Expert Picks: Best SIM-Only Mobile Plans (January 2022)

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If you’re looking to save money and break the ‘new phone every two years’ contract cycle, a SIM-only mobile plan is the way to go. Swapping to SIM-only gives you almost all of the benefits of a standard postpaid phone deal, without the added expense of a new handset, or the commitment of a long-term contract. And if you’d rather not be caught out running low on credit, it’s also a great alternative to prepaid plans.

Of course, with so many options on the market, it’s not always easy to the find the right plan for your needs. That’s why we’ve compiled this quick guide to some of the best value bring-your-own-phone plans available right now.

How we help you find the best SIM-only plan

Using Canstar Blue’s unique Value Score feature for picking the best SIM-only plans, we’ve singled out several offers that combine great features with competitive pricing. The best deal isn’t necessarily the cheapest, which is why our rankings are determined by a combination of the following:

  • Price
  • Plan inclusions
  • Customer service and support
  • Billing and payment options

Each SIM-only phone plan on Canstar Blue’s database is given a Value Score of between 0 and 10, with a higher number indicating a better value product. It’s all about helping you make an informed decision about which SIM-only plans are worth signing up to. More information on how Canstar Blue’s Value Score works can be found here.

If you’re ready to pair your phone with the flexibility of a SIM-only plan, we’ve picked out several of the best options below. Whether you’re after a basic deal, or something with plenty of monthly data, here are the top picks on our website right now.

Best SIM-only plans January 2022

Best budget SIM-only plan

Tangerine 1GB Mobile SIM Plan

Value score: 9.5

If you’re a very light data user who prefers to use your phone for calls and texts, Tangerine’s $9.90 SIM plan gives you everything you need for less than $10 per month. This plan includes 1GB of data each month, as well as unlimited calls and texts to standard Australian numbers. It’s also available month-to-month and with no lock-in contracts, so you can try out the service risk-free.

The following table shows Tangerine’s 1GB Mobile plan. Use our comparison tool to see plans from a range of other providers.

What’s good about this plan:

  • Uses parts of the Telstra 4G network.
  • Unlimited talk and text in Australia.
  • No setup fees or SIM card charges.

What to look out for:

  • Heavier data users may need a higher priced plan.
  • No international call inclusions. 
  • Excess data charged at $10 per gigabyte.

Best everyday SIM-only plan

Moose Mobile 23.80 SIM-only Plan

Value score: 8.7

A frequent Canstar Blue award winner, Moose Mobile’s 20GB plan is normally priced at $23.80 per month, but currently is discounted to $19.80 monthly for new customers for your first year when you sign up by January 7, 2022. This plan features unlimited standard national talk and text to Australian numbers, and is offered month-to-month with no lock-in contract or setup fees.

The following table shows Moose Mobile’s $23.80 SIM plan. Use our comparison tool to see plans from a range of other providers. This is a product from a referral partner.

What’s good about this plan:

  • 3GB of ‘bill shock protection’ data at no extra cost each month.
  • No lock-in contract.
  • Runs on the Optus 3G and 4G Plus networks.

What to look out for:

  • International calls aren’t included, but 300 minutes to selected countries are available for an extra $5.
  • No 5G network coverage.
  • International roaming is pay-as-you-go only.

Best big data SIM-Only plan

Circles.Life $45 SIM-Only Plan

Value score: 9.3

Again, Circles.Life offers the most value for large data users, thanks to the current introductory price of its $45 SIM-only plan. Sign up before January 4, 2022, and you’ll pay $30 per month for your first six months, saving you $90 in total. This plan includes a hefty 100GB of full-speed gigabytes, plus unlimited calls and texts and plenty of add-on options, including an extra 3GB for $10.

The following table shows Circles.Life’s $38 SIM-only plan. Use our comparison tool to see plans from a range of other providers.

What’s good about this plan:

  • 3GB of ‘bill shock protection’ data at no extra cost each month.
  • No lock-in contract.
  • Runs on the Optus 3G and 4G Plus networks.

What to look out for:

  • International calls aren’t included, but 300 minutes to selected countries are available for an extra $5.
  • No 5G network coverage.
  • International roaming is pay-as-you-go only.

Best Telstra SIM-Only plan

Small Plan

Value score: 4.3

Telstra’s $55 Upfront Small plan offers a huge 40GB of full-speed data each month, plus unlimited standard talk and text in Australia. Like Optus and Vodafone, Telstra provides bill shock backup, including unlimited speed-capped data (limited to 1.5Mbps) on all postpaid plans. Telstra customers also get 30 minutes of calls to any standard international number every month, along with unlimited international text.

The following table shows Telstra’s Small SIM-only plan. Use our comparison tool to see plans from a range of other providers. This is a product from a referral partner.

What’s good about this plan:

  • Unlimited data capped at 1.5Mbps – no data overage fees in Australia.
  • 3G and 4GX networks cover around 99% of Australians.
  • Unlimited international texts and 30 minutes of calls to standard international numbers.

What to look out for:

  • International extras aren’t included but are available as optional add-ons from $10 per month.
  • 5G access isn’t included on the Small plan — you’ll need to upgrade to the Medium, Large or Extra Large plan.
  • Comparatively more expensive than other plans with similar data inclusions.

