Credit cards for online shopping

Check-out securely and save on extra fees when using a credit card for online shopping.

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Paying on plastic can be an easy way to shop online, but there are some cards that are better to use than others. You can use this guide to compare credit cards that will protect you from fraudulent transactions, doesn't charge extra fees for overseas purchases and can help you cut down on interest costs.

Coles Credit Card - Exclusive Offer

Coles No Annual Fee Mastercard - Exclusive Offer

0% p.a. for 12 months on purchases and balance transfers
10,000 bonus Flybuys points

Offer ends 13 May 2021

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card - Exclusive Offer

Reward your spending with Flybuys points and save with 0% interest on balance transfers and purchases for the first 12 months.

  • Ongoing $0 annual fee
  • 0% on balance transfers and purchases for 12 months
  • Collect 10,000 bonus Flybuys points when you make your first eligible spend within 30 days of approval
  • Earn Flybuys point per $1 spent on eligible purchases
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Compare credit cards for online shopping

Name Product Purchase rate Balance transfer rate Annual fee
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months, reverts to 18.99% p.a.
0% p.a. for 12 months
$0
Save with a $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
Citi Simplicity Card
0% p.a. for 6 months, reverts to 21.49% p.a.
0% p.a. for 6 months
$0
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
St.George No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
Save with a 0% p.a. interest rate offer and a $0 annual fee. Plus, a minimum credit limit of $500.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
BankSA Amplify Platinum
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Earn 80,000 bonus Amplify Points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days.
humm90 Mastercard
23.99% p.a.
$99
Enjoy up to 110 days interest-free on purchases, 0% foreign transaction fees and flexible instalment plan options.
BankSA No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
Offers 0% p.a. on purchases for 12 months and an ongoing $0 annual fee.
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Name Product Foreign currency conversion fee Interest-free period Purchase rate Annual fee
Bankwest Zero Platinum Mastercard
0%
Up to 55 days on purchases
14.99% p.a.
$0
Get 0% p.a. on balance transfers for 26 months (with a 2% BT fee), ​an ongoing $0 annual fee and 0% foreign transaction fees.
humm90 Mastercard
0%
Up to 110 days on purchases
23.99% p.a.
$99
Enjoy up to 110 days interest-free on purchases, 0% foreign transaction fees and flexible instalment plan options.
Coles Rewards Mastercard
0%
Up to 55 days on purchases
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy 20,000 bonus Flybuys points (worth $100 at Coles), a $0 first-year annual fee and an 18-month balance transfer offer.
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Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Citi Rewards Card - Flybuys Offer
100,000
Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
Qantas American Express Ultimate Card
55,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months. Plus, a $450 Qantas Travel Credit each year.
St.George Amplify Platinum - Qantas
60,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
NAB Qantas Rewards Signature Card
110,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 110,000 bonus Qantas Points (90,000 when you spend $3,000 in the first 60 days and 20k after 12 months)
Qantas Premier Platinum
80,000
Qantas Frequent Flyer
1
19.99% p.a.
$225 annual fee for the first year ($299 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend at least $4,000 within the first 3 months, 80 bonus Status Credits on eligible spend, plus a discounted $225 first-year annual fee.
Coles Rewards Mastercard
20,000
Flybuys
2
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy 20,000 bonus Flybuys points (worth $100 at Coles), a $0 first-year annual fee and an 18-month balance transfer offer.
ANZ Rewards Black Credit Card
180,000
ANZ Rewards Program
2
20.24% p.a.
$0 annual fee for the first year ($375 p.a. thereafter)
Enjoy 180,000 bonus Reward Points (worth $800 in eGift cards) when you spend $2,000 in the first 3 months. Plus, $0 first-year annual fee.
Citi Rewards Card - Points & Gift Card Offer
90,000
Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
20.49% p.a.
$149 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a 0% balance transfer offer.
Kogan Money Black Card - Exclusive Offer
N/A
Kogan Rewards Program
1
20.99% p.a.
$0
Finder Exclusive, ends 31 May 2021
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
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How to compare credit cards for online shopping

If you're looking for a credit card to use online, here are some of the card types and features that could benefit you:

  • No currency conversion fees. If you often make purchases from online merchants that are based overseas, you should consider a credit card that doesn't charge foreign currency conversion fees. These fees are usually between 3% and 5% of the transaction fee and could easily add up. If the currency conversion fee was 3%, a USD$500 purchase could cost you USD$15 from the extra fee. If you shop online regularly, a card with 0% foreign transaction fees could help you save.
  • Fraud protection. Most credit cards offer fraud protection guarantees (such as Visa and Mastercard's zero liability policies), which means you won't be liable for any unauthorised transactions made with your card. Terms and conditions usually apply (for example, you may need to report the fraudulent transaction within a specific number of days). Visa, Mastercard and American Express cards also have fraud monitoring systems in place, so you'll usually be notified as soon as a suspicious transaction (such as a purchase from overseas or a large transaction) is made.
  • A store card. You could consider using a card that's linked with a specific retailer that you regularly shop with. If you often use your credit card to buy groceries online, you could consider a Coles or Woolworths credit card to earn Flybuys points and Everyday Rewards respectively. If you often shop at David Jones, the David Jones American Express and the David Jones American Express Platinum credit cards also offer rewards and exclusive perks to both online and in-store shoppers. The Kogan Money Black Card is another product that cardholders can use to earn points as they spend and redeem them for purchases at Kogan.com.
  • Low or 0% interest fees. If you're planning to make some big-ticket purchases online or think you'll struggle to repay your balance in full each month, you could consider a card that charges a low ongoing interest rate or a promotional 0% on purchases. Currently, you can compare credit cards with 0% on purchases for up to 15 months and the rate revert to the much higher standard purchase rate when the offer ends. Otherwise, you could consider a card with a low ongoing rate between 9% and 15% for the life of the card.
  • A rewards card. If you shop online and always pay your credit card balance in full, you could earn points as you spend with a rewards credit card. While most reward or frequent flyer credit cards award 1 point per $1 spent, some offer a higher earn rate on overseas purchases. This could come in handy if you're using your card to shop online with international merchants.

Alternatives to credit cards: Use a travel card to shop online

If you don't want to use a credit card but want a secure way to make purchases online that isn't tied to your savings account, consider a prepaid travel money card. You can load these cards with funds and use them to make purchases in several foreign currencies. Not only will this save you from currency conversion fees if you're making a purchase in a supported and loaded currency, but it can also help you shop within a budget. You can only spend the amount that's loaded on the card and will need to reload more funds if your balance runs low.

As these cards are usually Mastercard or Visa products, you can use them both online and in-store at millions of locations around the world.

Comparison of travel money cards

Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
Cash Passport Platinum Mastercard
AUD,USD,CAD,EUR,GBP,HKD,JPY,NZD,SGD,THB,AED
USD $2.50, EUR €2.50, GBP £2.00, NZD $3.50, THB ฿80.00, CAD $3.50, HKD $18.00, JPY ¥260.00, SGD $3.50, AUD $3.50, AED 10.00
$0
$5
Up to 11 currencies on 1 card locked in exchange rates and no load fees.
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Frequently asked questions about using a credit card to shop online

Image: Getty

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