Credit Card Awards 2021

A big congrats to the credit card winners of Mozo Experts Choice Awards for 2021. No matter what you’re looking for in a new card, whether it’s a competitively low interest rate, no annual fee or the latest in security, the Mozo Experts Choice winners list is a clever way to find a great value credit card.

Mozo Experts Choice Awards 2021 Logo

What are the Mozo Experts Choice Awards?

Now in their eighth year, the Mozo Experts Choice Awards provide a platform to highlight products in the marketplace we believe offer great value to Australians.

“We crunched the numbers on over 222 personal and 48 business credit cards from 75 financial institutions for this year’s awards. That’s a pretty big number and it just shows just how complex the Australian credit card market can be,” said Peter Marshall, Mozo Experts Choice Awards Judge.  

“Every credit card has varying features and benefits, so it is important when looking for a credit card that you choose one that is going to best meet your spending needs and budget. Our credit card awards are split into distinct categories and the winners are different across the categories to meet the many variances that come with credit cards.”

For details on how we crunched the numbers and determined our winners see our 2021 Mozo Experts Choice Credit Card Awards methodology report.

 

Credit Card Provider of the Year

American Express logo

2021 marks the fifth year in a row that American Express has taken out the Credit Card Provider of the Year award. This year they took out an incredible 14 awards across both consumer and small business cards, in categories ranging from low rate to frequent flyer rewards cards, and everything in between. The breadth of their awards shows how American Express offers great cards to suit most needs.

Some Amex cards that were recognised as winners: Low Rate Credit Card, No Annual Fee Credit Card, Rewards Credit Card and Premium Rewards Credit Card.

 

Low Rate Credit Card

The winners of our Low Rate Credit Card category have some of the lowest purchase interest rates available. The impact of annual fees charged for holding the card and the number of interest-free days on offer were also taken into account when selecting winners in this award category.

 

American Express logo

American Express

Low Rate Credit Card

Auswide Bank logo

Auswide Bank

Low Rate Visa

Bankwest logo

Bankwest

Breeze Mastercard

Community First Credit Union logo

Community First Credit Union

Low Rate Credit Card

Credit Union SA logo

Credit Union SA

Education Community Visa Credit Card

Defence Bank logo

Defence Bank

Foundation Credit Card

Easy Street logo

Easy Street

Easy Low Rate Visa Credit Card

G&C Mutual Bank logo

G&C Mutual Bank

Low Rate Visa Credit Card

Illawarra Credit Union logo

Illawarra Credit Union

Low Rate Credit Card

MOVE Bank logo

MOVE Bank

Low Rate Credit Card

Low Rate Platinum Credit Card

The winners listed below prove that you don’t have to pay exorbitant interest rates to take advantage of the extra benefits a platinum card usually brings. The winners for this category were assessed on interest rate and annual fee.

 

Bank First logo

Bank First

Visa Platinum Credit Card

Bankwest logo

Bankwest

Breeze Platinum Mastercard

Bankwest logo

Bankwest

Zero Platinum Mastercard

Citi logo

Citi

Clear

P&N Bank logo

P&N Bank

Visa Platinum Credit Card

No Annual Fee Credit Card

Hate paying fees? This award category is for you. Here are the best value cards with no annual fees. But to make our list of award winners, these credit cards also have good interest free periods and some of the lowest interest rates of the cards eligible for an award. Those who took home the title were...

 

American Express logo

American Express

Low Rate Credit Card

American Express logo

American Express

Essential Credit Card

Bank Australia logo

Bank Australia

Visa Credit Card

Bank First logo

Bank First

Visa Classic Credit Card

Bankwest logo

Bankwest

Zero Mastercard

Credit Union SA logo

Credit Union SA

Education Community Visa Credit Card

Firefighters Mutual Bank logo

Firefighters Mutual Bank

Credit Card

Health Professionals Bank logo

Health Professionals Bank

Credit Card

Hume Bank logo

Hume Bank

Value Visa Card

ME logo

ME

frank Credit Card

QBANK logo

QBANK

Bluey Card

Teachers Mutual Bank logo

Teachers Mutual Bank

Credit Card

UniBank logo

UniBank

Credit Card

No Annual Fee Platinum Credit Card

Out of all the cards we assessed only two platinum cards met our criteria of charging no annual fee and offering interest free days. The interest rates on these cards are not as low as the winners in the standard No Annual Fee category, but if you confidently clear your balance every month, this cost might not be such an influential factor. Those who won were...

