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Cash back, gift cards and wads of bonus rewards points – credit card providers are pulling out some of their biggest deals to date to get credit cards into the hands of new customers in the lead up to Christmas.

But do these sign up bonuses really deliver bang for your buck? The answer is yes, but only if you’re the right type of customer.


Australia’s finance market has never been more competitive, with plenty of great deals available in the lead-up to Christmas. If you shop around, you’ll find an array of products and prices, offered by more than 100 banks, credit unions, building societies, non-bank lenders and online providers.

Here are some of the best-value home loans, credit cards and savings accounts in Australia right now. (But you'll need to hurry - most are available for one week only!)