The Finder Credit Card Awards 2026 recognises Australia's best credit cards. Using 12 months of market data and a robust methodology, Finder's experts analyse the rates, fees, rewards and offer details for every personal and business credit card in our database to determine the best credit cards across 15 categories.
The ANZ Low Rate is the winner of the 2026 Finder Balance Transfer Credit Card Award. ANZ's Low Rate Credit Card boasted the market's longest balance transfer offer, helping it secure the win.
The ANZ Low Rate is the winner of the 2026 Finder Balance Transfer Credit Card Award. ANZ's Low Rate Credit Card boasted the market's longest balance transfer offer, helping it secure the win.
Highly commended 
The Westpac Low Rate Card secured a highly commended award in the balance transfer category this year with its 0% offer and low fees.
The Westpac Low Rate Card secured a highly commended award in the balance transfer category this year with its 0% offer and low fees.
The St. George Rainbow Vertigo Card finished highly commended thanks to its 0% balance transfer offer, which was one of the market's strongest offers.
The St. George Rainbow Vertigo Card finished highly commended thanks to its 0% balance transfer offer, which was one of the market's strongest offers.
Heritage Bank's Gold Low Rate Credit Card is one of the top balance transfer offers in the 2026 Finder Credit Card Awards, thanks to its low fees.
Heritage Bank's Gold Low Rate Credit Card is one of the top balance transfer offers in the 2026 Finder Credit Card Awards, thanks to its low fees.
Community First's Low Rate Credit Card is highly commended in the balance transfer category at the 2026 Finder Credit Card Awards.
Community First's Low Rate Credit Card is highly commended in the balance transfer category at the 2026 Finder Credit Card Awards.
The Easy Street Low Rate Visa Credit Card was highly commended in the balance transfer category this year with its low fee 0% offer.
The Easy Street Low Rate Visa Credit Card was highly commended in the balance transfer category this year with its low fee 0% offer.
The Vertigo Cards finished highly commended this year with one of the market's strongest 0% balance transfer offers. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
Congratulations, ANZ! The ANZ Frequent Flyer Black won this year's Finder Qantas Frequent Flyer Credit Card Award. The card had one of the biggest bonus points offers, plus a cashback and other perks that made it a winning offer for frequent flyers.
Congratulations, ANZ! The ANZ Frequent Flyer Black won this year's Finder Qantas Frequent Flyer Credit Card Award. The card had one of the biggest bonus points offers, plus a cashback and other perks that made it a winning offer for frequent flyers.
Highly commended 
The American Express Qantas Ultimate Card finished highly commended in the Qantas Frequent Flyer Credit Card category in 2026 with its strong bonus points offer and other frequent flyers benefits.
The American Express Qantas Ultimate Card finished highly commended in the Qantas Frequent Flyer Credit Card category in 2026 with its strong bonus points offer and other frequent flyers benefits.
Westpac's Altitude Qantas Black is recognised for its premium points-earning potential with a highly commended award in the Qantas Frequent Flyer Credit Card category.
Westpac's Altitude Qantas Black is recognised for its premium points-earning potential with a highly commended award in the Qantas Frequent Flyer Credit Card category.
American Express's Velocity Platinum Card is the winner in the Velocity Frequent Flyer Credit Card category at the 2026 Finder Credit Card Awards. It combined a solid bonus points offer with high points-earning potential, lounge access, status credits and a complimentary domestic flight.
American Express's Velocity Platinum Card is the winner in the Velocity Frequent Flyer Credit Card category at the 2026 Finder Credit Card Awards. It combined a solid bonus points offer with high points-earning potential, lounge access, status credits and a complimentary domestic flight.
Highly commended 
Westpac's Altitude Velocity Black is highly commended in the Velocity Points category thanks to its generous bonus points offer.
Westpac's Altitude Velocity Black is highly commended in the Velocity Points category thanks to its generous bonus points offer.
The Amplify Rewards Signature credit card earned a highly commended honour at this year's Finder Credit Card Awards thanks to its high bonus Amplify Points offer which converts to Velocity Points at a rate of 2:1. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
G&C Mutual Bank's Low Rate Visa Credit Card is the winner of the Low Rate Credit Card Award for the 2026 Finder Credit Card Awards. The card had the lowest rate in the market.
G&C Mutual Bank's Low Rate Visa Credit Card is the winner of the Low Rate Credit Card Award for the 2026 Finder Credit Card Awards. The card had the lowest rate in the market.
