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Card
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Rewards Points
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Annual Fee
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Interest Rate
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Balance Transfer
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Bonus 10,000 Money Back Reward Points- Bonus Rewards Points Offer
- Earn Woolworths Reward points for every $1 spent
- Low Annual Fee
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up to3
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$49Current Deal
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19.84%
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5.99%for 6 months
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More details...
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- Earn flybuys points for every $1 spent
- Low Annual Fee
- Redeem Instant Discounts at Coles Supermarkets
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3
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$49
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19.99%
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-
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More details...
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- Earn flybuys points for every $1 spent
- Low Annual Fee
- Redeem Instant Discounts at Coles Supermarkets
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3
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$49
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19.99%
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-
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More details...
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15,000 Bonus Membership Points or 11,250 Qantas Frequent Flyer Points- Choose Membership Rewards or Qantas Frequent Flyer points
- Bonus Points Offer
- Complimentary David Jones In-store benefits
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up to3
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$99Current Deal
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20.74%
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-
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Go to site
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10,000 Bonus points - Earn Membership Rewards Points as you spend
- Complimentary Return Domestic Flight every year
- Range of Complimentary Insurances
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up to3
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$195Current Deal
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20.74%
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-
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Go to site
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- Earn Rewards Points for every $1 spent
- 15 Month Balance Transfer Offer
- Range of Complimentary Insurances
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up to3
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$199
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20.99%
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1.5%for 15 months
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Go to site
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0% Purchase Rate for 5 Months- 5 Month Purchase Interest/ Balance Transfer Offer
- Earn Awards Points or Qantas Frequent Flyer Points (Direct Earn Option)
- Range of Complimentary Insurances
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up to3
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$280Current Deal
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0%
for 5 months
then 20.24%
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5.99%for 5 months
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More details...
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50,000 Bonus Velocity Reward Points- Earn Velocity Points for every $1 spent
- Bonus Points Offer
- Complimentary Virgin Australia Domestic Flight Every Year
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up to3
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$349Current Deal
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20.74%
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-
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Go to site
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- Earn Membership Reward Points as you spend
- Complimentary Insurances
- Free Economy Return flight or 1 Night Hotel Stay per year
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up to3
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$395
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20.74%
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-
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Go to site
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- Earn Rewards Points as you spend
- Bonus Points Offer
- Platinum Travel Benefits
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up to3
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$900
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N/A
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-
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Go to site
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Half Annual Fee + 15,000 Bonus Points- Earn Velocity Points for every $1 spent
- Bonus Points Offer
- Complimentary Insurances
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up to2.5
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$199Save $100
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20.74%
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-
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Go to site
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7,500 Bonus Velocity Reward Points- No Annual Fee
- Earn Velocity Points for every $1 spent
- Bonus Points Offer
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up to2
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$0Current Deal
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20.74%
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-
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Go to site
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Balance Transfer & 10,000 Bonus Points- 6 Month Balance Transfers + Bonus Points Offers
- Choice of 2 cards with one account
- Earn Altitude Points for every $1 spent
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up to2
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$100Current Deal
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19.99%
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3.99%for 6 months
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Go to site
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16,000 Bonus Points - Earn Reward Points for every $1 spent
- 6 Month Balance Transfer Offer
- Range of Complimentary Insurance Covers
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2
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$130Current Deal
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19.49%
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0%for 6 months
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Go to site
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0% Purchase Rate for 5 Months- 5 Month Purchase Interest/ Balance Transfer Offer
- Earn Awards Points or Qantas Frequent Flyer Points (Direct Earn Option)
- Range of Complimentary Insurances
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up to2
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$144Current Deal
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0%
for 5 months
then 20.24%
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5.99%for 5 months
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More details...
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Balance Transfer & 20,000 Bonus Points- 6 Month Balance Transfers + Bonus Points Offers
- Choice of 2 cards with one account
- Range of Complimentary Insurances
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up to2
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$150Current Deal
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19.99%
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3.99%for 6 months
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Go to site
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- 6 Month Balance Transfer Offer
- Earn Reward Points for every $1 spent
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2
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$199
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20.74%
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0%for 6 months
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More details...
