Top 5 Credit Card Offers — January 2021
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Top 5 Credit Card Offers — January 2021

Katie Douglass

Katie Douglass

26/03/2021 • 1 minute read

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Whether you’re looking to sign up for a credit card or switch to a new one, it can be tricky to find the right one for you when there’s hundreds out there on the market. Luckily for you, we’ve put together the top 5 credit card offers as of January 2021 to help you compare.

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It’s important to keep in mind there’s no one perfect credit card for everyone. To help you find the right product, consider which features are important to you, look at how long offers last for, and what eligibility requirements are included.

Please note, the information shown in the following table reflects the current rates offered by financial providers. Products are ranked by lowest purchase rate as of January 2021. Ensure you check upfront with your credit card provider to further understand if their product meets your needs.

Product Purchase Rate Balance Transfer Rate Annual Fee Interest Free Period
Bendigo Bank Low Rate Credit Card 0% p.a. for 15 months, then 11.99% p.a. 13.99% p.a. $45 55 days
Coles No Annual Fee Mastercard 0% p.a. for 12 months, then 19.99% p.a. 0% p.a. for 12 months, then 19.99% p.a. $0 55 days
ANZ Low Rate Credit Card 12.49% p.a. 0% p.a. for 25 months, then 20.4% p.a. $0 for first year, then $58 p.a. 55 days
Westpac Low Rate Card 13.74% p.a. 0% p.a. for 24 months, then 21.49% p.a. $59 55 days
St. George Vertigo Classic 13.99% p.a. 0% p.a. for 24 months, then 21.49% p.a. $0 in the first year, then $55 p.a. 55 days

*Rates are subject to change over time. 

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Oiyo is a consolidated online resource, we are not financial advisors. We work with a range of industry professionals and compliance check our articles to ensure factual accuracy. However, we do not provide professional financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented in this article relate to your unique circumstances.


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Katie Douglass

Written by Katie Douglass

Katie Douglass is the Communications Manager at Oiyo and a writer. In recent years, Katie's work has appeared in publications such as Marie Claire, InStyle, and THE ICONIC. She has a Bachelor of Creative Industries in Fashion Communication & Journalism from the Queensland University of Technology. At Oiyo, Katie is responsible for overseeing editorial strategy.

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