Whether you love a low rate, minimal fees, rewards or need to clear your debt with a balance transfer, we’ve got you covered for this year’s best credit cards.
As part of the 2020 Mozo Experts Choice Awards, our expert judges found the best personal credit cards across 12 different categories.
“Consumers use their credit cards in different ways, so we think it’s important to judge providers across a number of various categories,” Mozo Expert Judge, Peter Marshall said.
“We considered which credit cards were the best for people looking for a low rate, no annual fee, rewards or balance transfer. Plus, we also added an innovation award to showcase a new product that stood out this year.”
So who came out on top in 2020? Check out some of this year’s Mozo Experts Choice Awards winners below!
Best Low Rate Credit Card
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Important disclosures
Important disclosures
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
If you’re all about a low rate when it comes to your credit card, the St George Vertigo Platinum card is worth some attention. This card comes with a 0% purchase rate for 15 months, meaning you’ll pay no interest at all straight off the bat! Then, the rate bumps up to a still low 12.99% after that. And if you don’t like hefty annual fees, you’ll be pleased to know that you’ll only pay $49 in the first year ($99 after). It’s no wonder this card snapped up a 2020 Mozo Experts Choice Award^ for Best Low Rate Platinum Credit Card.
Best No Annual Fee Credit Card
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Bankwest - Zero Platinum Mastercard
Multiple 2020 Mozo Experts Choice Awards winner^
No annual fee
2.99% balance transfer rate for 9 months (17.99% after)
Want a no annual fee credit card the experts love? Say hello to the Bankwest Zero Platinum credit card. This year, this card came home with two 2020 Mozo Experts Choice Awards^ for Best No Annual Fee Platinum Credit Card and Best Balance Transfer Platinum Credit Card. With the Bankwest Zero Platinum card, you’ll pay no annual fee as well as no foreign exchange margin. Plus, if you’re wanting to clear debt there’s a handy balance transfer offer - 2.99% for 9 months (17.99% after).
Best Rewards Credit Card
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
American Express - Qantas Ultimate Card
2020 Mozo Experts Choice Credit Card Provider of the Year^
With the American Express Qantas Ultimate credit card, it’s all about rewards. From the 2020 Mozo Experts Choice Awards^ Credit Card Provider of the Year and winner of Best Qantas Frequent Flyer Platinum Credit Card, American Express customers can earn a massive 55,000 bonus Qantas points when they apply online and spend $3,000 in the first three months. Plus, you can earn 1.25 Qantas Points for every $1 you spend on the card on eligible purchases. Points are uncapped with this card and don’t expire. Just remember, there is a 20.74% purchase rate and $450 annual fee attached to this card.
Best Balance Transfer Credit Card
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Great Southern Bank - Platinum Credit Card
2020 Mozo Experts Choice Award winner^
0% balance transfer rate for 20 months (21.74% after)
Credit card debt got you down? The CUA Platinum credit card may be what you need to clear it! This card comes with a 0% balance transfer offer that lasts for 20 months, meaning you’ll pay no interest on your existing debt as long as it is cleared before the offer expires. Plus, if you are looking to save on fees in the first 12 months, this card has a $0 annual fee in the first year, but remember you’ll need to budget for a $149 cost every year after that. Need more convincing?Our experts loved the CUA Platinum card so much, they awarded it a 2020 Mozo Experts Choice Award^ for Best Balance Transfer Platinum Credit Card.
Best Credit Card Innovation
Mozo may receive payment if you click products on our site. Mozo does not compare the entire market.
Important disclosures
Important disclosures
Advertiser disclosure
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
NAB - StraightUp Card
2020 Mozo Experts Choice Award for Credit Card Innovation^
If you’re all about innovation and finding the best new credit card product on the market, NAB’s StraightUp Credit Card might be exactly what you’ve been searching for. Awarded the 2020 Mozo Experts Choice Award^ for Credit Card Innovation, this card not only breaks away from traditional credit cards but has a bunch of perks too. The card comes with no interest rate, no foreign exchange fee or late payment penalty. Instead, you pay a monthly fee between $10 and $20, depending on your credit limit. Plus, if you don’t have a balance owing or you don’t use your card at all during a statement period, NAB will reverse the monthly charge. Talk about innovation!
^For more information on our Credit Card awards and for the full list of winners, head to the 2020 Mozo Experts Choice Awardspage.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
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Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