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20,000 Bonus Qantas Frequent Flyer Points- Earn Qantas Frequent Flyer Points
- Bonus Points Offer + 6 Month Balance Transfer Offer
- Range of Complimentary Insurances
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up to2
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$199Current Deal
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20.99%
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0%for 6 months
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Go to site
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4.9% Balance Transfers & 60,000 Bonus Reward Points- Citibank Rewards or Citibank Qantas Rewards Program
- Bonus Reward Points
- 9 Month Balance Transfer Offer
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2
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$700Current Deal
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20.74%
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4.9%for 9 months
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Go to site
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4,000 Bonus Points Offer - Earn Reward Points for every $1 spent
- 6 Month Balance Transfer Offer
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1.5
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$70Current Deal
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19.49%
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0%for 6 months
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Go to site
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0% Purchase Rate for 5 Months- 5 Month Purchase Interest/ Balance Transfer Offer
- Earn Awards Points or Qantas Frequent Flyer Points (Direct Earn Option)
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up to1.5
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$89Current Deal
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0%
for 5 months
then 20.24%
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5.99%for 5 months
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More details...
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8,000 Bonus Points Offer - Earn Reward Points for every $1 spent
- 6 Month Balance Transfer Offer
- Range of Complimentary Insurance Covers
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1.5
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$120Current Deal
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19.49%
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0%for 6 months
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Go to site
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17,000 Bonus Points + 1% Balance Transfers- Receive 2 cards with one account - AMEX and Visa
- 12 Month Balance Transfer Offer
- Seven Complimentary Insurances
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up to1.5
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$150Current Deal
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19.99%
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1%for 12 months
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More details...
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Reduced Annual Fee- Earn Citibank Rewards Points for every $1 spent
- 15 Month Balance Transfer Offer
- Discounted Annual Fee in First Year
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1.5
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$395Save $196
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20.99%
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1.5%for 15 months
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Go to site
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3.9% Balance Transfers & 15,000 Bonus Skywards Miles- Earn Skywards Miles + Bonus Skywards Miles Offer
- Range of Complimentary Emirates Benefits
- 9 Month Balance Transfer Offer
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1.5
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$229Current Deal
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20.99%
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3.9%for 9 months
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Go to site
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1% on Balance Transfers- 2 cards for Maximum Qantas Frequent Flyer Points - AMEX and Visa
- 12 Month Balance Transfer Offer
- Seven Complimentary Insurances
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up to1.5
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$250Current Deal
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19.99%
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1%for 12 months
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More details...
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Balance Transfer & 10,000 Bonus Points- 6 Month Balance Transfer Offer
- Earn Singapore Airlines KrisFlyer miles for every $1 spent
- 2 Cards linked to the one account
- Extended Complimentary Insurances
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up to1.5
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$250Current Deal
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19.49%
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0.99%for 6 months
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Go to site
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Up to 50,000 bonus points- Earn Qantas Frequent Flyer Points for every $1 spent
- Bonus Points Offer
- Range of Complimentary Insurances
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1.5
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$450Current Deal
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20.74%
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-
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Go to site
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7,500 Bonus QFF Points Offer- Earn Qantas Frequent Flyer Points for every $1 spent
- Bonus Points Offer
- Range of Complimentary Insurances
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1.25
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$249Current Deal
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20.74%
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-
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Go to site
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1.9% Balance Transfers - Earn Velocity Points for every $1 spent
- Complimentary Virgin Australia domestic seat (conditions apply)
- Range of Complimentary Insurances
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1.25
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$289Current Deal
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20.99%
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1.9%for 6 months
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Go to site
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Current Credit Card Deals & Offers
The market for credit cards is constantly changing so it can be hard to find the best credit card deals. Whether you want a low fee, low interest, balance transfer, or Frequent Flyer rewards credit card - you can compare credit card deals here to find the best credit card to suit your needs. Each month we will compare all our credit card offers from major Australian lenders and bring you our pick of new credit card deals. The service is free, but the value is immense!
The deals here include bonus reward points, 0% balance transfer offers, extended interest free credit cards, and many more. Of course not everyone is suited to the same type of credit card, so please ensure you consider the full terms and conditions of each card.
Special Rate: 0% on Purchases for 6 months
This credit card offers 0% pa on purchases for the first 6 months, plus pay just 3.99% p.a. on balance transfers for 6 months (requested when you apply). For a low annual fee of $45 this Westpac Low Rate credit card provides up to 55 days interest free on purchases.
