Credit Card Finder
If you want to rack up rewards, get a balance transfer, pay less interest or save on fees, we can help you find a credit card that works for you.
Updated . What changed?
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Current credit card offers
There are many credit cards available and looking at a few options will help you find the one that's right for you. Check out the cards side by side in the table below and see more details about each one by clicking on the card's checkbox.
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 credit card on the market in Australia. 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.
February 2021 - Popular credit card offers on finder.com.au*
|Category||Name||Card||Current Offer||Annual Fee|
|Frequent Flyer||Qantas Premier Platinum||Receive 100,000 bonus Qantas Points and 75 bonus Status Credits when you meet the spend requirements.||$199 first-year annual fee ($299 p.a. thereafter)|
|No Annual Fee||Coles No Annual Fee Mastercard||Get 0% interest on purchases and balance transfers for the first 12 months with no balance transfer fee with this Coles credit card.||$0 p.a.|
|Balance Transfer||Citi Rewards Card||Save with 0% p.a. interest on balance transfers for the first 30 months with no balance transfer fee.||$49 annual fee for the first year ($149 p.a. thereafter)|
|Low Rate||ANZ Low Rate Card||Save with 0% p.a. interest on balance transfers for the first 20 months with no balance transfer fee.||$0 annual fee for the first year ($58 p.a. thereafter)|
Types of credit cards
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.
Move your high interest debts to a low or 0% interest balance transfer credit card and pay off your debts faster.
Save on yearly credit card costs with a $0 annual fee credit card, including promotional offers and cards with no annual fee for life.
Save on interest on purchases and reduce your chances of falling into debt with a low or no interest credit card.
Get rewarded as you spend with points, cashback and other goodies you can redeem with a rewards credit card.
Compare frequent flyer credit cards that let you earn points on everyday purchases so you can redeem your next flight (or other reward) faster.
Use a credit card to shop overseas and online, save with 0% foreign transaction fees and earn points on holiday expenses.
Manage your student expenses and establish your credit history by comparing a range of student credit cards.
Keep track of your business expenses, earn reward points and manage employee spending under one account.
Enjoy a 0% p.a. promotional period, pay no annual fee for the first year or receive bonus points with a credit card introductory offer.
How should you pick a credit card?
At first glance, it might seem like there are way too many credit cards to compare, but cards typically fall into two broad categories: one for spenders and one for savers. Here's how 2 cards (A for spenders, B for savers) stack up against each other and what to consider when looking at each feature.
|Fee or Feature||Card A||Card B||Comparison|
|Annual Fee||$350||$49||The flat amount you'll pay per year just to use the card. Rewards and frequent flyer cards will typically charge a higher annual fee than those with fewer bells & whistles designed for people looking to save.|
|Purchase Interest Rate||19.74% p.a.||12.99% p.a.||The amount of interest you'll pay on your balance if you don't pay it off by the due date. The lower the interest rate, the better. However, if you never carry a balance, this doesn't need to be a major consideration.|
|Interest-Free Period||55 days||55 days||The maximum amount of time you'll get before you're charged interest on purchases. The longer the better and outside of introductory promotions, most cards offer between 44 - 62 days.|
|Balance Transfer||N/A||0% p.a. for 20 months with 1.5% fee||If you decide to transfer debt from another card, this is the interest rate you'll pay on the amount and for how long. The lower rate, longer time and lower fee, the better.|
|Cash Advance Rate||21.99% p.a.||22.99% p.a.||What you'll pay if you make a cash-equivalent transaction, and usually what the balance transfer reverts to after the intro period. You will not get any interest-free days, so this cost can add up quickly.|
|Foreign Transaction Fee||0%||$3 or 3%, whichever is greater||The amount you'll be charged on purchases made in a foreign currency overseas or online, charged as a percentage of the transaction amount. The lower this fee, the better.|
|Rewards Program||Frequent Flyer||N/A||The kind of points (if any) you'll earn for your spending. These rewards are potentially very valuable if you use them. Common programs include frequent flyer, bank rewards and supermarket loyalty schemes.|
|Bonus Points||100,000||N/A||Any introductory bonus point offer available. You'll have to meet a spend requirement to get them and these are typically worded like "100,000 bonus points when you spend $3,000 in the first 90 days".|
|Points / $1 Spent||1||N/A||How many points (if any) you'll earn for your eligible spending. It's important to pay attention to how many points you earn, as well as what those points are worth when you go to redeem them.|
|Insurance Covers||Purchase & travel||Purchase||Available insurance covers (if any) that are included with the card. Common types include overseas medical insurance, extended warranty cover, price guarantees and and purchase protection.|
|Contactless Payments||Compatible||Compatible||Most credit cards in Australia let you tap to pay and are compatible with digital contactless payment platforms, including Google Pay, Apple Pay, Samsung Pay and more.|
|Other Perks||Lounge passes||N/A||More premium offerings like black and platinum-tier cards, can feature perks like airport lounge passes, free wine when you dine, complimentary hotel stays and more.|
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.
