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Credit cards for shopping online

Shop securely and save on extra fees when using a credit card to shop online.

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Lady sitting on couch, online shopping on smartphone with credit card.

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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.

ANZ Credit Card Offer

ANZ Platinum Credit Card

0% p.a. for 17 months
on purchases
$0 annual fee for the first year

Eligibility criteria, terms and conditions, fees and charges apply

ANZ Credit Card Offer

Receive a 0% purchase offer, a first-year annual fee waiver and a range of complimentary insurance covers.

  • 0% p.a. for the first 17 months on purchases, reverts to 20.24% p.a.
  • $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is also waived if you spend more than $20,000 on the card each year.
  • Complimentary travel and purchase insurance covers
  • Minimum credit limit: $6,000
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Compare credit cards for online shopping

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
0.9% p.a. for 15 months
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$49
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
6.99% p.a. for 12 months
$49 annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
Bankwest Breeze Platinum Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$69
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
Bendigo Bank Low Rate Credit Card
0% for 15 months, reverts to 11.99% p.a.
13.99% p.a.
$45
Get 0% p.a. interest on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days.
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Data indicated here is updated regularly
Name Product Foreign currency conversion fee Overseas ATM withdrawal fee Purchase rate Annual fee
Bankwest Zero Platinum Mastercard
0%
$0
17.99% p.a.
$0
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bankwest Breeze Platinum Mastercard
0%
$0
0% for 15 months, reverts to 10.99% p.a.
$69
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Coles Rewards Mastercard - Exclusive Offer
0%
$5
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
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Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Citi Rewards Card - Flybuys Offer
75,000
flybuys,Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
20.49% p.a.
$99 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 long-term balance transfer offer.
Citi Rewards Card - $500 Voucher Offer
N/A
Citi Rewards Program
1
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Suncorp Clear Options Platinum Credit Card
100,000
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
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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.

Learn more about prepaid travel cards

Comparison of travel money cards

Data indicated here is updated regularly
Name Product Available Currencies ATM Withdrawal Fee Initial Load Fee Reload fee
Travelex Money Card
AUD,USD,CAD,EUR,GBP,HKD,JPY,NZD,SGD,THB

Overseas: $0

Domestic: 2.95% of the amount withdrawn

1.1% of initial load value or $15, whichever is greater
1.1% of transaction value or $15, whichever is greater
Lock in exchange rates for up to 10 currencies, pay no overseas ATM fees and get exclusive merchant offers.
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.
NAB Traveller Card
AUD,USD,CAD,EUR,GBP,HKD,JPY,NZD,SGD,THB

Overseas: $0 per withdrawal via international ATMs

Domestic: $3.75 fee applies

$0
$0
Load up and lock in up to 10 currencies and benefit from no fees for reloading funds. Comes with a secondary card for added security.
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Frequently asked questions about using a credit card to shop online

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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