Best Credit Cards
Although it may seem daunting going through the many different choices of the best credit cards, you are completely in control and capable of finding the best one for you that will surely help you.
Best Credit Card*
The HSBC Credit Card will not only give you a balance transfer offer of just 0% p.a. for 6 months but you will also pay no annual fee for the life of the card
- Purchase rate of 16.99% p.a.
- 0% p.a. for 6 months on balance transfers
- $0 annual fee
- 16.99% p.a. on purchases
- Up to 55 days interest free
Click here to read the HSBC Credit Card terms and conditions
Compare the Best Credit Cards
| 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) | |
|---|---|---|---|---|---|---|---|
|
Best No Annual Fee & Balance Transfer Card Excellent offer of 0% p.a. for 6 months on balance transfers plus no annual fee for life. |
16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
|
Best Balance Transfer Card Balance transfer offer of 1.9% p.a. for 12 months plus a low standard purchase rate and a low annual fee. |
12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
|
Best Low Interest Card Comes with an extra low interest rate of 10.75% on purchases as well as an excellent balance transfer offer |
5.99% for 12 months (reverts to 10.75%) | 20.99% | 5.99% for 12 months | $59 | 55 | |
|
Best For Life Balance Transfer Card With a lifetime balance transfer you can take your time paying off your existing credit card debt. |
19.99% | 19.99% | 3.9% for life months | $205 | 55 | |
|
Best Frequent Flyer Card Earn Qantas Frequent Flyer points on both the AMEX and Visa card, comes with a good balance transfer deal too. |
19.49% | 20.74% | 2.9% for 12 months | $95 | 44 | |
|
Best Rewards Card Earn 3 Skywards Miles for every dollar spent, plus a balance transfer offer of % p.a. for months |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 | |
|
Best Moneyback Card 5% Cashback on all purchases for 3 months, 1% after, comes with platinum benefits as well. |
19.99% | $99 | 44 | |||
|
Best Petrol Rewards Card Earn up to 8 cents per litre as well as paying no annual fee for life and a balance transfer offer of 0% p.a. for 6 months |
20.24% | 21.99% | 0% for 6 months | $0 | 62 |
It's no secret the vast range of credit cards Australian banks can offer, but with all the choices how do you know you are getting the best credit card for you? The process of choosing the best credit card is a process of comparison, questions and research. Shopping around can be the key factor to gaining the best credit card for you, the more research and comparison you do the more informed you are about making the right decision when it comes to choosing the best credit card. Remember to always question your provider about each credit card you are interested in, and give them adequate information about the financial position you're in, this will allow your provider to use the process of elimination.
Comparing the Best Credit Cards
When it comes to finding the best credit card for you and your lifestyle, family, financial position it is vital to compare the different choices you have. To compare the best credit cards, remember:
- Once you start researching you're guaranteed to be surprised at the many different credit cards and credit card offers there are, so a few questions to your provider can go along way and help them help you.
- It is also vital to have a realistic credit limit from realistic knowledge of your financial position so your provider knows exactly what credit card suite you best. This will ultimately lead you to comfortable credit card usage and will help you save money along the way.
- The more you research yourself the more likely you are going to end up in a comfortable, smart credit card situation that will never stop benefiting you and your lifestyle, not to mention your credit history!
- Never underestimate the internet, with some research and online surfing you are guaranteed to see other peoples past experiences with the provider or type of credit card you are interested in.
Best Credit Card Deals
With the vast choice of different credit cards, the deals they have to offer are endless. This should have a somewhat strong impact on your choice of credit card and/or provider. When choosing a credit card deal:
- Don't be attracted to flashy bonuses and promos but instead research and analyse deals that can benefit you now and keep benefiting you in the future.
- Look at the financial position you are in now, and look into the deals and offers each credit card has that will ultimately aid your financial position and lifestyle.
- Asking your provider is a key point in finding the best credit card deal for you, as the provider will be very much informed on all the latest and greatest credit card deals.I f you secure the best credit card deal for you, you are guaranteed t o feel the benefit, so it's vital you compare and ask questions in the process.
- The type of deals you are interested in and that could benefit your position will have an impact on what credit card you decide to use. Would a low rate credit card aid your lifestyle? Do you have trouble keeping within your credit limit? Maybe a platinum credit card with their many frequent flyer point offers could be a bonus to you? Whatever it is, compare so you end up making a good decision.
The Best Credit Card Types
With all the different choices of credit cards you have, there are bound to be credit cards and credit card deals and offers that are better than others. To choose the best credit card deal for your situation:
- Only knowledge of your own lifestyle and financial position will help you find the best credit card and credit card deals and offers best suited for YOU.
- Make sure you are realistically informed about your financial position before approaching your provider with the process of finding the best credit card.
Remember, only you will feel the main effects of either suffering from your credit card choice, or benefiting from your credit card choice so use our comparison tables now to find the best credit card for you. Just remember, as shown above follow the steps of comparison and don't be afraid to ask questions and you're on your way!
Editors Choice: Best Credit Card Deals
| 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) | |
|---|---|---|---|---|---|---|---|
|
|
An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24% |
12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
|
|
Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card |
16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
|
|
Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card. |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 |