Highly commended
Community First's Low Rate Credit Card finished highly commended in the Low Rate Credit Card category this year with a very low rate.
Community First's Low Rate Credit Card finished highly commended in the Low Rate Credit Card category this year with a very low rate.
The Easy Street Easy Low Rate Visa credit card secured a highly commended distinction thanks to its competitive purchase rate.
The Easy Street Easy Low Rate Visa credit card secured a highly commended distinction thanks to its competitive purchase rate.
MOVE Bank's Low Rate Credit Card scored well this year with one of the market's lowest credit card purchase rates.
MOVE Bank's Low Rate Credit Card scored well this year with one of the market's lowest credit card purchase rates.
The Kogan Money Credit Card is Finder's No Annual Fee Credit Card Winner for 2026. This card not only offers a genuine ongoing no annual fee, it also gives you rewards points on top.
The Kogan Money Credit Card is Finder's No Annual Fee Credit Card Winner for 2026. This card not only offers a genuine ongoing no annual fee, it also gives you rewards points on top.
Highly commended
Heritage Bank's Gold Low Rate Credit Card finished highly commended in the No Annual Fee Credit Card category thanks to its low rate and lack of annual fee.
Heritage Bank's Gold Low Rate Credit Card finished highly commended in the No Annual Fee Credit Card category thanks to its low rate and lack of annual fee.
The Coastline Visa Credit Card secured a highly commended place with no annual fee and a low rate.
The Coastline Visa Credit Card secured a highly commended place with no annual fee and a low rate.
Qudos Bank's Lifestyle Credit Card ranked highly commended in the No Annual Fee Credit Card category this year with its ongoing $0 annual fee and low rates.
Qudos Bank's Lifestyle Credit Card ranked highly commended in the No Annual Fee Credit Card category this year with its ongoing $0 annual fee and low rates.
ANZ's Rewards Black Credit Card wins the 2026 Finder Award for best Rewards Credit Card. This card has a massive bonus points offer, complimentary insurance and a 24/7 concierge service.
ANZ's Rewards Black Credit Card wins the 2026 Finder Award for best Rewards Credit Card. This card has a massive bonus points offer, complimentary insurance and a 24/7 concierge service.
Highly commended The Amplify Rewards Signature cards secured a highly commended place in the Rewards Credit Card category thanks to a strong bonus points offer plus great perks and benefits. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
American Express's Explorer Credit Card finished highly commended in the rewards category with a strong bonus points offer and flexible benefits.
American Express's Explorer Credit Card finished highly commended in the rewards category with a strong bonus points offer and flexible benefits.
Bankwest's Breeze Platinum Mastercard is Finder's winning Travel Credit Card at the 2026 Finder Credit Card Awards. The card combines 0% foreign transaction fees with a low annual fee.
Bankwest's Breeze Platinum Mastercard is Finder's winning Travel Credit Card at the 2026 Finder Credit Card Awards. The card combines 0% foreign transaction fees with a low annual fee.
Highly commended 
The Bendigo Bank Ready Credit Card finished highly commended in the Travel Credit Card category with its low fees and 0% foreign transaction fee.
The Bendigo Bank Ready Credit Card finished highly commended in the Travel Credit Card category with its low fees and 0% foreign transaction fee.
Bankwest's More Platinum Mastercard was highly commended in the Travel Credit Card category at this year's awards.
Bankwest's More Platinum Mastercard was highly commended in the Travel Credit Card category at this year's awards.
The Bank First Visa Platinum Credit Card ranked highly commended in the Travel Credit Card category with its 0% foreign transaction fee and complimentary travel insurance.
The Bank First Visa Platinum Credit Card ranked highly commended in the Travel Credit Card category with its 0% foreign transaction fee and complimentary travel insurance.
The Commonwealth Bank's Smart Awards Credit Card secured a highly commended place in the Travel Credit Card category with a 0% foreign transaction fee and rewards points.
The Commonwealth Bank's Smart Awards Credit Card secured a highly commended place in the Travel Credit Card category with a 0% foreign transaction fee and rewards points.
The Bankwest Qantas Platinum Mastercard was highly commended in the Travel Credit Card category with a combination of no foreign transaction fee, points earning potential and travel insurance.
The Bankwest Qantas Platinum Mastercard was highly commended in the Travel Credit Card category with a combination of no foreign transaction fee, points earning potential and travel insurance.
