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Learn about our information serviceRates last updated July 23rd, 2017.

Rates last updated July 23rd, 2017
Name Product Product Description Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Bonus Points
St.George Vertigo Visa

$0 First Year Annual Fee with Balance Transfer Offer

Save with 13.24% p.a. on purchases. Also enjoy 0% p.a. for 14 months on balance transfers and $0 annual fee in the first year.
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Citi Rewards Platinum Credit Card
Platinum Card with 0% p.a. for 24 months Balance Transfer offer
A long-term balance transfer offer with complimentary international travel insurance and access to Citi cardholder benefits.
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
HSBC Platinum Credit Card
Annual Fee Refund
Caters to those who want high credit limits and Apple Pay. The annual fee is refunded when you spend $6,000 on eligible purchases.
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
ANZ Platinum Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au
Receive 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on purchases, plus an annual fee waiver in the first year.
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
NAB Premium Card - Exclusive Offer
Exclusive Offer to finder.com.au
Enjoy a no fee, long-term balance transfer offer with platinum privileges.
0% p.a. for 24 months
19.74% p.a.
$90 p.a.
St.George Vertigo Platinum
Low Rate Platinum Card with Long-term Balance Transfer Offer
A platinum card with a low interest rate on purchases and 0% p.a. for 20 months on balance transfers.
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Qantas American Express Ultimate Card - Online Offer
Special Offer - Qantas Frequent Flyer Card with Bonus Points
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and receive 2 American Express Airport Lounge entries each calendar year.
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$450 p.a.
100,000 bonus points
Bendigo Bank Basic Black Credit Card
Long-term Low Purchase Rate
A no-frills card that allows you to receive up to 44 interest-free days on purchases and add an additional cardholder for $0.
12.24% p.a.
$45 p.a.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Velocity Frequent Flyer Card with Balance Transfer and Bonus Points Offer
Apply by 31 July 2017 to earn 2 bonus Velocity Points on top of the standard earn rate per $1 spent within the first three months.
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Bank of Melbourne Vertigo Platinum
Low Rate Platinum Card
A platinum card with 0% p.a. promotional rate on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
NAB Low Fee Card
Low Annual Fee and Balance Transfer Offer
Enjoy a long-term balance transfer offer of 0% p.a. for 16 months, for a $30 annual fee.
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
HSBC Low Rate Credit Card
0% p.a. Balance Transfer Offer
Enjoy a balance transfer offer of 0% p.a. for 15 months, and a low purchase rate of 13.25% p.a. Apple Pay is now available with this card.
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au
Receive a discounted annual fee in the first year and earn 1.25 Suncorp Rewards Points per $1 spent.
0% p.a. for 18 months
20.74% p.a.
$99 p.a. annual fee for the first year ($169 p.a. thereafter)
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer Credit Card
Offers a competitive earn rate on purchases.Plus, a 60,000 bonus Qantas Points offer on eligible spend within 3 months.
19.99% p.a.
$199 p.a.
60,000 bonus points
American Express Velocity Platinum Card
Platinum Credit Card with Bonus Velocity Points
This card offers 100,000 bonus Velocity Points when you apply and spend $1,500 on your new card within the first 3 months.
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$375 p.a.
100,000 bonus points
Woolworths Everyday Platinum Credit Card
First Year Annual Fee Waiver and Balance Transfer Offer
Offers a long-term balance transfer and annual fee waiver in the first year. Earn up to 3 points per $1 spent on purchases at Woolworths.
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Virgin Money Low Rate Credit Card
Low Purchase Rate and Balance Transfer Offer
Enjoy a low ongoing purchase rate with an introductory rate on balance transfers and a competitive annual fee.
0% p.a. for 12 months
11.99% p.a.
$99 p.a.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. Purchase Offer with Virgin Australia Gift Voucher
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months on balance transfers and an exclusive Virgin Australia gift voucher each year.
0% p.a. for 6 months
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Coles Low Rate Mastercard
Low rate Mastercard with flybuys points and Balance Transfer Offer
A low interest rate card which features a low annual fee and a promotional rate of 0% p.a. for 6 months on balance transfers.
0% p.a. for 6 months
12.99% p.a.
$49 p.a.
American Express Essential®  Credit Card
Smartphone Screen Insurance, $0 Annual Fee and 0% Balance Transfer
Receive a $50 credit when you spend $750 on your new card within the first 3 months from card approval.
0% p.a. for 12 months with 1% balance transfer fee
14.99% p.a.
$0 p.a.

Compare up to 4 providers

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

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.

St.George Vertigo Visa

St.George Credit Card Offer

The St.George Vertigo Visa offers a low ongoing rate on purchases, a long-term promotional rate on balance transfers and an annual fee waiver in the first year.

  • $0 p.a. annual fee for the first year ($55 p.a. thereafter)
  • 13.24% p.a. on purchases
  • 0% p.a. for 14 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
Virgin Australia Velocity Flyer Card - Exclusive Offer

Exclusive Virgin Money Credit Card Offer

Exclusive to this site, enjoy a long-term balance transfer offer, with 0% balance transfer fee. Plus, receive 2 bonus Velocity Points on top of your standard earn rate per $1 spent in the first 3 months, combined with a reduced annual fee for the first year.

  • $64 p.a. annual fee for the first year ($129 p.a. thereafter)
  • 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.
ANZ Platinum Credit Card - Exclusive Offer

Exclusive ANZ Platinum Credit Card Offer

Exclusive to this site, pay no annual fee in the first year and take advantage of low introductory rates on purchases and balance transfers.

  • $0 p.a. annual fee for the first year ($87 p.a. thereafter)
  • 0% p.a. for 3 months (reverts to 19.74% p.a.) on purchases
  • 0% p.a. for 12 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.
 
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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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23 Responses

  1. Default Gravatar
    AmandaJune 27, 2017

    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.

    • Staff
      MayJune 27, 2017Staff

      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

  2. Staff
    JonathanJune 25, 2017Staff

    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

  3. 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
      JonathanJune 22, 2017Staff

      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

  4. 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
      JonathanJune 1, 2017Staff

      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

  5. Default Gravatar
    GeorgiaMarch 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
      ChesterMarch 29, 2017Staff

      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

  6. Default Gravatar
    GlenMarch 24, 2017

    Hi,

    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,
    Glen

    • Staff
      JasonMarch 25, 2017Staff

      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,
      Jason

  7. 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
      HaroldMarch 23, 2017Staff

      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.

      Cheers,
      Harold

  8. Default Gravatar
    JacobFebruary 25, 2017

    Hi. Which credit cards offer Apple Pay?

    Thanks,
    Jacob

    • Staff
      JasonFebruary 26, 2017Staff

      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,
      Jason

  9. Default Gravatar
    gordonFebruary 8, 2017

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

    • Staff
      MayFebruary 8, 2017Staff

      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.

      Cheers,
      May

  10. Default Gravatar
    NJanuary 2, 2017

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

    • Staff
      AnndyJanuary 2, 2017Staff

      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.

      Cheers,
      Anndy

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