Are you in the market for a new credit card? Whether it’s your very first credit card or you’re looking to switch credit card companies, our credit card comparison engine can help you find the best offers for you. But what if you don’t have the time to look through dozens of credit card offers to narrow things down? That’s where our monthly top picks come in! Each month we scour the available credit card offers and pick out the best of the bunch. You can find them on our home page listed as “Editor’s Choice” picks at any time. We give you a head start in comparing credit cards. Here are some of September’s top picks, including why we love them.

1. Citibank Clear Platinum Visa

Why we love it: The Citibank Clear Platinum Visa tops our list this month due to its very low 11.49% purchase interest rate and 0% balance transfer introductory offer. Better yet, they give you both of these things (and platinum benefits) with an annual fee of less than $100.

2. Suncorp Standard Visa

Why we love it: The Suncorp Standard Visa is a close second this month with a similar offer combining a low interest rate (12.24%) on purchases with a very low balance transfer rate (1.9%). While the interest rates may be slightly higher than the Citibank Clear Platinum card’s, the annual fee is lower at just $39.

3. ANZ Low Rate MasterCard

Why we love it: The ANZ low rate credit card is another good pick if you’re looking for a balance transfer card. You can get 0% on balance transfers for six months! And when those six months expire your balance will revert to the 13.24% purchase rate — much lower than the cash advance rates many balance transfers revert to with other cards! And did we mention the low $58 annual fee?

4. HSBC Credit Card

Why we love it: Hate paying annual fees? Who could blame you? If you’re looking for a great no annual fee credit card, the HSBC credit card offers no annual fee for the life of the card. The purchase rate might seem high, but if you’re the type of person who pays off their balance in full each month, it’s not a problem. It’s the lack of an annual fee that will really save you money. Want more? How about 0% interest on balance transfers for six months?

5. Suncorp Platinum Credit Card

Why we love it: Sure, the Suncorp Platinum credit card’s 19.99% purchase rate and $205 annual fee might not scream “great deal!” But this card still makes our top picks list this month for one simple reason — it can help you get out of your existing credit card debt. If you have a pile of credit card debt and you’re considering a balance transfer to help you save money, you know most balance transfer rates expire in a few months to a year. But that often isn’t enough time to pay the balance off in full. If you fall into this group, take advantage of the Suncorp Platinum card’s low 3.9% balance transfer rate. No, it’s not as low as those 0% deals, but it won’t expire. That’s right — this balance transfer rate is good for the life of your balance transfer! No more problems with balances reverting to higher rates in a few months, putting you right back in the position you were trying to get out of in the first place.

To learn more about any of these credit cards or to apply for them online today, just visit the links above.  Don’t forget to visit the CreditCardOffers.com.au homepage to see more top picks for this month!