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With December just around the corner, things are starting to get more social, and many people are starting to thing about the gifts that will be exchanged and holiday time with friends and family.

But that does not mean your credit card has to be worn out over the holiday season, or that debt has to rise.

While everyone will find that some credit cards work better for them than others, one of the three cards below could be your ticket to the best credit options for the Christmas holidays.

American Express David Jones Credit Card

People who do a lot of gift and personal shopping at David Jones could get a lot out of having this store-based credit card from American Express.

This rewards card offers cardholders three points per dollar at major petrol stations and supermarkets, two per dollar at David Jones and one per dollar everywhere else, making it easy to get rewards at this time of year.

New cardholders can also take advantage of 0% interest on purchases for the first 6 months and a bonus 15,000 points if they shop outside of David Jones three times in the first three months they have the card.

Bankwest Breeze Credit Card

Credited as Australia’s lowest ongoing rate MasterCard, the Bankwest Breeze is ideal for anyone who wants the flexibility to pay things off later if they need to.

The low purchase rate of 10.99% means that less interest will build up if the balance cannot be paid in full and with a balance transfer offer of 5.99% for 12 months, switching to this card now could ease up finances before the end of the year.

Bankwest also have an appealing signup bonus for people who apply before the end of 2011 – for every purchase made in the first three months of having the card you can get up to 10% cash back, making it a lot more enjoyable to use credit while shopping for presents or parties.

Virgin Flyer Credit Card

While most frequent flyer cards are very similar in rewards and features, the Virgin Flyer stands out because of the complimentary extras.

In particular, cardholders will get four free companion flights per year – all they have to do is book a flight with their Virgin Flyer card, request two seats and wait for the second to be credited back into their account.

The end of the year, and the start of the next, is often a time when people will travel to see family or close friends, so being able to get a free seat for a partner or family member is a great way to save on travel expenses.

The end of the year marks a time when people are celebrating and spending time with loved ones. Worrying about credit should never be an issue so having the right credit card means you can spend more time on things that you really value.

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