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.
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Current credit card offers
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.
Move your high interest debts to a low or 0% interest balance transfer credit card and pay off your debts faster.
No annual fee
Whether it's a promotional offer or for the life of the card, save on yearly credit card costs with a $0 annual fee credit card.
Earn reward points as you spend and maximise the prizes and perks you can redeem with a rewards credit card.
Compare frequent flyer credit cards to earn points on everyday purchases to redeem for your next holiday with your favourite airline.
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.
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.
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
- 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?
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.