This offer includes:
- 0% pa on purchases for 6 months
- 3.99% pa on balance transfers for 6 months
- 13.49% pa variable interest rate
- Up to 55 days interest free
- MasterCard® PayPass™ or Visa payWave available
2.9% pa on Balance Transfers For 9 Months
Get 2.9% pa for 9 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.
Virgin Money are offering:
- 2.9% pa on balance transfers for 9 months
- Low 10.99% pa variable interest rate
- Up to 44 days interest free
- Additional card holders available
0% on Balance Transfers for 6 Months
Bankwest are currently offering their Zero Gold Mastercard credit card with 0%pa on balance transfers for six months. This credit card is offered for $0 annual fee and includes up to 55 days interest free on purchases.
This Bankwest credit card includes:
- 0% p.a. on balance transfers for 6 months
- 17.99% variable interest rate on purchases
- $0 Annual Fee
- Up to 55 days interest free
0% pa on Purchases For 6 Months
With the Clear Platinum credit card from Citibank you receive 0% pa on purchases, balance transfers, and cash advances for the first six months. You also pay only half the usual annual fee of $99 - just $49 for the first year!
This offer from Citibank includes:
- 0% pa for 6 months on purchases
- 0% pa for 6 months on balance transfers
- 0% pa for 6 months on cash advances
- $49 Annual fee for the first year
Credit Card Types: Low Rate Low Fee Balance Transfer Top Rewards Qantas Frequent Flyer Compare all listed cards
Current Special Offers - All Credit Cards
Rewards Credit Cards
A rewards card is a credit card which offers rewards points for consumer purchases. These cards advertise a point per dollar rate where with each dollar spent, the customer can earn rewards points. The rewards points can then be redeemed with the rewards program from each institution.
The most popular rewards program in Australia is the Qantas Frequent Flyer program which offers flights and other products for redemption with rewards points earned. Other programs include the American Express Membership Rewards program, the Westpac Altitude program, the Velocity (Virgin) program and the Commonwealth Bank Awards program. The membership rewards program is vital in understanding the value of a rewards point earned on a credit card. If you earn one point per dollar with a rewards card, then the redemption rate is key. If one rewards program offers a $100 Myer voucher for 10,000 rewards points an the other program requires 30,000 rewards points, then the earn rate of the card is controlled by the redemption rate within the rewards program.
The Qantas Frequent Flyer program now requires that cards are nomimated as direct earn cards which means that they earn points directly into the Qantas program (in the past, consumers were able to earn points in their native card program and transfer points to Qantas at their discretion). There are direct earn cards available from all the major banks and providers.
With any rewards credit card you will gain maximum benefits if you use your card regularly. The more you spend the more points you earn. The flip side to this is that typically, these cards are not good cards to accrue any debt as they feature higher rates of interest than many other credit cards. Accordingly, it is wise not to choose a rewards credit card if you suspect that you may not be able to pay the outstanding balance in full each month. The interest you will end up paying on your debt will outweigh the benefits gained through rewards.
When used wisely, rewards credit cards can save you money. If you are someone who travels regularly a rewards card offering air miles and other travel bonuses such as complimentary flights, travel insurance or free upgrades all of which can be very valuable. Be sure to check all the fees and charges associated with the rewards card before you commit to applying. There might be a large annual fee or a high cash advance rate.
Also, look into the points scheme associated with the credit card you are considering. You will generally not earn points for balance transfers or cash advances. Are the points you earn capped i.e. can you only earn a certain amount each year? Do the points expire if you don’t use your card for a period of time? What are the redemption options –can you redeem with a mixture of points and money? Are you really aware of what points earned with be worth? Points can be worth different amounts depending on what you buy so it pays to be astute with points purchases and try to get the maximum possible points value.
Some rewards credit cards allow you to build up a collection of rewards points quite quickly. There might be bonus points available to new applicants or through bonus partners that you spend at key retailers regularly. A danger with rewards credit cards is the temptation to overspend just in an attempt to earn more points. Establish an understanding of the points earn rate and the value of each point withing the rewards program, but don’t overspend just to earn points - it will never be worth it – rewards points are just a nice add on to your regular spending patterns.
Compare Credit Cards
Compare credit cards from the following credit card providers...
Disclaimer:
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.