Ratehacker: September’s Best Credit Card, Savings Account And Home Loan Deals

In our monthly Ratehacker round-up, Bessie Hassan from comparison site finder.com.au highlights the latest credit card deals, plus the best savings accounts and home loans. This month’s deals include 70,000 bonus frequent flyer points, super-cheap home loans and

Credit Cards

Feature: Bonus Virgin Australia Velocity points

American Express Velocity Platinum Card: 70,000 bonus Velocity Points To earn the 70,000 bonus points, you’ll need to apply through finder.com.au before 17 September 2018 and spend $3,000 on the card in the first 3 months. The card earns 1.5 Velocity points per $1 spent, with an extra 1 point for $1 for Virgin Australia purchases, and also includes two Virgin Australia single visit domestic lounge passes and two American Express Lounge invites for Sydney or Melbourne international. The annual fee is $395.

Feature: 0% balance transfer

Citi Rewards Platinum Credit Card: 0% per annum balance transfer for 26 months This card gives you 26 months to pay off your transferred balance without attracting extra interest. Note that there’s a one-time 2.5% balance transfer fee. The annual fee is also reduced to $49 for the first year (it’s $149 per year subsequently).

Home Loans

Feature: Variable rate home loan

UBank UHomeLoan (Variable Rate) : 3.59% per annum comparison rate A frequent Ratehacker pick, the comparison rate for this loans remains one of the lowest on the market right now, a key consideration as we’re seeing rate rises across many of the majors. To qualify, you’ll need to be an owner-occupier borrowing between $200,000 and $700,000. As with most lower-rate loans, you’ll need at least a 20% deposit saved.

Feature: Fixed rate home loan

loans.com.au Smart Loan: 3.94% per annum fixed comparison rate for 2 years If recent rises are making you nervous, a fixed rate can make sense. To score this rate, you’ll need to be borrowing between $50,000 and $1 million and have at least 20% of your deposit saved.

Savings Accounts

Feature: Introductory interest rate

RaboDirect High Interest Savings Account: 3.05% per annum rate for 4 months After the introductory offers expires, this reverts to an industry-standard 1.80% per annum. There are no account keeping fees or minimum deposit requirements.

Personal Loans

Feature: Car loan

Beyond Bank Low Rate Car Loan: 5.97% per annum comparison rate This fixed-rate loan is available for new car purchases only. There’s an offset feature so you can make extra repayments to reduce your interest.

Travel Insurance

Feature: Policy discount

World2Cover Travel Insurance: 10% off travel insurance Receive a discount on your travel insurance with this finder.com.au exclusive coupon.

Bessie Hassan is the money expert for finder.com.au which includes tools to compare credit cards, savings accounts, energy deals, insurance, cryptocurrencies, mobile & broadband plans, and a constantly updated database of discounts and coupon codes. Connect with Bessie on Twitter.