Our Top 10 Australian Credit Cards
Looking for a ‘Top’ credit card? We've compiled some of the very best credit card deals around and even put together some of the factors that make a great credit card. Visit our guide at the bottom of the page for five ways a credit card makes it onto our Top 10 list and find a great deal perfect for you! Always remember to check all details closely and choose a card that suits your personal circumstances, but we have no doubts you will find a card that can help you start saving today!
| Card | Description | Interest Rate (p.a) | Balance Transfer (p.a) | Annual Fee | Interest Free Days (up to) | Info |
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Top 10 Credit Cards
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:
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Short term deals – low interest rates for between 6 and 12 months
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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.
