Credit Cards For Christmas

The credit cards for Christmas are a selection of great value offers that could help manage your money more effectively over Christmas. For more information on shopping with credit cards, read our Christmas shopping guide. Our range of recommended credit cards for Christmas includes:

• Great interest rates on purchases, pay 0% to allow some breathing space on interest charges at Christmas
• Cards that offer interest free purchase periods in many department stores, from 6 months up to 5 years
• Some of the best current balance transfer options to move your current debt over to a new card and get a firm grip on your finances for Christmas
Please note that all these offers are still available in 2013. We look forward to Christmas in 2013

  • ANZ Low Rate Platinum offers 0% on balance transfer for the first 9 months with a low interest rate of 13.14% p.a. ongoing. A minimum income of $50K is required

  • Pay 0% p.a. on purchases, balance transfers and cash advances and for the first 6 months with ~half annual fee 1st year. Standard purchase rate of 11.99% p.a. (12.99% p.a. from 1 October).

  • Reduced annual fee of $99 for the first year and 15,000 bonus velocity points. 2 Single Entry passes to the Virgin Australia lounge per year and free travel insurance. Min Income $40K.

  • 0% p.a. on purchases for the first 6 months. Awesome value on the introductory offer from Westpac on one of the top low interest rate credit cards in AU

  • A Gold credit card that offers a low purchase rate with a high credit limit, $0 annual fee for the first year and overseas travel insurance and more

  • 0% Balance Transfer for 6 Months and Interest Free purchases for up to 5 years at over leading 1,000 retailers in Australia mean this is one of the best no annual fee credit cards available.

  • 0% on purchases for 4 months and 0% on balance transfer for 6 months. Fantastic low interest rate credit card - the intro rate reverts to one of Australia's lowest at just 11.99% p.a.!

  • Commbank Awards Credit Card offers 0% p.a. on purchases for 5 months with up to 1.5 Awards points for every $1 spent on the American Express card

  • American Express David Jones is offering you a choice between a bonus 15,000 Membership Rewards Points or 11,250 Qantas Frequent Flyer points when you spend outside of store 3 times.

  • This special offer on ANZ's low interest rate card is outstanding, pay 0% p.a. on a balance transfer for 9 months which reverts to the low purchase rate afterwards. Please note offer is online only

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  • Cash Advance
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About

The Christmas credit cards are a selection of the best offers available in market, the offer you choose should be based on what works best for your finances right now.

  • Purchase rate offers - 0% offers mean you pay no interest until the end of the introductory period (usually for 5 - 6 months currently). Use these cards to enjoy no interest charges on purchases made for Christmas - then focus on paying them off within the 5/6 months available.
  • Interest free purchases are available from the 180 card and HSBC credit card. These range from 6 months onwards, but check the terms and conditions closely. You can then make the purchases for Christmas and focus on paying them off with breathing space from interest charges.
  • Balance transfer offers enable you to transfer your current credit card balance over to a new card, and pay the low introductory rate (often 0%) for an extended period. Use this time to set a repayment budget to pay off the balance and get your finances back on track for 2013
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