Top credit cards of 2019: Mozo Editors picks

New year, new you, new credit card! The right piece of plastic can be a super handy way to squeeze extra value out of your spend, or to manage your month-to-month costs a little better. So if one of your resolutions was to “spend smarter” this year, a new card might be part of that.

But picking the best credit card can be a tricky choice to make, and will come down to what you want the card for. Love a freebie? A rewards card might be the pick for you. Probably going to carry a balance for a while? Try a low rate option.

So if you’re in need of a new piece of plastic to get 2019 underway, check out some of our editors’ top picks:

For big spenders...

ANZ - Frequent Flyer Black
  • 120,000 Bonus Qantas Points when you spend $7,500 in the first 3 months
  • $150 cashback to your new card when you spend $7,500 in the first 3 months
  • 75 Bonus Status Credits when you book and travel on two new Qantas flights by 30 June 2019
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Shopping up a storm on your to-do list this year? With the ANZ Frequent Flyer Black in your pocket, you’ll earn 1 Qantas Point per $1 spent, up to $7,500 per statement period. Plus you can score a boatload of bonus points, cashback and coveted Status Credits for Qantas Frequent Flyers.

For everyday shoppers...

Woolworths - Everyday Platinum Credit Card
  • $0 annual fee in the first year
  • 0% p.a. balance transfer for 14 months (reverts to the variable cash advance rate)
  • Save up to $50 on your Woolworths shop each month
Find out more

The Woolworths Everyday Platinum card has all the makings of a great everyday spending tool. No annual fee in the first year? Check. Save up to $50 on your Woolworths shop each month? Check. A $50 Woolworths eGift Card when you apply by 31 Jan 2019 spend $150 a month for the first 3 months? Check. There’s a lot to love here, so make sure you check it out.

For keeping costs under control…

ME - frank Credit Card
  • 11.99% interest rate
  • $0 annual fee
  • Up to 55 interest free days
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If a simple piece of plastic without the bells and whistles - or a massive price tag - is what you’re after in 2019, then Frank might just be the card for you. With a low interest rate, no annual fee and access to exclusive Mastercard deals and offers to sweeten the deal, it's hard to go past this humble option. It also comes in sleek black or neat white.

Qantas Money - Qantas Premier Platinum
  • Up to 100,000 bonus Qantas Points (conditions apply)
  • Complimentary travel insurance
  • $149 annual fee in the first year ($299 after)
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A travel lovers new best friend, the Qantas Money Qantas Premier Platinum Mastercard comes packed with perks. You’ll score 70,000 bonus Qantas Points when you spend $3,500 within 90 days of card approval, and an extra 30,000 bonus points after you’ve had the card for a year and paid the next year’s annual fee.

If you spent too much at Christmas…

Citi - Rewards
  • 0% balance transfer offer for 24 months (1.5% BT fee applies)
  • $49 annual fee in the first year ($149 after)
  • Up to 55 interest free days on regular spending
Find out more

Ok, we’re all guilty of overspending sometimes. If you’ve got a lingering credit card bill that you’re keen to get rid of once and for all in 2019, check out this balance transfer offer from Citi. With 0% interest on transferred balances for 24 months (1.5% BT fee applies) and low $49 annual fee in the first year, there’s plenty of breathing room to get you back on track.

Didn’t find your perfect match? Head over to our credit card comparison table to check out some more options.

^See information about the Mozo Experts Choice Credit Card Awards

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