ways a great credit card will make it to our Top 10 list.
Having A Great Interest Rate
The simplest way a credit card will make our illustrious Top 10 list is to have a great long term interest rate. Whilst some cards offer a low introductory rate for between 6 and 12 months, great value credit cards have a low interest rate all the time.
Offering A Low Balance Transfer Rate
The average credit card balance in Australia is $3,248. If you are looking to save money by paying less credit card interest, then you will be searching for the best balance transfer deal that you can find.
Balance Transfer deals generally fall into two categories:
-
Short term deals – low interest rates for between 6 and 12 months
-
Lifetime deals – where you get a competitive rate on your card balance until you have paid it off in full
Great balance transfer deals will find their way into our Top 10 list.
Having A Low Annual Fee
Do you want to pay an annual credit card fee?
With card fees typically ranging from $49 to over $200, many people want to try and avoid this unnecessary charge.
That is why many credit card providers now offer at least one ‘low fee’ or ‘no fee’ option. It is possible to get a competitive credit card without paying an annual charge, and the best will regularly feature in our ‘Top 10 credit cards’.
Offering The Maximum Number Of Interest Free Days
Credit card companies allow you a grace period from the date of your purchase for you to pay their bill. And, the longer the period, the more flexible the credit card is to you.
Our Top 10 list regularly features credit cards that offer anything from 7 to 8 weeks worth of ‘interest free’ days.
Earning You Great Credit Card Rewards
Everybody loves getting something for nothing. And, if you use your credit card regularly, that is exactly what you could benefit from if you have a rewards credit card.
You will be awarded points every time you use your card which you can then redeem from everything from flights and gifts to electrical goods and gift cards. Whilst we don’t just compare rewards credit cards, we do feature the best of these cards in our Top 10 list.
Remember, whilst we can't provide you with advice on your individual circumstances, we can give you all the details for you to make an informed choice.