Bankwest's More World Mastercard finished highly commended in the Travel Credit Card category thanks to its 0% foreign transaction fee, reward points and complimentary travel insurance.
Bankwest's More World Mastercard finished highly commended in the Travel Credit Card category thanks to its 0% foreign transaction fee, reward points and complimentary travel insurance.
Bankwest's Qantas World Mastercard ranked highly commended in the Travel Credit Card category with a 0% foreign transaction fee, a strong Qantas Points offer and free overseas travel insurance.
Bankwest's Qantas World Mastercard ranked highly commended in the Travel Credit Card category with a 0% foreign transaction fee, a strong Qantas Points offer and free overseas travel insurance.
Bankwest's Breeze Platinum Mastercard won Finder's No FX fees Credit Card Award. The card won with a combination of 0.00% foreign transaction fees, a low rate and low fees.
Bankwest's Breeze Platinum Mastercard won Finder's No FX fees Credit Card Award. The card won with a combination of 0.00% foreign transaction fees, a low rate and low fees.
Highly commended
The Bendigo Bank Ready Credit Card finished highly commended in the No FX fees Credit Card category due to its low card fees and 0% foreign transaction fee.
The Bendigo Bank Ready Credit Card finished highly commended in the No FX fees Credit Card category due to its low card fees and 0% foreign transaction fee.
The Bankwest Qantas Platinum Mastercard finished highly commended in the No FX fees Credit Card category thanks to its 0% foreign transaction fee and other benefits.
The Bankwest Qantas Platinum Mastercard finished highly commended in the No FX fees Credit Card category thanks to its 0% foreign transaction fee and other benefits.
Bankwest's More World Mastercard secured a highly commended finish in the No FX fees Credit Card category with 0% foreign transaction fees, points and complimentary travel insurance.
Bankwest's More World Mastercard secured a highly commended finish in the No FX fees Credit Card category with 0% foreign transaction fees, points and complimentary travel insurance.
The Bank First Visa Platinum Credit Card was highly commended in the No FX fees Credit Card category with a 0% foreign transaction fee offer plus complimentary travel insurance.
The Bank First Visa Platinum Credit Card was highly commended in the No FX fees Credit Card category with a 0% foreign transaction fee offer plus complimentary travel insurance.
The Commonwealth Bank's Smart Awards Credit Card scored a highly commended place in the No FX fees Credit Card category by combining a 0% foreign transaction fee and rewards points potential.
The Commonwealth Bank's Smart Awards Credit Card scored a highly commended place in the No FX fees Credit Card category by combining a 0% foreign transaction fee and rewards points potential.
Bankwest's More Platinum Mastercard was highly commended in the No FX fees Credit Card category at this year's awards.
Bankwest's More Platinum Mastercard was highly commended in the No FX fees Credit Card category at this year's awards.
The Bankwest Qantas World Mastercard finished highly commended in the No FX fees Credit Card category due to its 0% foreign transaction fee, a Qantas Points offer and complimentary travel insurance.
The Bankwest Qantas World Mastercard finished highly commended in the No FX fees Credit Card category due to its 0% foreign transaction fee, a Qantas Points offer and complimentary travel insurance.
ANNA Money's Mastercard Interest-Free Days Business Credit Card wins this year's Business No FX Fees Charge Card Award. The card is feature-rich and has no FX fees at every subscription level.
ANNA Money's Mastercard Interest-Free Days Business Credit Card wins this year's Business No FX Fees Charge Card Award. The card is feature-rich and has no FX fees at every subscription level.
The American Express Qantas Business Rewards Card is the winner of the Business Frequent Flyer Charge Card at the 2026 Finder Credit Card Awards. It offers plenty of benefits, a high earn rate and a very generous bonus points offer.
The American Express Qantas Business Rewards Card is the winner of the Business Frequent Flyer Charge Card at the 2026 Finder Credit Card Awards. It offers plenty of benefits, a high earn rate and a very generous bonus points offer.
NAB's Purchasing and Corporate Card is the winner of the Low Rate Business Charge Card Award this year. The card has a competitive cash advance rate and flexible card management options.
NAB's Purchasing and Corporate Card is the winner of the Low Rate Business Charge Card Award this year. The card has a competitive cash advance rate and flexible card management options.
