Crush debt and ditch fees in 2018 with these stellar credit cards

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The new year has arrived, and it’s time to make a promise to yourself: in 2018 you won’t pay fees when you don’t have to, and you will clear that cloud of credit card debt you’ve been stuck under.

Sounds good, right? To help you stick to this very worthwhile resolution, we’ve rounded up a selection of credit cards from our database which can either help you smash your debt or offer you annual fee-free spending for the year ahead - or both.

Say goodbye to debt

HSBC Platinum Credit Card
  • 0% balance transfer rate for 22 months (2% balance transfer fee applies)

  • No annual fee when you spend $6,000 p.a.

  • Mozo Experts Choice Winner 2017

What’s the deal:

With the HSBC Platinum card, you’ll have a leisurely 22 months to pay off that lingering credit card balance and get yourself blissfully debt-free. Plus, once you start spending again, you can earn 1 point per $1 you spend on this card, and enjoy perks like a concierge service and complimentary insurance covers.

Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer and Points Offer
Virgin Money
  • 0% interest on balance transfers for 18 months

  • $65 annual fee in first year ($129 after)

  • $129 annual Virgin Gift Voucher

What’s the deal:

Frequent flyers may love this card for all the travel freebies packed in, but with 18 months interest free on transferred balances on offer, it’s also a great choice for smashing debt. Plus, in the first year you have the card, the annual fee is slashed in half to help keep costs down.

Woolworths Everyday Platinum Credit Card
  • 0% balance transfer rate for 14 months

  • $0 annual fee in the first year ($49 after)

  • Mozo Experts Choice Winner 2017

What’s the deal:

With multiple Mozo Experts Choice wins under its belt, the Woolworths Everyday Platinum card is a great all rounder, with no annual fee in the first year and 3 rewards points for every dollar spent at Woolies. Plus, there’s a 14 month interest free balance transfer period to help you clear your debt once and for all.


ME frank Credit Card
  • $0 annual fee

  • 11.99% purchase rate

  • Up to 55 interest free days

What’s the deal:

Looking for simple, no-strings spending? Meet frank, from online bank ME. With no annual fee, a low interest rate and up to 55 interest free days each month, this Mozo Experts Choice winner is a savvy spenders new best friend.

Coles No Annual Fee Mastercard
  • $0 annual fee

  • 19.99% interest rate

  • Mobile wallet feature included

What’s the deal:

Not only is the Coles No Annual Fee Mastercard easy on your pocket, but at the moment, you’ve also got the chance to bag 20,000 bonus Flybuys points, just by signing up before January 31 and making a purchase on the card within one month.

^See information about the Mozo Experts Choice Credit cards Awards

Can’t see your perfect plastic match in the list above? Check out our credit card comparison for more killer options in 2018.