When it comes to choosing a credit card, there are a lot of different factors to consider. However, if you’re looking for the best AU bank credit cards in November 2022, there are a few clear contenders.
The first is the ANZ Low Rate Mastercard. This card has an annual fee of only $59, and offers a low interest rate of 8.99% p.a. on purchases and cash advances. You’ll also get up to 55 days interest-free on purchases, and there’s no balance transfer fee.
Another great option is the NAB Classic Credit Card. It has no annual fee, and comes with a low interest rate of just 9.99% p.a. You’ll also get up to 55 days interest-free on purchases, and there’s no balance transfer fee.
Finally, the St.George Vertigo Platinum Credit Card is also worth considering. It has an annual fee of $99, but comes with a low interest rate of 8.99% p.a. and up to 55 days interest-free on purchases. Plus, you’ll get a complimentary Virgin Australia domestic flight each year.
So, if you’re looking for the best AU bank credit cards in November 2022, these are three great options to consider.
If you’re looking for the best AU bank credit cards in November 2022, you’ve come to the right place. We’ve rounded up the top cards from major Australian banks to help you make the best choice for your needs.
Whether you’re looking for a low-rate card, a rewards card, or a card with no annual fee, there’s an option for you. We’ve also included a few tips to help you make the most of your credit card spending.
Top 5 AU Bank Credit Cards In November 2022
1. ANZ First
With the ANZ First credit card, you’ll enjoy a low annual fee of $55 and a competitive interest rate of 12.99% p.a. The card also offers up to 55 days interest-free on purchases, so you can save on interest costs.
Plus, you’ll earn 1 ANZ Reward Point for every $1 spent on eligible purchases. You can also use your points to redeem a range of rewards, including travel, merchandise, and gift cards.
2. Commonwealth Bank Low Rate
If you’re looking for a low-rate credit card, the Commonwealth Bank Low Rate card is a great option. You’ll enjoy a low annual fee of $59 and a low interest rate of 12.99% p.a. on purchases and cash advances.
Plus, you can take advantage of up to 44 days interest-free on purchases. You’ll also earn 1 Cba Reward Point for every $1 spent on eligible purchases, which can be redeemed for a range of rewards.
3. NAB Rewards Platinum
With the NAB Rewards Platinum credit card, you’ll earn 1.5 NAB Rewards Points per $1 spent on eligible purchases. You can also use your points to redeem a range of rewards, including travel, merchandise, and gift cards.
Plus, you’ll enjoy a low annual fee of $45 and a competitive interest rate of 12.99% p.a. on purchases and cash advances. You can also take advantage of up to 44 days interest-free on purchases.
4. Westpac Altitude Black
With the Westpac Altitude Black credit card, you’ll earn up to 75,000 bonus points when you spend $4,000 on eligible purchases within 90 days of card approval. That’s enough points for a return domestic flight with Virgin Australia.
Plus, you’ll earn up to 1.25 Westpac Altitude Points per $1 spent on eligible purchases. You can also use your points to redeem a range of rewards, including travel, merchandise, and gift cards.
5. St.George Amplify Signature
With the St.George Amplify Signature credit card, you’ll earn up to 1.5 Amplify Points per $1 spent on eligible purchases. You can also use your points to redeem a range of rewards, including travel, merchandise, and gift cards.
Plus, you’ll enjoy a low annual fee of $279 and a competitive interest rate of 12.74% p.a. on purchases and cash advances. You can also take advantage of up to 55 days interest-free on purchases.
Tips For Using Your Credit Card
Here are a few tips to help you make the most of your credit card spending:
• Use your card for everyday purchases: If you use your card for everyday purchases, you’ll be able to earn points or cash back on your spending.
• Pay your balance in full: To avoid paying interest on your purchase, make sure you pay your balance in full each month.
• Use a rewards card: If you’re looking to earn rewards, make sure you use a rewards card. This way, you’ll be able to redeem your points or cash back for a range of rewards.
• Use a low-rate card: If you’re looking to save on interest costs, make sure you use a low-rate card. This way, you’ll be able to reduce your overall interest costs.
It’s never too early to start planning for your credit card needs in the future, and with that in mind, we’ve compiled a list of the best AU bank credit cards in November 2022.
Whether you’re looking for a low interest rate, balance transfer offer, rewards program or other feature, we’ve got you covered.
The best low interest rate credit card is currently the ANZ low rate credit card, which offers a low ongoing rate of 8.49% p.a. on purchases. This card also comes with a 0% p.a. balance transfer offer for 18 months, plus no annual fee in the first year.
For those looking for a balance transfer offer, the Citi Platinum Credit Card currently offers 0% p.a. for 24 months on balance transfers (3% balance transfer fee applies). This card also features a low ongoing rate of 13.49% p.a. on purchases and no annual fee.
If you’re after a rewards credit card, the American Express Platinum Edge Credit Card is currently our top pick. This card offers 3 Membership Rewards points per $1 spent on eligible Essentials and up to 5 Membership Rewards points per $1 spent at major supermarkets, as well as a host of other perks.
Finally, for those who need a little help managing their credit card debt, the NAB CashBack Reward Credit Card offers up to 55 days interest free on purchases, plus a 0.5% cashback rewards program on eligible purchases.
So no matter what your credit card needs are, there’s sure to be a great option for you come November 2022.