Bankwest logo

Bankwest

Zero Platinum Mastercard

Latitude logo

Latitude

28° Global Platinum Mastercard

Balance Transfer Credit Card

Balance transfers come in all shapes and sizes and this award category is designed for those whose priority it is to pay down an existing debt. The Mozo judges crunched the numbers to find which cards offer the best value for a regular cardholder, taking into account not only the balance transfer terms, but also the annual fee and what the credit card might cost once the introductory rate expires.

 

Bank of Melbourne logo

Bank of Melbourne

Vertigo

BankSA logo

BankSA

Vertigo

Bankwest logo

Bankwest

Breeze Mastercard

Bankwest logo

Bankwest

Zero Mastercard

Bendigo Bank logo

Bendigo Bank

Low Rate Credit Card

Great Southern Bank logo

Great Southern Bank

Low Rate Credit Card

St.George logo

St.George

Rainbow Vertigo

St.George logo

St.George

Vertigo

Balance Transfer Platinum Credit Card

Much like regular balance transfer cards, there is a range of options to choose from when wanting to pay down your debt. For customers looking to transfer a balance to a Platinum card, these cards came out on top.

 

Bankwest logo

Bankwest

Zero Platinum Mastercard

Bankwest logo

Bankwest

Breeze Platinum Mastercard

Citi logo

Citi

Rewards

Great Southern Bank logo

Great Southern Bank

Platinum Credit Card

HSBC logo

HSBC

Platinum Credit Card

HSBC logo

HSBC

Platinum Qantas Credit Card

Payment Plan Credit Card

Having a credit card with a payment plan attached combines the best of both worlds: an ongoing credit line and a buy now pay later option. The St.George, Bank of Melbourne, and BankSA No Annual Fee card does both without charging an annual fee, and the charges for payment plans are lower in many cases than its competitors.

 

Bank of Melbourne logo

Bank of Melbourne

No Annual Fee

BankSA logo

BankSA

No Annual Fee

St.George logo

St.George

No Annual Fee

 

 

Frequently Asked Questions

What’s the Judging Criteria for the awards?

Running since 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers.

See our Mozo Experts Choice Credit Card Awards methodology report for more detailed information on how we performed product comparisons and determined the final winners for the credit card awards.

Did you compare all credit cards in the market for these awards?

We aim to include most credit card providers in the market in the Mozo Experts Choice Awards. However, not every credit card product on the market will be included in our review.  Any credit card product we review must be available in the market at the time of our analysis. The Premium categories assessed all ‘platinum’, 'diamond' and 'black' credit cards, while the Standard categories considered all other credit cards. Charge cards were not assessed.

How do I choose the best credit card for me?

There is a reason why there are so many different categories of Mozo Experts Choice Awards in Credit Cards. When you’re looking for a credit card you’ll want to think carefully about your ability to repay any balance, and the card benefits that you’ll use most or get the best value from.

For instance, low rate cards are generally better value if you carry a balance on your card from time to time. If you’re able to pay off your balance in full each month, a no annual fee or rewards credit card could be best for you.

If you want to learn more about the key features of credit cards and the types of cards that are available, why not check out our range of helpful credit card guides? To see the latest credit card deals you can visit our credit cards comparison page.

Who are Mozo's Experts?

The Mozo Experts Choice Awards analysis is overseen by AJ Duncanson, Mozo’s Data Services Director. AJ is a data scientist and actuary, and has worked in financial services and product comparison for almost three decades. Together with our Product Data Manager, Peter Marshall, the team has over 50 years of financial services experience.

I work for a credit card issuer, how do we promote our win?

Please get in touch with our account management team to discuss promotion options.