Best Optus SIM-Only plan

Small Choice Plus Plan

Value score: 5.6

Winner of Canstar Blue’s 2020 Provider of the Year award for Phone on a Plan, Optus offers something for everyone, including massive data allowances, international extras, and bonus features. The telco’s Small Choice Plus plan with 20GB of fast data is priced at just $45 per month, and includes unlimited standard talk and text in Australia, endless speed-capped data, plus the option to share data across multiple plans on a single account.

The following table shows Optus’ Small Choice plan. Use our comparison tool to see plans from a range of other providers.

What’s good about this plan:

  • Includes unlimited data capped at 1.5Mbps speeds in addition to a full-speed data allowance.
  • Includes Optus Sport and OS Fitness streaming.
  • Customers can share data between accounts.

What to look out for:

  • International calls and texts not included.
  • International roaming not included, although Optus Roaming Passes can be added from $10 per day.
  • Heavy data users may prefer to upgrade to a larger plan with more monthly fast gigabytes.

Best Vodafone SIM-Only plan

$40 SIM Only Lite Plan

Value score: 5.7

If you’re looking for a simple SIM-only plan with average monthly data inclusions, Vodafone’s $40 Lite month-to-month plan has you covered. This plan includes 10GB of monthly full-speed data and unlimited data at capped speeds of 2Mbps, plus unlimited standard national talk and text in Australia and unlimited standard texts to overseas.

The following table shows Vodafone’s $40 SIM Only Lite plan. Use our comparison tool to see plans from a range of other providers. This is a product from a referral partner.

What’s good about this plan:

  • Unlimited international texts as well as unlimited standard Australian inclusions.
  • Includes unlimited data, known as ‘endless data’ at capped speed of 2Mbps.
  • Customers can bundle this plan with other eligible Vodafone mobile and NBN plans to save up to 20% on plan fees.

What to look out for:

  • Network coverage not as extensive regionally when compared to Telstra or Optus.
  • No international call inclusions on this plan, however international call value included on $55, $65 and $85 plans.
  • International roaming not included, but $5 and $10 Roaming available in selected countries.

Our Value Score Methodology for SIM-Only plans

While price is clearly important, there’s more to finding a great SIM-only plan than simply looking for the cheapest deal. After all, an extra few dollars could earn you a bucket load more data. That’s why, in addition to comparing on price, Canstar Blue gives you the opportunity to search for plans based on our unique Value Score, so you know you’re getting a great deal, not just a cheap price.

Value Scores range from 1 to 10, with a higher score indicating a better value phone plan. The Value Score consists of a Price Score and Feature Score: the Price Score accounts for 70% of the overall ranking, with the Feature Score contributing to 30%.

Phone Plan Value Score Methodology

Price Score

Price Scores are calculated by comparing a plan’s monthly cost to the price of other plans in the market. Canstar Blue uses a plan’s average cost, rather than advertised prices, to account for plans that don’t renew on a standard monthly basis – for example, prepaid plans that expire every 10, 14, or 28 days. Using a plan’s average monthly cost, mean average monthly cost, and the standard deviation of the average monthly cost, Canstar Blue calculates and assigns a Price Score between 0 and 100.

Feature Score

The Feature Score compares over 100 features found on mobile plans, which are grouped into the following three categories:

  • Customer Service and Support (40% of score): Application channels, website functionality, online help/support, call centres, etc.
  • Inclusions (35% of score): Call, data, and SMS allowances, additional plan inclusions such as international calls or data free streaming.
  • Billing and Payments (25% of score): Payment, statement, and billing frequency and options.

The Value Score, Pricing Score and Feature Scores of plans are re-calculated daily, with changes then reflected on Canstar Blue’s comparison tool. When you visit our site, you know you’re looking at the best deals around.

Compare SIM Only Plans

Here is a selection of postpaid plans from Canstar Blue’s database with a minimum of 10GB of data, listed in order of standard cost, lowest to highest, then by data allowance, largest to smallest. Try using our mobile phone plan comparison tool to see a wide range of plans from other providers. This table includes products with links to referral partners.

Here is a selection of prepaid plans from Canstar Blue’s database with a minimum of 10GB of data each month, listed in order of standard cost, lowest to highest, then by data allowance, largest to smallest. If you want to compare a larger range of offers from other providers, use our phone plan comparison tool. This table includes products with links to referral partners.

How we pick the best value plans

  1. Best Budget SIM Plan: The best-ranked SIM-only postpaid plan under $10 per month, as determined by Canstar Blue’s Value Score.
  2. Best Everyday SIM Plan: The best-ranked SIM-only postpaid plan with around 20GB of monthly data, as determined by Canstar Blue’s Value Score.
  3. Best Big Data SIM Plan: The best-ranked SIM-only postpaid plan with a minimum of 60GB of monthly data, as determined by Canstar Blue’s Value Score.
  4. Best Telstra SIM Plan: The best-ranked Telstra SIM-only postpaid plan, as determined by Canstar Blue’s Value Score.
  5. Best Vodafone SIM Plan: The best-ranked Vodafone SIM-only postpaid plan, as determined by Canstar Blue’s Value Score.
  6. Best Optus SIM Plan: The best-ranked Optus SIM-only postpaid plan, as determined by Canstar Blue’s Value Score. 

In the event that two or more plans have the same value score in any given category, the cheapest option will be featured.

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