Top Credit Card Rates of 2020

Enjoy 0% p.a. interest on balance transfers for the first 20 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.

Get in the air with a $129 Virgin Australia Gift Voucher each year. Earn 3 extra Velocity points per $1 spent on top of the standard earn rate for the first 3 months (capped at 10,000 points per month. 0% p.a. for 22 months on balance transfers.

0% p.a. for 18 months on Balance Transfers, reverts to cash advance rate thereafter. Earn up to 100,000 bonus Qantas Points when spending $4,000 or more on eligible purchases (T&Cs apply).

Meet Frank, a low rate credit card with up to 55 interest free days, no annual fee and no strings attached. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven.

A simple everyday credit card with $0 annual fee in the first year and 55 days interest free days on purchases when you pay your account in full each month. Includes complimentary insurances. Apply online in just five minutes and receive an answer in 60 seconds. A minimum credit limit of $1,000 applies.

0% p.a. interest on purchases for the first 6 months, plus a low ongoing rate after that mean you can spend with confidence. There's also up to 55 interest free days on purchases to help you manage your budget better.

Enjoy 0% p.a. for 22 months on balance transfers at card application. 1.5% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. Plus, 0% p.a. on purchases for 7 months. Rate then switches to applicable variable purchase rate. First year annual card fee waived for the first year ($55 thereafter). Available to new cards only, Eligibility criteria and T&Cs apply. Offer ends February 9th 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.

Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. T&C’s apply. Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2020^.

This card boasts no annual fee and the option to pay with the Bankwest Halo payment ring. Plus, with no foreign transaction fees and complimentary travel insurance it's a good pick for travel.

Receive 100,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval (T&Cs apply). Be rewarded for your purchases and enjoy premium benefits such as complimentary insurances.

Get 22 months 0% interest on balance transfers at card application (1.5% balance transfer fee applies). Plus, get 0% p.a. on purchases for 7 months. Rate then switches to applicable variable purchase rate. Pay no annual card fee for the first year ($55 thereafter). New cards only, Eligibility criteria and T&Cs apply. Offer ends 9 February 2021.

Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.

Receive 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. 0% p.a. on purchases for 7 months. Rate then switches to applicable variable purchase rate. First year annual card fee waived for the first year ($99 thereafter). Choose between Amplify Rewards or Qantas Frequent Flyer. New cards only, Eligibility criteria and T&Cs apply. Offer ends 9 February 2021.

Enjoy 0% interest for 15 months on new purchases then 10.99% p.a. thereafter. $49 annual fee. Limited time only. Fees, T&Cs apply. New Breeze Mastercard customers only.

0% per annum for 26 months on balance transfers. No Annual Fee for the first year then $199 each year after. Complimentary International Travel Insurance.

Virgin Money No Annual Fee for the life of the card. 0% p.a. for 12 months on purchases (reverts to ongoing purchase rate) and balance transfers (reverts to cash advance rate).