Compare Credit Cards and Personal Loans and find the best deals

Comparing Credit Cards and Personal Finance need not be so difficult. Better Value Finance have compiled information from a variety of sources to help you compare the best finance for your needs. We compare credit cards, personal loans, car finance, home loans and Online Bank Accounts so find the best deals, balance transfers and low interest rates - All ranked and reviewed for you!

Low Interest Rate

Balance Transfer Cards

No Annual Fee

Special Offers on Cards

Platinum & Gold

Airlines Rewards

Rewards Credit Cards

Business

Debit Cards

American Express

MasterCard

Compare Visa Cards

Two Australian credit cards with the same attractive interest rate can have vastly different fees and other costs. Make sure you choose a credit card that is worth what it costs you. Compare credit cards for the most competitive credit card.

Credit Card Articles

Unsecured Personal Loans

Line of Credit

Pay Day Loan

Car Loan

Leasing

Bad Credit Car Loan

Should I Consolidate Debts?

Need to consolidate debts, fund a vacation or take out an unsecured loan? The loan type you decide to go for is dependant upon many factors .

How much you are looking to borrow.
The period for the loan to be repaid.
Which Type of Loan?
Your previous credit history.

Latest Credit Card Offers

Woolworths.
Earn reward points everywhere you use your Everyday Money Credit Card Every 4 months, if you have enough points, you’ll receive an Everyday Money Shopping Card. Whether you want new clothes, cosmetics, electronics or a whole lot more, our rewards are designed with you in mind

Emirates
Enjoy the convenience and luxury of airport lounges, chauffeur drive service and platinum servicing while earning Skywards Miles towards your next Emirates flight.

Aussie MasterCard
The Aussie MasterCard has a special offer of 9.99% p.a. on purchases for the first 12 months* and 5.99% p.a. for balance transfersˆ for the first 12 months is a great deal for a limited time only.

CitiBusiness Gold Business Credit Card
Citibank launch the new CitiBusiness Gold Card which has been specifically designed to take the hassle out of your business banking by providing more of what you need; more time, more benefits and of course, more rewards. Making the CitiBusiness Gold Card altogether a better deal for your business.

BankWest Lite Mastercard
If your current credit card is with one of the big four banks, then you're probably paying too much. The Bankwest Lite MasterCard can help you manage your credit card debt with a guaranteed low rate, now just 10.75% p.a. on purchases.

Transaction Accounts

Savings Accounts

Term Deposits

There are many bank accounts available today, some come with strings attached. Compare & switch to a better deal by finding the Bank Account with the highest interest rates and lowest fees based on how your account will be used

Standard Home Loans

Low Doc Home Loans

Non Conforming Home Loans

Which Home Loan?

Signing up for a mortgage is a major financial decision; if you don't do your homework it can end up costing more than it's worth. The wrong home loan could cost you a fortune – so it’s crucial to compare the one that’s right for you

Credit Issuers

ANZ Bank	Aussie Home Loans	BankSA	Bankwest	Capital Corp
Citibank	Commonwealth Bank	CUA	Diners Club	Earth
Easy Loans	Emirates	GEMoney	HSBC	IMB
Macquarie Bank	MyRate	MyState	NAB	Qantas
Rams	St.George	Virgin	Westpac	Wizard
Woolworths

Important things to consider when applying for a credit card or loan.

Signing up for a credit card or a loan can be a major financial decision; if you don't do your homework it can end up costing more than it's worth. When you're shopping for a credit card, study the numbers and compare. You'll want to find out about the Interest Rate, annual fee, grace period, and more. Consider the following questions before deciding on any credit card:

Is there an introductory rate? How long does it last? Does it apply only to purchases, balance transfers, or both?
When the introductory rate ends, what will my long-term rate be?
Is there an application fee or other processing fees when I sign up?
Is there an annual fee? Is it possible to have it waived the first year?
What kinds of penalty fees apply? Are there late fees, over-the-limit fees, or balance transfer fees?
When and how will my variable Interest Rate be changed?
What is the grace period before interest charges apply?

Credit Card Selection
Two Australian credit cards with the same attractive interest rate can have vastly different fees and other costs. One card may offer rewards or perks that are appealing to you, while the other offers only credit. Think about other services you may need, such as cash advances or balance transfers. Some cards offer more favourable terms for these kinds of transactions than others. Make sure you choose a card that is worth what it costs you. You should also consider whether the credit limit is high enough, how widely the card is accepted, and the plan's other services and features

Be honest with yourself
What are your actual financial habits and credit needs? The way you plan to pay your bills is important when it comes to choosing a card. Carrying a balance every month, instead of paying your balance in full, can drastically change what you are shopping for. Likewise, the credit limit, rewards programs, and other cardmember benefits you apply for require thoughtful consideration. Don't pay extra for anything you can't use, and don't over-extend yourself financially - it can lead to major problems later on.

Consider your credit situation
Do you have good credit? Pat yourself on the back and apply for one of the many low-interest, premium-level platinum or gold cards, or reward cards available.

Consider your spending habits
Will you be running up large bills and carrying a balance? A low-interest card is a must-have. Will you be using your card often but paying off your bill in full each month? A rewards card can be a steal when you're not paying interest! Do you have difficulty handling your credit responsibly? Aim for a card with a lower credit limit, which can help you learn good habits without the danger of incurring excessive debts.

Your Security?
All our online applications have direct secure links to financial institution so you don't have to give your information to a third party.