Find your perfect plastic match this Valentine's Day


Got a date with the checkout planned this Valentine’s Day? Whether you’re buying roses for that special someone or treating yourself to take your mind off being single (again) this year, one thing’s for sure - you'll need the right piece of plastic with you.

But choosing your perfect credit card companion can be just as tricky as choosing the right match on Tinder. To help you out, we’ve made a shortlist of potential credit card dates for you this February 14th - all you have to do is choose the one that you need in your life.

The rebound fling - balance transfer card

Bankwest Breeze Platinum Mastercard

Key features

  • 0% balance transfer offer for 24 months (2% BT fee)
  • 12.99% purchase rate
  • $99 annual fee

If you’ve been hurt by your existing credit card (meaning, you’ve racked up a sizeable chunk of debt, oops) then soothe your aching heart and get back in the game with the Breeze Platinum Mastercard. After a leisurely 2 years interest free to pay off your balance, you’ll be left with a premium piece of plastic that includes a concierge service, complimentary travel insurance, extended warranty, and purchase protection.

No strings attached - low rate card

CUA Low Rate Credit Card

Key features

  • Low 11.99% purchase rate
  • $0 annual fee in the first year ($49 after)
  • Up to 55 interest free days

Looking for a casual piece of plastic you can use for spending, which won’t ruin your budget if you miss a monthly repayment (or two)? Look no further than the CUA Low Rate card. Along with a wallet-friendly interest rate, this one comes with no annual fee in the first year, plenty of interest free days and if you need to clear up an existing debt, there’s also a 13 month 0% interest balance transfer period.

Low maintenance relationship - no annual fee card

Bank of Melbourne No Annual Fee

Key features

  • $0 annual fee
  • 20.49% purchase rate
  • 0% balance transfer offer for 12 months (1% BT fee)

If a steady, reliable plastic partner is what you need, then the Bank of Melbourne No Annual Fee card may be the one for you. This card helps you limit the cost of carrying plastic, since you won’t pay a thing to have it in your pocket, plus you’ll get up to 55 interest free days each month. But make sure you show this one some love when it comes to paying off your bill, or risk getting slugged with 20.49% interest.

Wining and dining - rewards card

St.George Amplify Signature

Key features

  • 90,000 bonus Amplify points when you spend $5,000 in first 90 days
  • 1.5 points per $1 spent, uncapped
  • 19.49% purchase rate

If you want to be wined, dined and treated to all the freebies and bonuses you can imagine this Valentine’s Day, check out the St.George Amplify Signature card. Not only can you earn a bucket load of bonus points, and 1.5 points for each $1 you spend on the card, you’ll also get to enjoy perks like a concierge service, extended warranty, purchase protection and free travel insurance, just to name a few!

A holiday romance - frequent flyer card

American Express Qantas Ultimate Card

Key features

  • $450 annual travel credit
  • 100,000 bonus points when you apply online and spend $3,000 in first 3 months
  • 1.5 Qantas points per $1 spent

If a romantic getaway is your heart’s desire, then the Amex Ultimate Qantas card might just be your perfect date. Along with a tonne of Qantas points, you’ll also score a $450 annual travel credit, which neatly cancels out the $450 annual fee. And the travel perks don’t stop there, with two free Qantas Club and American Express Lounge invitations each year and a complimentary Qantas epiQure Premium Membership on offer as well.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Didn’t find the love of your life in this list? Head over to our credit card comparison table to keep searching for The One.

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