Top credit cards for every spender in December - find your plastic match

Credit cards every spender december content

Fancy a new piece of plastic waiting for you under the Christmas tree? Well there are plenty of great credit cards for Santa to choose from, no matter whether you’re looking to stack up some freebies, spend up a storm or get rid of lingering debt.

But sometimes, it can feel like there are too many cards to which one is right for you. In fact, there are over 200 credit cards in Mozo’s database right now, ranging from no-frills-no-fuss options, right through to premium cards with more bits-and-bobs attached than a fully decked out Christmas tree.

So to help you narrow down your search, we’ve rounded up a handpicked list of credit card offers to suit every spender this December.


American Express Explorer® Credit Card
American Express
  • 50,000 bonus rewards points

  • $400 annual travel credit

  • $395 annual fee

What’s on offer

There’s so much value jam-packed into the Amex Explorer card that it’s hard to know where to start. Whether you’re in it for 2 rewards points per $1 spent, 50,000 bonus points when you spend $1,500 on your card within the first 3 months or complimentary overseas travel insurance, there’s something for every rewards lover - particularly those about to head out on a round-the-world trip.

ANZ Frequent Flyer Black
  • 75,000 bonus Qantas points and 75 Status Credits

  • $0 annual fee in the first year ($425 after)

  • 2017 Mozo Experts Choice Award winner

What’s on offer

For holders of the ANZ Frequent Flyer Black it’s all about the luxurious extras on offer. Not only will you net a bucket-load of bonus points when you spend $2,500 in the first 3 months and coveted Status Credits by buying and flying return with Qantas by 31 May 2018, you’ll also score 2 free Qantas Club Lounge invitations each year, a personal concierge service and a host of free insurance covers.


Bank Australia Low Rate Visa
Bank Australia
  • Low 9.39% purchase rate

  • $0 late payment fee

  • $59 annual fee

What’s on offer

If you’re concerned that your habit of carrying a balance will see you rack up a tonne of debt, then the Bank Australia Low Rate Visa could be your credit card answer. With a low interest rate and no late payment fee, this plastic will minimise the damage done to your budget if you miss a monthly repayment. You’ll also have access to Apple Pay, Android Pay and payWave, to make spending a breeze.

Coles No Annual Fee Mastercard
  • $0 annual fee

  • 19.99% purchase rate

  • $100 off a Coles supermarket shop

What’s on offer

Looking to spend but don't want to pay the pesky annual fee to do so? Look no further. As well as having no annual fee, the Coles Mastercard also comes with a points earn rate of 1 Flybuys point per $2 spent, to add value to your shop. Apply before 31 December 2017 and make a purchase in the first month of having the card and you can also snag $100 off a Coles shopping trip.


Westpac Low Rate
  • 0% balance transfer period for 24 months (2% BT fee)

  • 13.49% purchase rate

  • $59 annual fee

What’s on offer

If you need some breathing room to clear a credit card debt that’s been hanging over your head, then the Westpac Low Rate card might be just the ticket. With this exclusive offer, you’ll have a leisurely 24 interest free months to pay off your lingering credit card balance, after which, any balance leftover will start attracting interest at the 21.49% cash advance rate. Once you’ve paid it all off, you’re left with a no frills card for affordable spending.

Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer
Virgin Money
  • 0% balance transfer for 6 months

  • 0% purchase rate on new spends for 12 months

  • $129 annual fee

What’s on offer

For a little help beating that niggling credit card debt, check out the Virgin Money Velocity Flyer Card. You’ll have a sweet 6 months to pay off existing debt, and a year of interest free new spending on this card. For travellers, you can also get exclusive reduced flights deals with this plastic, and the $129 travel voucher you’ll receive each year neatly balances out the $129 annual fee.

^See information about the Mozo Experts Choice Credit cards Awards

Didn’t find your perfect match? No worries - there’s plenty more where that came from. Head over to our credit card comparison table to check out some more options.