Credit Card Finder
Whether you want to pay less interest, earn rewards or get a balance transfer, we can help you find an Australian credit card that works for you.
Current credit card offers
*The credit card offers on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
What is Credit Card Finder® and how can I use it?
Credit Card Finder® is a free, Australian-owned service that you can use to compare credit card offers from banks, credit unions and other financial institutions. We've been around since 2006 and keep a database of virtually every Australian credit card on the market. You can compare cards by bank or brand, read credit card reviews and check out the latest introductory offers. You can use Finder's guides and tables to inform your decision and find the best credit card for you.
When you do find a credit card that you want to apply for, just click the "Go to Site" button in the table or review. This takes you to the official application page, where you can read the full terms and conditions before starting a secure, online application with the bank or lender. This also means that Finder doesn't collect your personal details or information during the application process.
Popular credit card offers on finder.com.au*
| Category | Name | Card | Current Offer | Annual Fee |
|---|---|---|---|---|
| Frequent Flyer | Qantas Premier Platinum |  | Receive up to 80,000 bonus Qantas Points when you meet the spend requirement, two complimentary lounge invitations and complimentary travel insurance. | $299 |
| Balance Transfer | HSBC Platinum Credit Card - Balance Transfer Offer |  | Offers a 0% p.a. interest rate on balance transfers for the first 22 months, with no balance transfer fee. Plus, an annual fee refund when you spend $6,000 on eligible purchases in the following 12 months. | $129 |
| No Annual Fee | Bankwest Zero Platinum Mastercard |  | Save with 0% foreign transaction fees and complimentary purchase and overseas travel insurance covers. | $0 |
| Low Rate | ANZ Low Rate |  | Offers a 12.49% p.a. interest rate on purchases. Also features 0% p.a. balance transfer rate for the first 22 months with a one-time 1.5% balance transfer fee. | $0 for the first year ($58 p.a. thereafter) |
Compare credit cards by type
There are many different kinds of credit cards available in Australia and finding the right one for you depends on your current circumstances and future goals. You can check out the most common Australian credit card categories below.
Some Australian credit card providers we review
If you already have a bank or lender in mind, you can use Finder's comprehensive guides to review the bank's current credit card offers. If the provider you're interested in isn't on this table, click here to see the full list of providers.
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Unsure of what you need? Take our card finder quiz.
This quiz directs you to a category of credit cards to compare based on your answers. You should always consider your financial circumstances and understand all the terms, conditions and eligibility criteria before applying for any product.
The pros and cons of credit cards
Pros
- Flexibility. If you've got a big purchase to make or a bill to pay but don't have the cash in the bank, a credit card can give you the money you need. You can then pay it back straight away or over time.
- Convenience. Credit cards are easy to use when you're shopping in-store, online and overseas. As well as an actual card, many options also offer mobile payments. Credit cards also come with multiple layers of security and fraud protection, so your money is safe even if something happens to your card details.
- Rewards. Using a credit card can give you "something for nothing". As long as the rewards you earn are more valuable than the cost of any interest and annual fees, credit cards can be a great way to get cashback, merchandise, frequent flyer points and more.
Cons
- Debt. Credit cards are an easy way to get into debt if they are not managed properly. On top of spending money you don't actually have, credit card interest costs add up quickly if you don't pay your balance back in full.
- Cost of borrowing. Compared to some other loan products, credit cards are relatively expensive. The average interest rate for an Australian credit card is about 17% and the annual fees can eat into your budget on some of the more premium cards.
- Surcharges. Some businesses add a surcharge to credit card payments to cover the cost of processing. These surcharges are becoming less common but where applied, will usually add between 1% - 2% to the total purchase cost.
Frequently asked questions about credit cards
What is a credit card?
Credit cards let you borrow money at the time of purchase. This is useful when you don't have enough money or don't want to pay the entire amount immediately. If you pay off your balance on time, the credit card is like an interest-free loan from the purchase date until the payment due date. If you're unable to do this, your purchases will begin collecting interest on top of the amount owed. Credit cards are issued by many banks in Australia, but the majority belong to the global payment networks of Mastercard, Visa or American Express.
What do I need to get a credit card?
All credit cards have eligibility criteria you need to meet to be approved. These include age (you must be at least 18 years old), minimum income, residency status and credit history. Cards with more perks and features tend to have stricter requirements than typical "starter" or "no frills" cards. When you're applying, you'll also need to provide proof of your income, residency, identification and information about your assets, expenses and liabilities.
What will getting a credit card do to my credit score?
Every time you apply for a credit card, it will be recorded on your credit file. Whether you're approved for the credit card, your credit limit and whether or not you make timely repayments will all impact your credit history.When you apply for credit in the future, whether it's for a credit card, personal loan or mortgage, the lender will base part of their decision on your credit score. If you have a bad credit history and low credit score, you're unlikely to be approved for a credit card.
Can I get a credit card with a bad credit history?
Having a poor credit history doesn't automatically disqualify you from getting a new credit card, but it will make it more difficult. It's wise to speak to your current bank or lender before applying for a card online. If a credit card isn't presently an option, an unsecured personal loan could be a viable option.
How do I choose the right credit card for me?
When deciding on a credit card you'll need to consider your current financial circumstances and your future financial goals, and then compare cards to find the one that best fits your situation.
- Current financial circumstances: How much you can afford to spend, how much you can afford to repay and how much credit you can manage.
- Financial goals: Financial goals can include major purchases, travel aspirations, building credit history, consolidating existing debt and many others.
- Card features to compare: Not all features will be equally important to every person. For example, if you aren't interested in rewards points the earn rate won't be relevant to you. Some primary features to look at include: the annual fee, interest rates, interest-free period, availability of rewards or frequent flyer points, balance transfer offer and the eligibility criteria.
Find the credit card you want by looking at different card types or banks, or read our guides to decide.
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Compare the latest Australian credit card offers in our credit card comparison tables to reach an informed decision.
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Apply for your new credit card securely via the bank or lender's online credit card application form.
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Credit Cards Comparison
* 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.
