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Why use Credit Card Finder to compare your next credit card?
Credit Card Finder is a free and 100% Australian-owned service for comparing credit cards offered by banks and credit unions in Australia. Our service is 100% free with no hidden costs for use of our credit card comparison service. To help ensure the best credit card* choice for Australian consumers, we have categorised our comparisons by card type and issuers, including our popular 0% balance transfer and low interest credit card reviews.
When you click the "Go to Site" links on our tables, you will be directed to the bank's official application page, where full product terms and conditions are available. This means your personal details are never processed by us. Consider your own personal circumstances when choosing which card is best for you. This table provides a cross-section of offers on our website to help you with your comparison.
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months on balance transfers
Exclusive to finder.com.au
Offer ends 12 November 2017
Eligibility criteria, terms and conditions, fees and charges apply
Exclusive finder.com.au Balance Transfer Offer
The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au.
- 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
- No balance transfer fee when BT requested upon application.
- Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
- Request an additional cardholder at no extra cost.
- Must apply through finder.com.au to take advantage of this offer.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Receive up to 60,000 bonus Velocity Points
Offer ends 31 October 2017
Eligibility criteria, terms and conditions, fees and charges apply
Virgin Money Credit Card Offer
Earn up to 20,000 bonus Velocity Points each month you spend $1,500 on eligible transactions for the first 3 months (up to 60,000 points). Plus, enjoy 0% p.a. for 18 months on balance transfers.
- $64 p.a. annual fee for the first year ($129 p.a. thereafter).
- 20.74% p.a. on purchases
- Cash advance rate of 20.99% p.a.
- Up to 44 days interest free
- Minimum income requirement of $35,000 p.a.
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Make better credit card choices with finder.com.au
Use Credit Card Finder to compare Australian credit cards side by side, learn about different card types and find the right card for you with our helpful guides. Whether you’re looking to save on credit card fees, consolidate a debt or earn rewards, we’ll help you save time, cut costs, find the best* credit card for you and easily apply for it online.
What attributes should i look for in a credit card for the sole purpose of online shopping?
I have the money in my saving so as soon as a purchase is made with the card, it will be paid off immediately, but i don’t want to use a debt card due to security reasons.
Hi Joe,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.
I hope this helps.
Cheers,
Danielle
my credit card expires on 10/17 do I have to apply for another one at the c/wealth bank?
Hello Derek,
Thank you for your question.
No, you don’t have to. Usually, your credit card issuer will be sending a replacement card automatically before expiry date. It can be as short as few weeks or a month prior.
Please make sure that you dispose the old card properly once you have activated the new one. Refer to the instructions written on the mail enclosed on how to proceed.
Hope this helps.
Cheers,
Jonathan
Can u get a credit card if you’re on a sole parent pension?
Hi Melinda,
Thanks for reaching out.
Pensioners can actually apply for a credit card. We have a guide on this page on how you can apply for a credit card and in which institution.
Hope this helps.
Cheers,
May
If a person has an AMEX that is ages old, that is apparently earning some points with her shopping, can it be upgraded?
Upgraded means are there any more modern AMEX cards that come with bonus points that one can “upgrade” to ?
To get an AMEX card with a bonus points and a better earning rate would the person have to cancel their existing AMEX, and wait the 6 or 12 months, or whatever waiting period, before re-applying for a new one ?
Obviously one can apply for another brand of card with the bonus points, but i thought i would look at the AMEX situation first.
Thank you
Hi Allan, thanks for your inquiry!
Typically AMEX or other credit card upgrades are awarded when you spend a certain amount within a specific time period. For example $10,000 within 3 months. If you believe your current spend deserves a card upgrade, you could try to contact AMEX customer service to request this. Otherwise applying for a new credit card with bonus points is also a great way to earn more points. You can compare bonus points credit cards here.
Best regards,
Jonathan
Could you please advise which is the best Amex & Visa card for the cheapest annual fees, maximum frequent flyer points & including travel insurance.
Hi William,
Thanks for reaching out. While we are unable to recommend a particular credit card, you may use our comparison table on this page to compare your frequent flyer credit card options. Information about the annual fees, rates and whether it includes complimentary insurance are indicated in the table as well.
I hope this has helped.
Cheers,
Liezl
I have been out of bankruptcy for over two years now and have a credit score of 715, what are my chances of getting a credit card and who would be the best to try.
Hi Amanda,
Thanks for reaching out.
If you have filed bankruptcy before, I’m afraid that it may be hard to get or apply for credit card, although there are banks would assess your current financial circumstances and credit history before they would consider your application. So if you’d like to try (any of the credit cards listed above), I would suggest that you review the criteria and eligibility of the card and contact the bank/credit card issuer first before submitting a final application.
Meantime, you may like to read our article here on getting a credit card with bankruptcy, which might be useful.
Cheers,
May
Hi Melissa!
Have you checked you recent credit score? If yes and you still have maintained a good score, you’re awesome! :)
Minimum requirements are posted on this page. We also have some tips for your card application.
You can apply for this card directly thru CommBank website.
All the best!
Cheers,
Jonathan
Am I likely to be successful for a CBA minimum credit limit card as I work part time earning net $27K. I currently have savings around $3K and no debts.
Hi Melissa!
Determining your approval would depend on variety of factors such as your ability to pay, income, credit score, employment details and existing accountabilities.
You can talk to CommBank or use their card comparison tool on their website to identify which card type suits your personal situation.
Hope this helps.
Cheers,
Jonathan
Hello Finder
Thank you for answering my previous question. I have another one.
Which card companies offer a supplementary credit card (one for me and one for my wife), with all the responsibility lying with me?
Hi Daniel!
Thanks for getting back.
Almost all credit card issuers give an option to avail supplementary cards to maximize credit utilization. However, please take note that only the primary cardholder is responsible paying the purchases made on those cards. Therefore, if you want to be the sole responsible for the purchases, you may apply as the primary cardholder and have your wife as a supplementary cardholder.
Hope this clarifies.
Cheers,
Jonathan
It’s my first time applying for a credit card, how do I know which one to choose? I’m currently with people’s choice, will it matter if I have a credit card with a different bank?
Hello Georgia.
Thanks for your question.
Before doing anything else please make sure to read thru the importance of owning your first credit card on this will help you understand the pros and cons of owning a credit card as well as get a few tips and basic information that you may need to know of owning one.
Where you apply for a credit card is a personal choice based on your financial circumstances. However, there is no reason that you must apply with your current lending institution. This could make it easier to have all of your banking information in one place, but you could be missing out on a better offer from a different bank or lender. Use the finder.com.au Credit Card Comparison tool to explore all of your available options.
Please make sure to read and understand the terms and conditions or the product disclosure statement before selecting a particular product.
Regards,
Chester