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

Ratehacker: October’s Best Credit Card, Savings Account And Home Loan Deals
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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 Qantas bonus points, 26-month balance transfers and low-rate home loans.

Credit Cards

Feature: 0% balance transfer

St.George Vertigo Platinum Credit Card: 0% per annum balance transfer for 26 months This offer gives you up to 26 months to pay off your transferred balance without attracting extra interest. There is a one-time 2.0% balance transfer fee. The annual fee is cut to $0 for the first year (it’s $99 per year after that, still a low fee for a platinum card).

Feature: Bonus frequent flyer points

NAB Qantas Rewards Signature: 90,000 bonus Qantas Points To score the bonus points, you need to spend $4,000 in the first 60 days after card approval. You’ll earn 1 Qantas Point per $1 spent on regular purchases up to $5,000 each month, and then 0.5 Qantas Points per $1 spent up to $20,000. The annual fee on the card is reduced to $295 for the first year (it’s $395 per year thereafter).

Home Loans

Feature: Variable rate home loan

Tic:Toc Live in Loan Variable Rate: 3.58% per annum comparison rate This rate is one of the lowest on the market right now, and Tic:Toc won Best Owner Occupier Home Loan – Variable at the recent finder Awards for its innovative and fast online application process. You’ll need to be an owner-occupier with a 20% deposit saved to apply.

Feature: Interest-only investor home loan

loans.com.au Smart Loan Package Fixed: 4.24% per annum comparison rate fixed for 2 years This interest-only loan is available to both owner-occupiers and investors, but the low rate makes it particularly notable for investors. You can also opt to fix a rate for 3 years. There are no ongoing fees but there is a $300 settlement fee.

Savings Accounts

Feature: High introductory rate

HSBC Serious Saver: 3.10% per annum introductory rate This introductory rate is available for 4 months, after which the rate drops to 1.40% per annum. It’s available on balances up to $1 million. There are no account keeping fees.

Personal Loans

Feature: P2P personal loan

Harmoney Peer-To-Peer Loan: Interest rate from 6.99% per annum With peer-to-peer lending, funds are crowdsourced and interest rates are set individually based on your financial history. That means you can score low rates if you have a solid credit rating. Loan terms are set at either 3 or 5 years, but you can pay the loan off early if you wish.

Travel Insurance

Feature: Policy discount

YouGo 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.

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