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Credit Card Comparisons

Shirley Liu
Shirley Liu

Updated

There is a wide range of credit cards available in Australia, as well as many different banks and other financial providers. So if you want to compare cards by bank or brand, or are looking for a particular type of card, you can use the lists below to help you find what you are looking for. When you click on one of the links, you will be led to a comparison and overview of the credit card products on offer.

Compare credit card providers

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Compare credit cards by type and offer

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Tips to compare Australian credit cards

couple_searching_for_creditcard_Shutterstock

As there are so many credit card products on the Australian market, it can be overwhelming to find the right one for you. You can ask yourself the following questions to help narrow down your comparison:

  • What fees and rates will I have to pay? The fees and interest rates you'll incur will vary depending on how you use the card, but some of the common costs you should compare include: annual fees, purchase interest rates, cash advance interest rates, balance transfer fees and late payment fees. See the product reviews on finder for a full list of the relevant rates and fees for a particular card.
  • What is the credit limit? The bank will base your credit limit on factors such as your income and credit history, but you should make sure that the card offers a credit limit that will support your finances without tempting you to overspend.
  • Are there any promotional offers? Some credit cards come with introductory offers, such as 0% on balance transfers, annual fee waivers or bonus reward points, which can give you extra incentive to apply. These offers can add extra value to the card, but make sure you understand the terms and conditions of the promotion before you apply.
  • Does the card come with extra features? As well as a line of credit, some credit cards offer extra features such as interest-free days, complimentary insurance, rewards or frequent flyer programs. These can also give your card extra value, but make sure the benefits of these features outweigh the costs of the card before you apply.
  • Do I meet the eligibility requirements? Credit cards come with specific eligibility requirements including minimum annual income, age, residential status and credit history. You can use the product reviews on finder to confirm you meet the eligibility requirements before you apply.

See our guide on how to apply for a credit card for more tips.

Pictures: Shutterstock

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