Credit Card Finder® – Compare Australian Credit Cards

Whether you’re consolidating debt, making purchases or collecting points, use our credit card comparison tool and apply online.

Compare credit cards

Learn about our information serviceRates last updated June 27th, 2017.

* The credit card offers compared on this page are chosen from a range of credit cards 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.

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 & 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. Your personal details are never processed by us. When you click each apply link on our tables, you will be directed to the official bank's application page, where full product terms & conditions are available. 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.

ANZ Frequent Flyer Black

Frequent Flyer Credit Card Offer

Receive 75,000 bonus Qantas Points when you apply online and meet the minimum spend criteria plus enjoy a waived annual fee for the first year.

  • $0 p.a. annual fee for the first year ($425 p.a. thereafter) annual fee
  • 19.99% p.a. on purchases
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $75,000 p.a.
Virgin Australia Velocity Flyer Card - Exclusive Offer

Balance Transfer Card Offer

Earn Velocity Points on your everyday spend with the Virgin Australia Velocity Flyer Credit Card and enjoy a long-term introductory balance transfer offer with a discounted annual fee in the first year.

  • $64 p.a. annual fee for the first year ($129 p.a. thereafter) annual fee
  • 20.74% p.a. on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $35,000 p.a.
Citi Rewards Platinum Credit Card

Citi Credit Card Offer

The Citi Rewards Platinum Credit Card has a low interest rate offer of 0% p.a. for 24 months on balance transfers and a reduced annual fee for the first year.

  • $49 p.a. annual fee for the first year ($149 p.a. thereafter) annual fee
  • 20.99% p.a. on purchases
  • 0% p.a. for 24 months with 1.5% balance transfer fee on balance transfers
  • Cash Advance Rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.
Find the credit card you are interested in via the card type or bank, or read our guides to decide.
Compare the credit card offers in our credit card comparison tables to reach an informed decision.
Apply for your new credit card securely via the bank or lender's online credit card application form.

Types of credit cards to compare

Make better credit card choices with

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.

Australian Credit Cards

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Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
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21 Responses to Credit Card Finder® – Compare Australian Credit Cards

  1. Staff
    Jonathan | June 25, 2017

    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!


  2. Default Gravatar
    | June 22, 2017

    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.

    • Staff
      Jonathan | June 22, 2017

      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.


  3. Default Gravatar
    | June 1, 2017

    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?

    • Staff
      Jonathan | June 1, 2017

      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.


  4. Default Gravatar
    Georgia | March 28, 2017

    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?

    • Staff
      Chester | March 29, 2017

      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 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.


  5. Default Gravatar
    Glen | March 24, 2017


    I am looking for a balance transfer credit card and I currently have a St. George credit card. Can I do balance transfer from my current credit card to a St. George Vertigo credit card?
    Reading the Terms and Conditions was a little confusing. Can I pay this off over the 12 month period?
    Is there a better option?

    Kind regards,

    • Staff
      Jason | March 25, 2017

      Hi Glen,

      Thank you for your enquiry.

      Unfortunately, you cannot do balance transfer to St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards with your current credit card since these credit card brands are owned by the same credit card issuer. Please check out this link for information on the credit card brands that you may do balance transfer with.

      Please check out this link for a comparison of balance transfer credit cards that might fit your needs and requirements. Please ensure to read the eligibility criteria, features and details of the credit card, as well as the relevant PDS/T&Cs of the credit card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Kind regards,

  6. Default Gravatar
    | March 23, 2017

    I got a call from one of the lender to increase my credit card limit. If I increase my credit limit, will it have an effect on my credit rating?

    • Staff
      Harold | March 23, 2017

      Hi Gautham,

      Thank you for your question.

      Typically, your credit score will improve when you increase your credit limit because more available credit generally means a lower credit utilisation ratio (the amount of credit used compared to the amount of credit available).

      I hope this has helped.


  7. Default Gravatar
    Jacob | February 25, 2017

    Hi. Which credit cards offer Apple Pay?


    • Staff
      Jason | February 26, 2017

      Hi Jacob,

      Thank you for your enquiry.

      Please check out this link for a comparison of credit cards that offer Apple Pay and a guide on how to make contactless payments with your iPhone.

      Kind regards,

  8. Default Gravatar
    gordon | February 8, 2017

    is it possible to obtain a personal loan to pay out existing credit card debt, and then payout the personal loan.

    • Staff
      May | February 8, 2017

      Hi Gordon,

      Thanks for reaching out.

      Yes, it is possible to take out a personal loan (through debt consolidation) to pay your existing credit card debts and other loans. If you’d like to discuss your debt consolidation options and approval, you’d be best to get in touch with a lender featured on this page.

      Alternatively, if you may reconsider, the other option to pay out your credit card debts is through balance transfer, where you’d be able to take advantage of the 0% interest for a limited period. You can compare your balance transfer options on this page. Please note though that it’s important to review the eligibility criteria and features of the balance transfer card before applying or making a final decision.

      Hope this helps.


  9. Default Gravatar
    N | January 2, 2017

    How can people have bad credit if they’ve never had a loan or a credit card?

    • Staff
      Anndy | January 2, 2017

      Hi Limitededition,

      Thanks for your question.

      There are other possible reasons for getting a low credit score. We have listed them on this page.

      You may also request a free credit report so you’ll know what are listed on your credit history. If there are any errors on your report, you can also directly contact Veda to request the necessary corrections.


  10. Default Gravatar
    Ian | December 29, 2016

    hi im looking for a credit card to balance transfer from personal loan. can you please provide me with any institutions that allow this.


    • Staff
      Anndy | December 29, 2016

      Hi Ian,

      Thanks for reaching out.

      You can check this page for Citi and Virgin Money cards that allow you to transfer from personal loans.


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