Whether it is a first card or a secondary credit card option, getting a credit card from the bank can make payments and use a lot more convenient.

Many banks now also offer a range of different credit cards so that it is easier to find one that will fit your lifestyle. To help make the decision, here is a look at some of the top bank credit cards in different credit card categories.

Bank Credit Cards For Low Interest And Balance Transfers

Four of the Big Five Banks – ANZ, Commonwealth Bank, NAB and St George – are living up to the title when it comes to low interest offers, with all of them currently offering low interest purchase rates under 14% p.a. in the form of Low Rate cards.

Outside of these banking giants, there is the Bankwest’s Lite credit card, with the lowest ongoing purchase rate of only 10.75% p.a. making it a bank credit card worth considering for both an everyday low rate and any balance transfers that will take a long time to pay off.

For specific balance transfer offers, the 15-month introductory rate of 1.9% p.a. on Citibank’s Platinum and Gold cards could be ideal for high-end credit cardholders, while the St George Vertigo offers 0.99% p.a. for nine months before reverting to a low, ongoing purchase rate of 13.24% p.a. that is ideal for more stability.

Bank Credit Cards With No Annual Fees

Some cards may offer no fee for the first year, but the HSBC credit card has no annual fee for life and comes from the second largest banking and financial service providers in the world, and this card was also named Money Magazine’s 2010 “Best Transactor Credit Card”.

The Bankwest Zero Gold also has no fee for life and also provides a one year extended warranty for purchases on the card, while Citibank’s Ready Credit card combines other banking facilities and also features a low interest rate of 9.9% p.a. on purchases.

Bank Credit Cards With Rewards

When it comes to credit card reward programs, it is important to know you are getting value from the points systems as well as complimentary extras. For people tempted by cash back rewards, the Commonwealth Bank’s Awards Platinum card offers three points per dollar spent and just $800 charged to the card could mean $120 cash back, as well as other travel-related redemptions.

Citibank also has a competitive rewards program for both the Gold and Platinum cards, with redeemable prizes including airfares, electronics and dining experiences.

There is also a range of bank credit cards that are specifically linked to frequent flyer programs, like the ANZ Frequent Flyer, which will earn uncapped Qantas Frequent Flyer points for everyday purchases.

No matter what bank you currently use, there is bound to be some credit card offers that will complement your familiarity and help make credit work for you with every feature available.

No annual fee credit cards are a form of low cost credit card that, rather than charging a lower rate of interest or offerring a generous rewards program, instead do not charge an annual fee. This may seem like an obvious advantage, but it may not be the best choice for everyone.
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Credit cards with no annual fees – where’s the catch?

If you ever want to set your head spinning, just spend some time in playing in the credit card sandpit.  There you’ll find credit cards without annual fees, some with the annual fees waived for the first year, low-rate interest on purchases without any frills, frills or rewards with some of the more expensive cards, and limited time low-interest on balance transfers for differing periods. Readmore