Whether you are looking for a balance transfer credit card, a low-rate card, a card with no annual fee, a rewards points or platinum level card, or even a credit card comparison for your small business, you can find a card that suits your needs at InfoChoice. [Related Reading: Best credit cards for Christmas] Here are our current top 5 best credit cards in Australia available on InfoChoice, in December 2019. 5 top credit cards in December 2019 Suncorp Clear Options Platinum Visa credit card has a special offer of zero interest on purchases for the first 14 months. Plus you can also get a balance transfer rate of zero per cent pa for the first 14 months for an annual fee of $129 (Currently $49 for first year) and up to 55 days interest-free. The Qantas American Express Ultimate credit card is promoting an offer of 55,000 bonus Qantas Frequent Flyer (QFF) points when apply online, are approved and spend $3,000 on your new card within the first three months. This card has up to 44 days interest-free then a purchase interest rate of 20.74 per cent pa and an annual fee of $450, with $450 of bonus Qantas travel credit each year. Virgin Australia’s Velocity Flyer Visa credit card has a discounted annual fee (50% off) of $64 in the first year, with a balance transfer rate of zero per cent pa for 6 months (plus a 1% BT fee) and % p.a. purchase interest rate for up to 14 months. This card gives you a $129 Virgin Australia Gift Voucher each year with up to 55 days interest-free, then a purchase interest rate of 20.74 per cent pa. The Latitude 28 Degrees Global Platinum Mastercard has a purchase interest rate of 21.99 per cent pa with up to 55 days interest-free. This card offers free global WiFi access through 1 million hotspots, no annual fee, no currency conversion fees and no international transaction fees on purchases. The Citi Clear Platinum Credit Card has a purchase interest rate of 12.99 per cent pa, up to 55 days interest-free and an annual fee of $99. Right now, in December 2019, Citi is offering a 0% pa rate on purchases and balances transferred for the first nine months. *Disclaimer: Citi credit card product names have changed effective 20 Jan 2020 as following: Citi Clear Platinum is now Citi Clear; Citi Rewards Platinum is now Citi Rewards; Citi Signature is now referred to as Citi Premier; Citi Signature Qantas now known as Citi Premier Qantas. You can compare Australia’s top credit card deals from banks and other credit card issuers in December 2019 at InfoChoice. The products compared in this article are chosen from a range of offers available to us and are not representative of all the products available in the market and influenced by a range of factors including interest rates, product costs and commercial and sponsorship arrangements InfoChoice compares financial products from 145 banks, credit unions and other financial institutions in Australia. InfoChoice does not compare every product in the market. Some institutions may have a commercial partnership with InfoChoice. Rates are provided by partners and taken from financial institutions websites. We believe all information to be accurate on the date published. InfoChoice strives to update and keep information as accurate as possible. The information contained on this web site is general in nature and does not take into account your personal situation. Do not interpret the listing order as an endorsement or recommendation from us. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. If you or someone you know is in financial stress, contact the National Debt Helpline on 1800 007 007.