The credit card deals for every spender this November
Tom Watson | 06 Nov 2017
The economical options
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1. Bank Australia Low Rate Visa
Low 9.39% purchase rate
$59 annual fee
No late payment fee
The verdict:
If you’re after a credit card that will help you keep expenses low over the Christmas period then the Low Rate Visa from Bank Australia could be your perfect match. Featuring one of the lowest purchase rates on the market at 9.39%, you’ll also keep more of your money in your wallet thanks to the $59 annual fee and lack of late payment fees. While the card doesn’t offer interest free days, it’s a good option for spenders who want to minimise the balance they carry with a super low rate.
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2. Australian Military Bank Low Rate Visa Credit Card
$49 annual fee
10.99% purchase rate
55 interest-free days
The verdict:
Shopping around for new low rate credit card that’s packed with features? Australian Military Bank’s Low Rate Visa card has everything you’ll need, with a low $49 annual fee, 10.99% purchase rate and even a 0% balance transfer offer for the first 12 months for anyone looking to ditch their existing debt.
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The zero fee offers
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3. ME frank Credit Card
$0 annual fee
55 days interest free
11.99% purchase rate
The verdict:
When it comes to practical credit card options, the frank card from ME is hard to beat. With a $0 annual fee and 55 interest free days you won’t have to pay a cent to use the card for your Christmas present shopping and even if you do end up carrying a balance, the low 11.99% purchase rate means your hip pocket won’t be stung too badly.
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4. Coles No Annual Fee Mastercard
$0 annual fee
$100 off a single Coles supermarket shop
0.5 flybuys points per $1 spent earn rate
The Verdict:
Fancy a card that allows you to accumulate rewards points for free? Well with a $0 annual fee and the potential to earn 0.5 flybuys points for every $1 you spend, the Coles No Annual Fee Mastercard could be just that. Plus you’ll receive $100 off a Coles supermarket shop when you make a purchase with the card within the first 30 days - which could prove a handy discount off your Christmas food shop.
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The debt-busters
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5. American Express Essential Credit Card
0% balance transfer offer for 12 months (3% BT fee)
$0 annual fee
Up to 1 AMEX Membership Rewards Point for every $1 spent
The Verdict:
If you’re looking for a card to help you ditch any debt you’ve accumulated so far in 2017, then the Essential Credit Card from American Express is an option worth looking at. With the 0% balance transfer offer (including a 3% BT fee) you’ll have up to 12 months to pay off existing debt you want to bring over. Plus the $0 annual fee and American Express Membership Rewards points earning potential makes it an attractive card to keep around after you’ve paid off your balance.
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6. ANZ First
0% balance transfer offer for 16 months (2% BT fee)
Low $30 annual fee
Extended warranty and purchase security insurance
The Verdict:
The ANZ First credit card gives cardholders a whopping 16 months to pay off their debt with the introductory 0% balance transfer offer - meaning you’ll have until March 2019 before the 21.49% revert rate begins to apply. While you’ll pay a 2% fee on any balance transfer you make, the low $30 annual fee and complimentary insurance perks could make that more than worthwhile.
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The bonus point offers
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7. American Express Qantas Ultimate Card
55,000 Qantas Points bonus offer
Up to 1.5 Qantas Points for every $1 spent
$450 annual Qantas travel credit
The Verdict:
Got a large present list this festive season? The Qantas American Express Ultimate Card could very well reward you for your purchases, with a massive bonus offer of 55,000 Qantas Points when you apply online and spend $1,500 in the first 3 months. While the $450 annual fee may seem steep, it’s more than offset by the $450 Qantas travel credit you’ll receive each year, not to mention the 1.5 Qantas points per $1 spent and 2 Qantas Club lounge invitations.
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8. NAB Rewards Platinum Card
60,000 NAB Bonus Point offer
Seven complimentary insurances
1 NAB Rewards Point per $1 spent (uncapped)
The Verdict:
Rewards points lovers will feel like Christmas has come early with the introductory 60,000 bonus points they’ll receive if they spend $2,500 on eligible purchases within the first 2 months of signing up for a NAB Rewards Platinum Card. Also featuring a 1 NAB Rewards Point for every $1 spent earn rate and a suite of complimentary insurance offers (including overseas travel), this is a seriously rewarding credit card for the $195 annual fee.
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The frequent flyer deals
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9. ANZ Frequent Flyer Black
75,000 Bonus Qantas Points (when you spend $2,500 in the first 3 months)
2 Qantas Club Lounge visits each year
No annual fee for the first year (normally $450)
The Verdict:
If you’re a frequent flyer with Qantas, the ANZ Frequent Flyer Black credit card could be your perfect travelling companion, especially with the 75,000 Bonus Qantas Points you’ll be able to put towards flights for a 2018 vacation when you spend $2,500 in the first 3 months. Plus travellers will also receive two passes to the Qantas Club Lounge each year and be able to earn Qantas points for their everyday purchases.
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10. Virgin Money Virgin Australia Velocity High Flyer Card
80,000 Bonus Velocity Points (when you spend $3,000 per month in the first 5 months)
$129 Virgin Australia travel gift voucher
International travel insurance
The Verdict:
This is a credit card that really rewards spenders, with up to 80,000 bonus Velocity Points on offer when you spend $3,000 each month for the first 5 months. Add to that a $129 Virgin Australia travel voucher and two single Virgin Australia Lounge passes each year, plus a range of complimentary insurances, and this could be the dream card for travellers who love to fly with Virgin Australia.
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Want to compare an even bigger range of credit cards for yourself? Make it easy for yourself by heading over to the Mozo credit card comparison hub and comparing the other 204 cards in our database.
*All rates and offers mentioned in this article are correct at time of writing, but may be subject to change. Please check the full Mozo review for each product for the most up-to-date information.
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