Credit Card Finder – Compare Australian credit cards

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Rates last updated July 22nd, 2018
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
$0 First Year Annual Fee and Balance Transfer Offer
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Citi Clear Platinum - Exclusive Offer
0% p.a. for 24 months with 1.5% balance transfer fee
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Reduced First Year Annual Fee & Balance Transfer Offer
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Platinum Card - Exclusive Amazon Offer
0% p.a. for 24 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Cashback & Balance Transfer Offer
finder Exclusive: 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive Offer to finder.com.au
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
60,000 Bonus Points Offer
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
HSBC Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
13.25% p.a.
$79 p.a.
0% p.a. Balance Transfer Offer
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
Qantas Premier Everyday
4.9% p.a. for 24 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)

$0 First Year Annual Fee & Bonus Points Offer

Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Citi Simplicity Card
0% p.a. for 15 months with 1.5% balance transfer fee
19.99% p.a.
$0 p.a.
No Annual Fee Card with Low Balance Transfer Offer
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
0% Purchase Offer with Virgin Australia Gift Voucher
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
American Express Westpac Altitude Platinum Bundle - Exclusive Offer
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)

$0 First Year Annual Fee & Bonus Points Offer

$0 first year annual fee & up to 90,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Low Purchase Rate and Balance Transfer Offer
Offers a $49 annual fee, up to $100 cashback when you make a purchase within 3 months and 0% p.a. for 14 months on balance transfers.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
60,000 Bonus Points and Annual Fee Offer
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$199 p.a.
Bonus Points & Balance Transfer Offer
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
Citi Rewards Platinum Credit Card
0% p.a. for 26 months with 2.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Platinum Card with 0% p.a. for 26 months Balance Transfer offer
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. Balance Transfer Offer
Take advantage of 0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points.
NAB Low Fee Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Low Annual Fee and Balance Transfer Offer
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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 and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the 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 find your next card?

Credit Card Finder® is a free, Australian-owned service that lets you compare credit card offers from banks, credit unions and other financial institutions in Australia. It is 100% free for you to use this service, with no hidden costs for any of the credit card comparisons or resources on the site. To help you make the best credit card* choice based on your goals and needs, check out our guides and comparison tables for different types of cards, including 0% balance transfer credit cards and low interest cards. You can also compare cards by issuer, read individual card reviews and explore introductory offers.

When you find a credit card that you want to apply for, just click the "Go to Site" link. 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 credit card company. This means finder.com.au does not collect your personal details during the application process. Remember to consider your own personal circumstances when choosing which card is best for you. Start by looking at a cross-section of offers on our website to help you with your comparison.

The types of credit cards that are available to you

Find out about the different types of credit cards available to you with the below options.

Exclusive to finder.com.au - Westpac Credit Card Offer

American Express Westpac Altitude Platinum Bundle - Exclusive Offer

Receive up to 90,000 bonus points
$0 annual fee in the first year

Offer ends 31 July 2018

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - Westpac Credit Card Offer

Exclusive to finder, receive up to 90,000 bonus Altitude Points (75,000 on Visa and 15,000 on Amex) when you meet the spend criteria and save with a $0 annual fee in the first year.

  • $0 p.a. annual fee for the first year ($199 p.a. thereafter).
  • 20.24% p.a. on purchases
  • Cash advance rate of 20.74% p.a.
  • Up to 45 days interest free
  • Minimum income requirement of $50,000 p.a.
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Make better credit card choices with finder.com.au

Use Credit Card Finder to compare Australian credit cards side-by-side, learn about the different types of cards available and find the right one for you. Whether you’re looking to save on credit card fees, consolidate a debt or earn rewards, finder.com.au can help you save time, cut costs, find the best* credit card for you and easily apply for it online.

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53 Responses

  1. Default Gravatar
    nevilleMay 20, 2018

    I have had a AMEX card for 30years, my card is a AMEX Platinum Reserve and when you scroll through all the cards I could not find any with Reserve. Is this the same as one of the other Platinum?
    Thanks.

