Are you too busy to look through every current credit card offer we have available on the site? Considering offers can change each month, that’s no surprise. It would be rather time consuming to keep an eye on them all. That’s why we’ve made things easier for you!

Every month we highlight the best of the best. You can find our favourite credit card picks for July below. We’ve done the work for you, comparing rates and fees and rewards and more to bring you the credit card offers that really stand out.

Here are our top five credit card picks for July. You can find more of our editor’s picks at CreditCardOffers.com.au.

1. ANZ Low Rate Card

Why we love it: Not only do you get a regular ongoing low purchase rate of 13.24% with the ANZ Low Rate credit card, but you get an outstanding balance transfer offer on top of it! Get 0% interest on balance transfers for six months. And forget about that balance transfer rate reverting to some obscene cash advance rate when the introductory offer expires. It reverts to the regular low purchase rate. Now that’s how you save money with balance transfers!

2. Citibank Clear Platinum Visa

Why we love it: The Citibank Clear Platinum Visa makes our monthly list yet again with its low purchase rate and balance transfer offer. The balance transfer offer matches that of the ANZ Low Rate Card, and you can enjoy a purchase rate of just 11.49%. You’ll pay a higher annual fee after the first year, but for the platinum perks, we think it’s a pretty fair deal.

3. Bankwest Lite MasterCard
Why we love it: The Bankwest Lite MasterCard makes our list of top credit card picks this month as the credit card offer with the lowest ongoing purchase interest rate — just 10.75%. You can also take advantage of a low $59 annual fee and a 3.99% balance transfer rate with this low frills option. But if you don’t care about balance transfer offers, this card would offer a better deal than even our top two picks this month.

4. Suncorp Standard Visa

Why we love it: Here’s another low frills option for you, and it combines an outstanding deal on the annual fee, purchase rate, and balance transfers — the Suncorp Standard Visa. Get a 12.24% purchase rate, a full 12 month balance transfer offer at just 2.9%, and get it all for just a $39 annual fee!

5. Citibank Gold Visa

Why we love it: The Citibank Gold Visa is the one credit card that made our top five in July that isn’t a low interest credit card. Instead this card made our list of top picks for offering the best 12 month balance transfer offer. If you need more than a few months to pay off a balance transfer (to save money on interest you pay on your existing credit card), this 12 month balance transfer rate of just 1.9% should help you out.
Visit the links above to learn more about any of our top five credit card picks for this month. And don’t forget to visit www.CreditCardOffers.com.au every month to stay on top of the best deals currently available in the credit card market!