A good credit card has three things: an interest rate proportional to the features offered, a low annual fee and a long interest free period. Well, we guess one out of three isn't bad.

Our mums taught us if we didn't have anything nice to say we shouldn't say anything at all, but our editor didn't like it when we submitted a blank piece of paper.

The Westpac 55 Day Gold is surprisingly good. It combines a generous interest free period and low annual fee with travel insurance and a good range of features.

The SGE Gold Solutions Visa is a good mid-range card and one of the few from a credit union which offers a rewards program. Just a few minor annoyances hold it back...

The Westpac Earth Gold comes with travel insurance, which means that unlike the standard Earth, Westpac can call it a travel credit card and keep a straight face.

You'll need to be a savant to keep track of how many reward points you're earning, but the NAB Qantas Gold is a solid mid-range Frequent Flyer card.

The Westpac Altitude Gold comes close to being the ideal travel credit card, with travel insurance, transit accident cover, dual cards and a great flights-based rewards program.

There's no great impetus to select the ANZ Frequent Flyer Visa Gold over the standard Frequent Flyer Visa. The increased annual fee delivers almost exactly proportional value.

The ANZ Rewards Visa Gold is great if you're looking for a mid-range card with a broad rewards program. If you're after a good flights program, consider a Frequent Flyer option instead.

The St George Low Rate is a great card, but for only a modest increase in price, the Platinum offers better value.

The Commonwealth Gold Awards is a solid card with a surprising range of features. It will mostly appeal to families, but travellers may get value from the included international travel insurance.

The American Express Gold Ascent is perfect for people who pay their balance in full each month. As long as you use it correctly, you'll never pay a cent in fees or interest and you'll be amassing free reward points.

The Citibusiness Gold is a solid card with an above-average rewards program that's sure to be popular with many small business owners.

The Citibank Gold is a good mid-range card offering a broad set of features and services. However, the annual fee and interest rate are correspondingly high.

A great card for travellers, those looking for the peace of mind of purchase security and extended warranty protection or anyone who wants all the benefits of a gold card without a rewards program.