Stop searching for the best credit card. We have done the hard work. InfoChoice has researched and compared hundreds of cards to find the top deals in Australia. There’s no one single best credit card, as everyone has different needs, different financial circumstances and different spending patterns. There is a number of cards out there that will suit you more than most others, though, and InfoChoice wants you to be able to find the best credit card for you. Comparing credit cards is easy at InfoChoice, no matter what you are looking for. And to make your search even quicker, InfoChoice has collected some of the outstanding promotional offers now being advertised by credit card issuers, researched them and listed some here. You can compare these credit cards with other cards promoting points and other special offers at InfoChoice. InfoChoice’s top balance transfer credit card offer, December 2019: The Virgin Australia Velocity Flyer Visa credit card gives you zero per cent interest for 22 months with a low balance transfer fee of one per cent. There’s an annual fee of $50 and this card also has the opportunity to earn Virgin Velocity Frequent Flyer Points on qualifying purchases. You’ll earn a bonus rate of three points per dollar in the first three months. InfoChoice’s top Frequent Flyer credit card offer, December 2019: The ANZ Rewards Black Card offers you a bonus of 150,000 Rewards Points if you spend $4,000 on eligible purchases within the first three months. The card also gives you unlimited access to airport lounges outside Australia, as well as a personal concierge service to help you with travel planning, gift ideas and restaurant reservations. InfoChoice’s top low-cost credit card offer, December 2019: The Virgin Money Low Rate Visa credit card offers an attractive interest rate of 11.99 per cent p.a. and an annual fee of $49. It’s also useful as a balance transfer card, offering zero per cent for 14 months. You’ll get 55 days interest–free on purchases and also the chance to earn up to $100 cashback in the first three months, but there’s no reward scheme or other perks. Compare credit cards from Australia’s banks and other lenders 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.