Credit card fast facts
- Credit cards vs. debit cards. The difference between a credit card and a debit card is whose money you're spending. When you use a debit card, even if you tap and use Mastercard or Visa debit, you're spending your own money. To make a purchase using your debit card, you have to have those funds in your transaction or savings account first. When you spend on a credit card, you're borrowing money from the lender that you'll eventually have to pay back. This means you don't have to have any dollars to your name to make purchases, and unfortunately also where spending on a credit card can get you into trouble.
- How credit card companies make money. There are two main ways credit card companies make money:
- Fees: annual fees, late fees, cash advance fees, interchange fees, etc.
- Interest: typically, when you carry a balance from month to month you'll be charged interest on the balance.
- Security measures. Most people associate credit cards with secure purchasing and protection thanks to their zero liability policies. These make it so that if an unauthorised or fraudulent charge is made on your account, you won't be held responsible for it.
- Using a credit card at the ATM. While you can withdraw money from an ATM using your credit card, it will cost you and should be an absolute last resort. On top of being charged a cash advance fee, you'll also be charged interest on the amount at the higher cash advance rate and won't get the interest-free grace period.
- The difference between Visa and Mastercard. Neither Visa nor Mastercard actually issue credit cards, they are the networks that process the transaction between the issuer (eg. NAB) and the merchant (eg. Bunnings). There is almost no difference between the two. Both are widely accepted around the world and offer similar perks and benefits. When choosing a new card, other features and fees are more important than the logo in the corner.
- Credit card numbers. Credit card numbers are 16 digits long. The first one or two digits represent whether its a Visa, Mastercard or American Express. Digits 2 - 6 represent the financial institution or bank that issued the card, and the following 9 digits represent the account number. The final digit is a "check" number, used to verify that the card number is valid. The CVV number is the 3 or 4 digit security number on the back of the card.
Citi Rewards Card - Balance Transfer Offer0% p.a. for 30 months on balance transfers with no balance transfer fee. $49 annual fee for the first year ($149 p.a. thereafter).
The pros and cons of credit cards
- 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.
- 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?
What do I need to get a credit card?
What will getting a credit card do to my credit score?
Can I get a credit card with a bad credit history?
How do I choose the right credit card for me?Back to top
Read more on this topic
Citi Rewards Card – Velocity Points Offer
Enjoy 100,000 bonus Velocity Points, a reduced first-year annual fee and points per $1 spent with the Citi Rewards credit card.
Kogan Money Black Card – Exclusive Offer
Pay 0% interest on balance transfers and get a $50 Kogan.com Credit with a new Kogan Money Black Card.
Citi Rewards Card – Bonus Points Offer
Enjoy an introductory 90,000 bonus Citi reward Points, a $100 Coles eGift card, plus a reduced first-year annual fee with this Citi Rewards Card offer.
Westpac Altitude Platinum Qantas – Existing customer offer
With bonus Qantas Points and a range of complimentary insurance covers, the Westpac Altitude Platinum - Qantas is worth considering if you want more frequent flyer points.
Westpac Altitude Platinum Credit Card – Existing Customer Offer
Earn Altitude rewards with Westpac’s Altitude Platinum credit card, while enjoying the benefits and privileges of platinum status.
MoneyMe Freestyle Virtual Mastercard
Get $250 credit back when you meet the eligibility requirements and 55 days interest-free on purchases.
0% Balance Transfer Credit Card Offers
Pay no interest on your credit card debt and clear it faster with a 0% balance transfer credit card. Compare and apply here.
ANZ Rewards Platinum Credit Card – Exclusive Offer
The ANZ Rewards Platinum Credit Card offers a competitive rewards program, $0 annual fee for the first year, a $500 gift card, a balance transfer offer and a range of complimentary insurance covers.
Woolworths Team Bank Visa Credit Card
Available to Woolworths Group employees and family, this low-cost card comes with simple features and mobile payment options.
Firefighters Mutual Bank Credit Card
This low rate credit card has a $0 annual fee and is available to firefighters and other service workers or volunteers.
Ask an Expert