The market for credit cards is constantly changing so it can be hard to find current credit card promotions. Whether you want a low fee, low interest, balance transfer, or Frequent Flyer rewards credit card - you can compare credit card promotions here to find a credit card to suit your needs. Each month we will compare credit card offerings from major Australian lenders and bring you a selection of new credit card promotions.
How do we choose the monthly promotions?
Each month, there's a range of promotional offers available from credit card providers and we highlight a selection of notable offers based on the relative size or discount offered by the provider. To qualify for listing on this page, the offer needs to be a special offer beyond the standard product construct offered normally on the credit card. For some of the credit cards on WhistleOut, we can receive commissions if you apply for the credit card. Please ensure you consider the full terms and conditions of each card and that whether the promotional offer suits you at this time.
Up to 50,000 Bonus Qantas Points
Receive up to 50,000 bonus Qantas Points if you apply by 31 January 2015 and make the eligible card spend(s). Offer available to new AMEX Qantas Ultimate cardholders. Pay only $250 Annual Fee for the first year with the Qantas American Express Ultimate Card. Plus pay 0.99% interest on Balances Transferred for the first 6 months. (1% balance transfer fee applies).
This promotion includes:
- Up to 50,000 Bonus Qantas Points
- 0.99% pa on balance transfers for 6 months
- Earn up to 3 points per dollar spent
- Up to 44 days interest free
- Reduced annual fee for first year
0% pa on Balance Transfers For 6 Months
Get 0% pa for 6 months on balances transferred to this Virgin Money Low Rate credit card, and enjoy a great low standard variable interest rate on purchases of just 10.99% pa. Offer available until 4 January 2015.
Virgin Money are promoting:
- 0% pa on balance transfers for 6 months
- Low 10.99% pa variable interest rate
- Up to 44 days interest free
- Additional card holders available
0% pa Purchases and Balance Transfers For 9 Months
The Clear Platinum credit card from Citibank offers 0% pa for 9 months on purchases and balance transfers. You also pay only half the usual annual fee of $99 - just $49 for the first year!
This promotion from Citibank includes:
- Up to 55 days interest free
- 0% pa for 9 months on balance transfers
- Visa 24 hour concierge service
- $49 Annual fee for the first year
Halved Annual Fee First Year
Apply for the BoQ Platinum Visa card before 30th January 2015 and you'll pay half the usual annual fee in the first year.
This promotion from BoQ includes:
- Annual Fee halved in first year, $99 instead of $199
- 0% pa on balance transfers for 12 months
- 55 days interest free on purchases
- Earn Q Rewards as you spend
Low Fee Credit Cards
There's nothing too complicated about a low fee card - it is exactly that, a credit card with little or in some cases, no ongoing annual fees. If you won't be spending regularly or excessively on your credit card, a low fee credit card might be helpful in providing the convenience of a credit card with a low annual fee.
Low fee cards might as well be called low use credit cards as low fee credit cards tend to have higher interest rates for purchases than rewards credit cards so it is best to pay the outstanding balance in full each month if possible. If paying your balance in full each month an option for you, your other option would be a low interest rate credit card which would mean that when you don't pay your balance, you are being charged a low rate of interest.
Low fee credit cards can also have higher rates for cash advances or include other fees you might not have anticipated upfront such as late payment fees. As with any credit product, be sure to read all the small print carefully.
Low fee credit cards with tend not to have the rewards or perks associated with many other credit cards. If you use your credit card to make travel purchases or pay for restaurant bills, a credit card with more reward opportunities (but also higher annual fees) may be more beneficial over time. Take some time to think about your spending trends before simply opting only for the credit card with the lowest fees.
Compare Credit Cards
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WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.
WhistleOut may receive a commission
from some credit card providers.