Around this time each month we help you sort through the many credit card offers out there by highlighting the very best of the best. This month is no exception. We know you want to save time around the holidays, so let us help. If you’re looking for a new credit card before the start of the New Year give one of these offers a look.

Here are December’s top five credit card picks:

1. Woolworths Everyday Money Card

Why we love it: Wait. There’s not only one 0% interest offer on the market this month. The Woolworths Everyday Money card offers the same (but for nine months) and another $0 annual fee offer for the first year! The difference? This card doesn’t have a balance transfer offer.

2. Citi Personal Credit

Why we love it: Okay. We love low interest. And as nice as 0% is for a few months, what if you’re looking for a longer-term offer? How about just 4.9% for a full 12 months? Even when that offer expires you’re still left with a reasonable $99 fee for this credit line and a low regular interest rate of 15.59%. Oh, and that 4.9% rate? It’s valid on cash advances too. Beat that with a typical credit card!

3. HSBC Credit Card

Why we love it: The HSBC credit card often makes our top list. And even though it slipped a few spots this month, it’s still a winner with a $0 annual fee every year, a 0% balance transfer rate for six months, and a not-too-shabby 16.99% regular purchase rate. It’s just a well-rounded credit card offer.

4. ANZ Low Rate MasterCard

Why we love it: Add a third to the list. Yes. We have another credit card offer this month offering 0% interest on purchases! This time it’s for the first six months. And when that offer is over, you still get a low 13.49% interest rate. With its low $58 annual fee this is a great no frills credit card, even if it doesn’t have an active balance transfer offer.

5. Westpac 55 Day Classic Credit Card

Why we love it: How could we not make the Westpac 55 Day Classic card our top pick for December with its special interest offer — 0% on purchases for five months? You read that right! Toss in a $0 annual fee for the first year and it’s almost like getting free money! Need a balance transfer? How about 3.99% on transferred balances for six months?

You can apply for any one of our top pick credit card offers this month by clicking the links above. On each card’s information page you’ll find an “Apply Now” button that will take you to a secure online application. Or browse our site for even more attractive credit card offers available this December.

Note: Credit card details were accurate as of the time of writing. Offer details may change at the discretion of each credit card company. Please visit the links above to learn more about the current offers for these credit cards.