The BusinessVantage Visa card wins the Low Interest Business Credit Card Award. It has a very low rate and plenty of interest-free days. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
Highly commended
Heritage Bank's Business Visa Secured Credit Card was highly commended in the Low Interest Business Credit Card category with its low rate and flexible card control and management options.
Heritage Bank's Business Visa Secured Credit Card was highly commended in the Low Interest Business Credit Card category with its low rate and flexible card control and management options.
The ANZ Business Low Rate ranked highly commended in the Low Interest Business Credit Card category with a low rate and no annual fee in the first year.
The ANZ Business Low Rate ranked highly commended in the Low Interest Business Credit Card category with a low rate and no annual fee in the first year.
The NAB Qantas Business Signature Card is the winner of the Business Frequent Flyer Credit Card Award at the 2026 Finder Credit Card Awards. It has a very strong bonus points offer and a very reasonable annual fee.
The NAB Qantas Business Signature Card is the winner of the Business Frequent Flyer Credit Card Award at the 2026 Finder Credit Card Awards. It has a very strong bonus points offer and a very reasonable annual fee.
Highly commended 
Westpac's Altitude Business Gold Mastercard was highly commended in the Business Frequent Flyer Credit Card category with its points options and low fees.
Westpac's Altitude Business Gold Mastercard was highly commended in the Business Frequent Flyer Credit Card category with its points options and low fees.
ANZ's Qantas Business Rewards finished highly commended in the Business Frequent Flyer Credit Card category with a big bonus points offer and complimentary travel insurance.
ANZ's Qantas Business Rewards finished highly commended in the Business Frequent Flyer Credit Card category with a big bonus points offer and complimentary travel insurance.
The Westpac Altitude Business Platinum Credit Card ranked highly commended in the Business Frequent Flyer Credit Card category with no annual fee in the first year, uncapped points and a personal concierge service.
The Westpac Altitude Business Platinum Credit Card ranked highly commended in the Business Frequent Flyer Credit Card category with no annual fee in the first year, uncapped points and a personal concierge service.
NAB's Rewards Business Signature Card wins the Small Business Rewards Credit Card Award at the 2026 Finder Credit Card Awards. The card has a generous bonus points offer, complimentary travel insurance and uncapped points earning potential.
NAB's Rewards Business Signature Card wins the Small Business Rewards Credit Card Award at the 2026 Finder Credit Card Awards. The card has a generous bonus points offer, complimentary travel insurance and uncapped points earning potential.
Highly commended 
ANZ's Business Black finished highly commended in the Small Business Rewards Credit Card category due to a big bonus points offer and complimentary travel insurance.
ANZ's Business Black finished highly commended in the Small Business Rewards Credit Card category due to a big bonus points offer and complimentary travel insurance.
The Kogan Money Credit Card is the winner of the No Annual Fee Rewards Credit Card at this year's Finder Credit Card Awards. The card has a very solid rewards points offer and an ongoing no annual fee.
The Kogan Money Credit Card is the winner of the No Annual Fee Rewards Credit Card at this year's Finder Credit Card Awards. The card has a very solid rewards points offer and an ongoing no annual fee.
Highly commended 
The Coles No Annual Fee Mastercard was highly commended in the No Annual Fee Rewards Credit Card category with a $0 annual fee and the ability to earn Flybuys Points.
The Coles No Annual Fee Mastercard was highly commended in the No Annual Fee Rewards Credit Card category with a $0 annual fee and the ability to earn Flybuys Points.
American Express's Qantas Discovery Card finished highly commended in the No Annual Fee Rewards Credit Card category with a $0 annual fee and the ability to earn Qantas Points.
American Express's Qantas Discovery Card finished highly commended in the No Annual Fee Rewards Credit Card category with a $0 annual fee and the ability to earn Qantas Points.
Finder's Credit Card Awards recognises market-leading credit cards, using our proprietary Finder Score ratings methodology, that compares up to 14 data points for each product, across value and features over a total of 247 cards in our database across 73 providers.
We aggregate the Finder Score for each award category over 12 months, to determine the average score for each product across all applicable categories.
Check out the best of the best, judged by experts.
Which is the best credit card the people on Centrelink payments with very bad credit rating guaranteed approval
Hi Rebecca,
It’s impossible for us to say what credit cards you can get approved for, if any. Every credit card provider has to examine your financial position (and look at your credit score) to determine if you can afford the credit card.
There is no such thing as guaranteed approval.