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Savers are getting walloped in the current interest rate environment with Canstar data showing the gap between deposit and lending rates has widened to its biggest break in over three years.
Feature article written by David Koch.
Compare leading credit cards from the Australian market today. We have narrowed the list down to what we think are currently the top three credit cards* so you can find the right one for you. Different providers, different features and different bits, all here in one place to get you started. Compare features, choose and apply – it's as easy as that!
| Rating | Product Name | Purchases | Balance Transfer | Annual Fee | |
|---|---|---|---|---|---|
 
4.5 out of 5
|
|
13.14%p.a. | 0%9 months | $58 | Apply NowMore Info+ Shortlist |
| ANZ's Low Rate with 0% on balance transfer for 9 months - which reverts to the low purchase rate | |||||
4 out of 5
|
|
0%for 6 months | 0%6 months | $49 | Apply NowMore Info+ Shortlist |
| Citibank Clear Platinum offers an amazing triple 0 offer. 0% p.a. on Purchases, Balance Transfers and Cash Advances for the first 6 months. Also receive half annual fee first year. APR changing to 12.99% from 1 Oct | |||||
4 out of 5
|
|
0%for 6 months | 3.99%6 months | $45 | Apply NowMore Info+ Shortlist |
| The Westpac Low Rate card offers a great introductory purchase rate of 0% p.a. for 6 months with a balance transfer rate of 3.99% for 6 months which reverts to the low standard purchase rate of 13.49%. | |||||
We know it can be time consuming to compare all the different accounts on the market. We also know that you don't have all the time in the world. To make it easier, we have listed what we think are the top three bank accounts* on creditworld at the moment and put them in one place – here! They are different types of accounts offered by a range of providers, with different types of features.
| Company | Product Name | Maximum Rate | Base Rate | Bonus Conditions | |
|---|---|---|---|---|---|
|
|
4.40%12 months | 2.55% | Max rate is for the first 12 months, reverts to base rate. | Apply NowMore Info+ Shortlist |
| St.George offer this rate for 12 months for a minimum balance of $5,000. St.George offer terms from 1 month to 5 years at various rates | |||||
|
|
5.01%monthly | 4.21% | Monthly bonus rate remains if depositing $200 per month | Apply NowMore Info+ Shortlist |
| RAMS Savings account offers a high 5.01% p.a. variable rate. No monthly fees. | |||||
| Company | Product Name | Monthly Fee | Interest Rate | No Withdrawal Fees | |
|---|---|---|---|---|---|
|
|
$0 | 0.01% | at NAB, Redi ATM's | Apply NowMore Info+ Shortlist |
| NAB's Classic Banking offers no monthly account fees ever (including no fees for going over-drawn) no minimum deposit and a Visa Debit card with payWave facility. | |||||
Looking for a loan but don't know which one will work for you? We have grouped together examples of three different types of loans, so you can begin to understand what's on offer. These loans have been chosen from a range of different providers* and come with various features to suit different types of borrowers, so you can begin to consider what's right for you.
| Rating | Product Name | Advertised Rate | Comparison Rate ** | Setup Fee | Fee | |
|---|---|---|---|---|---|---|
3.5 out of 5
|
|
from 10.99%p.a | from 10.99%p.a | $69 | 0 | Apply NowMore Info+ Shortlist |
| For a limited time with Citibank Ready Credit pay only 10.99% p.a. for 3 years, no annual fees and a low establishment fee of $69. | ||||||
4 out of 5
|
|
from 5.96%p.a | from 5.96%p.a | $0 | 15 | Apply NowMore Info+ Shortlist |
| Bloom home loan offers a great rate on your home loan. See what they can do for you. | ||||||
4 out of 5
|
|
from 5.77%p.a | from 6.67%p.a | $695 | 0 | Apply NowMore Info+ Shortlist |
| Beep Car loans are a car loan broker that offer great rates by working with a number of lenders to provide the best possible rates, and offer free 12 months roadside assistance. | ||||||
** This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
creditworld is one of Australia's leading online financial comparison websites. With creditworld you can find current deals on credit cards, personal loans, bank accounts, home loans, insurance and more.
Established in 2005, we are 100% Australian owned and operated, offering independent information on a wide range of personal finance products. Our aim is to make creditworld the one stop website to help with your personal money management, and also check that you’re getting the best value from your bank right now!
We do not provide financial advice, but do offer our experience and opinion on products and provide as much product information as possible. We also speak to industry professionals for their views and expert analysis. Read our blog or follow us on Facebook or twitter to stay updated.
When choosing a new personal finance product it is important to consider all of the information available before making a decision. Click on the ‘more info’ button to visit that product page and click ‘Compare’ to add it to your shortlist. You can then visit your own shortlist to consider a final decision.
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American Express
ANZ
Aussie
Bank of Melbourne
Bank SA
Bankwest
BOQ
Citibank
Commonwealth Bank
CUA
GE Money
HSBC
ING DIRECT
NAB
RaboDirect
St.George
Suncorp
UBank
Virgin Money
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* The products compared on this page are chosen from a range that CreditWorld.com.au has access to track applications from and is not representative of all the finance products available in the market. The use of terms such as 'Editors Review’, 'Featured', 'Recommended', 'Best' or 'Top' are not product ratings and are subject to our Terms and Conditions. This is general advice only and may not be right for you. Read the provider’s Product Disclosure Statement. You should always consider seeking independent financial advice and your personal financial circumstances when comparing financial products and advice.
Reasonable efforts are made to maintain accurate information. However, information is presented without warranty. Interest rates and fees and charges are subject to change without notice.