    • finder Customer Care
      JeniMay 20, 2018Staff

      Hi Neville,

      Thank you for getting in touch with finder.

      As of the 1st of October 2014, American Express Platinum Reserve Credit Card is no longer available for new applications that is why you can’t find this card in our comparison page.

      For further info, please visit this page.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  2. Default Gravatar
    kateApril 15, 2018

    Please advise when the the complimentary Qantas airport lounges currently offered as a bonus when applying for the amex ultimate Qantas card apply. Is it only after a year of membership? Do they need to be applied for or do they come automatically? Are they available once the $3000 spend has been reached?
    Thanks,
    Kate

    • finder Customer Care
      JeniApril 15, 2018Staff

      Hi Kate,

      Thank you for getting in touch with finder.

      To be eligible to get into a Qantas Airport Lounge or Club, you can choose to pay for a one, two or four year membership to the Qantas club using your Qantas points, or by paying a fee. As a Qantas Club member you will have access to Qantas-operated international business lounges, as well as the Emirates lounge in Dubai, provided your next flight is with Qantas or Emirates.

      For more info on Qantas Airport Lounge, please see this link.

      When you apply online, are approved and spend $3,000 on eligible purchases within the first three months of card membership then you get your 55,000 bonus points.

      You may also want to check out this link for more info on your American Express Qantas Ultimate Card.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  3. Default Gravatar
    JoeMarch 25, 2018

    I want a credit card with a travel insurance for over 80 year old attached.
    Thank you

    • finder Customer Care
      LouMarch 26, 2018Staff

      Hi Joe,

      Thanks for your question.

      Most credit card complimentary travel insurance we feature on our website are only available for those 80 years old or under. Upon checking, I found that NAB complimentary travel insurance are available for those who are up to 90 years old. However, cardholders between the ages of 76 and 90 years receive limited benefits compared to cardholders aged 75 years and under, including no overseas travel and medical insurance benefit.

      You may compare NAB credit cards with complimentary travel insurance on this page.

      Cheers,
      Anndy

  4. Default Gravatar
    TyponyGuyMarch 5, 2018

    Hi,
    I have a car loan with a high EMI (around 2700 per month for 9 more months) and a credit card with 6000 limit. I have an income of 10000 pre tax.
    Would I be eligible for another credit card (Amex Explorer)?
    I am concerned, if I apply and it gets rejected, it will just reduce my credit rating.

    • finder Customer Care
      JhezelynMarch 7, 2018Staff

      Hi TyponyGuy,

      Thank you for your comment.

      Please note that each time you submit an application for a credit card, the provider will conduct a hard credit inquiry which means requesting a copy of your credit report. Regardless if you’re approved or not, this is recorded on your report for up to two years and each hard inquiry can take a few points off your credit score. Kindly refer to the pages below to know how a credit card application can impact your credit score.
      https://www.finder.com.au/how-having-too-many-credit-card-applications-might-backfire-on-you
      https://www.finder.com.au/avoid-submitting-multiple-credit-card-applications

      By the way, you may be able to apply for the American Express Explorer Credit Card provided that you meet their criteria that is outlined on this page.

      Regards,
      Jhezelyn

    • Default Gravatar
      TyponyGuyMarch 7, 2018

      Hi Jhezelyn,

      Thanks for the response.
      I understand how even a successful application can take points out of my credit rating etc.
      My only concern here was how having a car loan, which is for a short period but high monthly repayments, would affect my credit card application.
      My credit rating going low after a successful application is a much safer, better situation than it going low with a rejected application.

      I just wanted to understand how much of a ‘high risk’ customer does my car loan make me currently. And as far as the eligibility criteria mentioned on the page goes, I believe even after taking the monthly repayments out of my income, I would be fulfilling the criteria.
      Is there a way I can be sure about that though?

