By WhistleOut
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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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2.9% Balance Transfers
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$99Current Deal
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10.99%
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2.9%for 9 months
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More details...
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0% Interest & Annual Fee Halved
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$99Save $50
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0%
for 6 months
then 11.99%
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0%for 6 months
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Go to site
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0% Purchases + Balance Transfers
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$59Current Deal
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0%
for 4 months
then 11.99%
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0%for 6 months
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Go to site
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0% Purchases + Balance Transfers
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$89Current Deal
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0%
for 4 months
then 11.99%
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0%for 6 months
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Go to site
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0% Purchases + Balance Transfers
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$99Current Deal
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0%
for 4 months
then 11.99%
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0%for 6 months
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Go to site
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$55
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12.74%
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-
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Go to site
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0% Purchase Rate for 5 Months
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$78Current Deal
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0%
for 5 months
then 12.99%
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5.99%for 5 months
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More details...
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0% Purchase Rate for 5 Months
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$120Current Deal
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0%
for 5 months
then 12.99%
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5.99%for 5 months
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More details...
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$0 Annual Fee For First Year
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$55Save $55
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13.24%
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2.99%for 6 months
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Go to site
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$0 Annual Fee For First Year
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$55Save $55
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13.24%
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2.99%for 6 months
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Go to site
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$55
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13.24%
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2.99%for 6 months
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Go to site
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0% Interest on Purchases
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$45Current Deal
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0%
for 6 months
then 13.49%
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3.99%for 6 months
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Go to site
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$55
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13.49%
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0%for 6 months
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More details...
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$59
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13.99%
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4.99%for 6 months
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More details...
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$99
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14.50%
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-
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Go to site
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$0 Annual Fee For First Year
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$79Save $79
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15.99%
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-
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Go to site
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$0 Annual Fee For First Year
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$89Save $89
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15.99%
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3.99%for 6 months
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Go to site
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$0 Annual Fee For First Year
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$79Save $79
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15.99%
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-
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Go to site
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$0 Annual Fee For First Year
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$89Save $89
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15.99%
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3.99%for 6 months
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Go to site
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$79
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15.99%
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-
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Go to site
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$89
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15.99%
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3.99%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.
Bonus 16,000 Qantas Frequent Flyer Points
Receive a bonus 16,000 Qantas Frequent Flyer points if you use your card for an eligible purchase before 31 October 2012. Receive an additional Qantas Frequent Flyer point per dollar over $30 spent at Woolworths, BWS or Big W.
This offer from Woolworths includes:
- 16,000 Bonus Qantas Frequent Flyer Points
- 5.99%p.a. on balance transfers for 6 months
- Earn up to 1 point per dollar spent
- Low annual fee of $89
0% p.a. on Purchases For 9 Months
The supermarket battle is on and it's a great time to take advantage of credit card deals. Woolworths are offering their Everyday Money Credit Card at just $49 annual fee, with up to 3 points per dollar spent. As a bonus they are also offering an introductory interest rate of 0% pa on purchases for the first 9 months.
Woolworths Everyday Credit Card offers:
- 0% p.a. on purchases for 9 months
- 5.99% pa for 6 months on balance transfers
- Up to 3 points per $1 spent
- Low annual fee of just $49
- Up to 55 days interest free
0% pa on Purchases For 6 Months
No annual fee and 0% pa on purchases for the first 6 months are just two features of this enticing offer from American Express. Add to that a BONUS of up to 7500 Qantas Frequent Flyer points!
This offer from Westpac includes:
- 0% pa for 6 months on purchases
- $0 annual fee
- Bonus 7500 Qantas Frequent Flyer points
- Earn up to 1 point per dollar spent
BONUS 40,000 Reward Points
This platinum level credit card offer from ANZ entitles new applicants to 40,000 bonus reward points when they apply before 31 August 2012. Enjoy platinum benefits such as overseas travel insurance, ANZ car rental cover, purchase security insurance, and ANZ Falcon™ fraud protection.
Virgin Money credit card deal includes:
- Bonus 40,000 Reward Points (equal $100 gift card)
- ANZ Falcon™ fraud protection
- Up to 55 days interest free
- Earn up to 3 points per dollar spent
Coles Mastercard - No Annual Fee
Coles has combined the humble credit card with their FlyBuys program to produce the Coles MasterCard. Earn FlyBuys points when you use your card, and then redeem the points at Coles stores. Take advantage of the FlyBuys partner network to earn bonus points.
This new credit card from Coles includes:
- Earn 1 FlyBuys point per dollar spent
- 19.99% pa interest rate on purchases
- Up to 62 days interest free
- MasterCard PayPass purchases under $100
Low Interest Credit Cards
With more people using credit cards, there has been an increase in the amount of credit card variants available to consumers. One strategy has been to lure potential customers via a low rate credit card which features a low rate of interest charged on purchases rather than a rewards program.
A low interest rate is simply defined as rate which is considerably lower than the standard interest rates offered on many credit cards. This may be either a low ongoing rate for the life of the card or a low introductory interest rate which will revert back to the standard rate of interest after a set period of time, or a combination of the two.
Interest on purchases is usually charged if you don’t pay your balance off in full before the expiration of the interest free days available. When there are interest free days available on a credit card, these interest free days include the month in which the purchase is made. An example of a 55 day interest free period works like this:
- You get your credit card and activate it. This commences your statement period
- You make your first purchase on the same day
- Your statement will conclude after 30 days, totaling all of your purchases in the period
- When your statement comes, you then have up to 25 days to make the full payment on that activity before you will be charged interest. The 30 days since first purchase and the 25 days to pay makes up the 55 day interest free period
A low interest credit card might be appealing to those who don’t manage to pay off their credit card balance in full every month or who regularly make large purchases with their credit card. High interest rates can quickly increase your debt and can cripple you with large monthly payments, therefore a lower rate of interest can save a substantial amount of money in interest costs.
Before applying for a low interest rate credit card, be sure to check all the finer details and read the small print. The interest charged on a credit card is basically a fee payable to the bank for the privilege of being able to borrow their money. In this way low interest credit cards are not as profitable for banks so they may try to compensate for this by charging for other fees such as an annual fee, higher cash advance rates and late payment fees. It is important to review all features before selecting your ideal card.
If the low interest rate offered is for an introductory period only, be sure also to check the rate that the interest will revert to. This could be higher than many of the standard rates of interest currently available. Try and repay as much of your debt as you can within the lower rate period before the rate reverts to the higher standard variable rate. An introductory rate is often referred to as a honeymoon rate.
In correlation with low annual fee credit cards, a down side to low interest credit cards can be the lack of additional features such as extended purchase warranty, bonus insurances or emergency cover. It is worth considering all of the features offered by a credit card, not just looking at the interest rate are as other features can also be valuable and save you money in other ways.
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.