Score a deal for EOFY with these credit card offers

Purple background with woman holding blank credit card ready for EOFY

Coming to the close of the financial year, spending sure can be tempting and credit cards often get a workout. A 2021 Mozo study found that 81% of Aussie shoppers surveyed were prepared to shop big come tax time, ready to drop money on big ticket work expenses at EOFY discounted prices. 

To make end of financial year spending work in your favour, this can be a great time for competitive deals on credit cards and more lucrative rewards offers. If you’re stocking up on necessities, you may be able to take advantage of cash back bonuses and frequent flyer points - just do so with your budget in mind!

Whether you’re all about the bonus points, keen to get jet-setting, or looking to earn back some money on your groceries, we’ve rounded up some of the offers available for this EOFY. 

St George - Vertigo Credit Card
  • 13.99% p.a purchase rate and no annual fee for first year ($55 annually thereafter)
  • Choose between 10% cashback up to $400 total on spend at select major supermarkets or 32 months of 0% balance transfer fee (T&Cs apply)
Find out more

With a competitive 13.99% p.a purchase rate and a $55 annual fee, waived in the first year, the St. George Vertigo Card is an appealing choice for everyday spending. If you apply and are approved for this card before 30 November 2023, you can choose to have 0% balance transfer fees for 32 months - after which any remaining balance transfer amount will be charged at the 21.49% cash advance rate. Otherwise, opt for the cash back offer with a 10% cash back at select supermarkets up to $400 total (T&Cs apply).

American Express - Essential Credit Card
  • Earn up to 1.25 points per $1 spent (T&Cs apply)
  • Receive $100 back when you apply, are approved, and spend $1,500 on eligible purchases on your card in the first 3 months
  • No annual fee
Find out more

The experts were impressed with the American Express Essentials Credit Card, allowing it to take out the 2022 Mozo Experts Choice Award^ for Best Rewards Credit Card. You can earn 1.25 points per $1 spent on purchases in Australia excluding government bodies, where you can earn 1 point per $1 spent. You can also choose to transfer your points to a range of airline programs, including Virgin Australia’s Velocity and Emirates’ Skywards. This card also comes with some additional bonuses, like Smartphone screen protection when you use it to pay for your phone outright, and no fee for additional cardholders. New members can also receive $100 back when they apply online, are approved, and spend $1,500 on eligible purchases within the first 3 months. The purchase rate on this card is 18.99% p.a., and there is no annual fee attached. However, there is a $30 late payment fee to keep in mind if you do not meet the minimum payment required.

NAB - Low Rate Credit Card
  • 0% p.a balance transfer rate for 32 months (0% BT fee)
  • 12.49% p.a. purchase rate
  • $59 annual fee (waived in the first year)

Mozo’s experts took notice of NAB’s Low Rate Card in the 2022 Mozo Expert’s Choice Awards^ Best Balance Transfer Credit Card category. Offering a competitive 0% p.a. balance transfer rate for 32 months (with no balance transfer fee), this card could be an attractive option for those trying to pay down some debt. Just be aware that after the 32 months, the remaining balance will accrue interest at the cash advance rate of 21.74% p.a. This card is quite a standout aside from its balance transfer offer, with a 12.49% p.a. purchase rate and $59 annual fee (waived in the first year). There is a late payment fee of $15, so you’d better not slip on those due dates!

These offers are coming to a close soon, but if you’re looking for some other great options, Mozo’s Expert’s Choice Awards have you covered for the best credit cards as selected by our expert panel.

See if you could save by changing up credit cards with our Switch and Save Calculator.

^See information about the Mozo Experts Choice Credit Card Awards

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