    • finder Customer Care
      JhezelynMarch 7, 2018Staff

      Hi TyponyGuy,

      Thank you for getting back to us.

      Generally, credit card providers want to determine whether you will be able to afford to make repayments, and if you have too much liabilities to repay, like that of the car loan, then there’s a risk your credit card application will be rejected. Also note that credit card is a product for people with good credit only.

      Still best to directly ask the provider about your chances of getting approved for a credit card application as criteria varies depending on the provider. You may refer to some of our guides on how to be approved for credit cards below:
      https://www.finder.com.au/how-to-get-your-credit-card-application-approved
      https://www.finder.com.au/requirements-when-applying-for-a-credit-card

      Regards,
      Jhezelyn

  5. Default Gravatar
    akashFebruary 20, 2018

    credit card yes bank mai apply kervana hai
    plz help me

    • finder Customer Care
      JonathanFebruary 21, 2018Staff

      Hi Akash, can you please rephrase your question?

      Thanks,

      Jonathan

  6. Default Gravatar
    TonyFebruary 6, 2018

    Hi just about to move to Australia, do credit cards here provide interest free installment plans on airline ticket purchases. In my home country I can avail of a3,6,9or 12 months interest free repayment facility on ticket purchases of over a certain value.

    Thanks

    • finder Customer Care
      JonathanFebruary 28, 2018Staff

      Hi Tony, thanks for your inquiry!

      Whilst credit cards do not provide interest free instalment plans on airline tickets, you may apply for a 0% purchase credit card. This type of card enables you to make purchases and not pay any interest for a set period of time.

      Best,

      Jonathan

  7. Default Gravatar
    WendyNovember 24, 2017

    Boho
    I would like a credit card in my name only for work related items etc but I am only one day a week at the moment. Can I get one?
    Also would like to improve my credit score. Is this a good idea?

    • Default Gravatar
      MariaNovember 25, 2017

      Hi Wendy,

      Thank you for your inquiry.

      This page on When Should I Get My First Credit Card may be helpful as it discusses why you’d get a credit card and if you’re ready for it.

      There are eligibility criteria to consider to check if you are qualified to apply for the credit card. This would include income requirements. Also, you’d need to take note that multiple credit card applications may affect your score so it’s best to read all the details first before applying for the card.

      To make the most of your credit history, aim to pay your credit card account balance off in full by the due date on each statement.

      I hope this helps.

      Best,
      Maria

  8. Default Gravatar
    RoslynNovember 9, 2017

    Need a small credit card to build up credit score which one as I don’t have one

    • finder Customer Care
      LiezlNovember 9, 2017Staff

      Hi Roslyn,

      Thanks for reaching out.

      If you have a limited credit history, you may consider starting with the credit cards that have no frills, easy to apply for and manage such as low credit limit credit cards or even credit cards designed for students. These type of cards can start building up your positive credit history if you spend well under your credit limit.

      We have a guide on how to build a good credit history with a credit card on this page that you might find helpful.

      Cheers,
      Liezl

  9. Default Gravatar
    MaryOctober 30, 2017

    Need a zero percent card to pay out another my husband is to undergo cancer treatment and am struggling with repayments what’s your opinion thanks

    • finder Customer Care
      JudithOctober 31, 2017Staff

      Hi Mary,

      Thanks for contacting finder, a comparison website and general information service.

      I hope everything would turn out well for you. You may find a list of long-term balance transfer credit card offers on this page.

      I hope this helps.

      Best regards,
      Judith

  10. Default Gravatar
    JoeOctober 18, 2017

    What attributes should i look for in a credit card for the sole purpose of online shopping?
    I have the money in my saving so as soon as a purchase is made with the card, it will be paid off immediately, but i don’t want to use a debt card due to security reasons.

    • finder Customer Care
      DanielleOctober 19, 2017Staff

      Hi Joe,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.

      Cheers,
      Danielle

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