you really need to have some sort of budget, you can see the rings of Saturn in a relatively small cheap telescope, either refractor or reflector but how good that image will be will generally correspond to how much you spend.
it is also not just the telescope to consider but what sort of mount it is on, no good having a good telescope on a cheap mount that moves and shakes while your looking.
the cheapest option but by no means the cheapest scope would be a dobsonion mounted reflector around the 200mm mark, check out
www.bintel.com.au or
www.andrewscom.com.au.