Credit Card Finder® – Compare Australian Credit Cards

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Rates last updated September 20th, 2017
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months
19.74% p.a.
$90 p.a.
Exclusive Offer to finder.com.au
Until 1 October 2017, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including seven complimentary insurances.
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 on eligible spend in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
24 months Balance Transfer Offer
An everyday low rate, low fee purchase card with a longer balance transfer term.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Annual Fee Refund
Caters to those who want high credit limits and Apple Pay. Also earn an uncapped 1 HSBC Rewards Plus point per $1 spent.
ANZ Platinum Credit Card - Exclusive Offer
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)
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.
Citi Rewards Platinum Credit Card
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)
Platinum Card with 0% p.a. for 24 months Balance Transfer offer
Apply by 30 September 2017 to receive a long-term balance transfer offer with complimentary travel insurance and access to Citi benefits.
Qantas American Express Ultimate Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$450 p.a.
Qantas Frequent Flyer Credit Card with Bonus Points Offer
Fly faster with up to 2.5 Qantas Points per $1 spent and receive a complimentary Qantas domestic return Economy flight every year.
HSBC Low Rate Credit Card
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
0% p.a. Balance Transfer Offer
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
First Year Annual Fee Waiver and Balance Transfer Offer
Receive a $50 eGift Card when you apply by 31 December 2017 and make an eligible purchase by 31 January 2018.
HSBC Platinum Qantas Credit Card
0% p.a. for 6 months
19.99% p.a.
$199 p.a.
Qantas Frequent Flyer Credit Card
Earn up to 1 Qantas Point per $1 spent. Plus, receive a free Qantas Frequent Flyer membership and complimentary travel insurance.
American Express Explorer® Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$395 p.a.
100,000 Membership Rewards Bonus Points
Receive a $400 Travel Credit and two complimentary airline lounge passes per year along with Membership Rewards Bonus Points.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 12.99% p.a.)
$79 p.a.
Low Rate Credit Card Offer
Take advantage of 0% p.a. on balance transfers and purchases for 13 months, combined with a low annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$129 p.a.
0% p.a. Balance Transfer Offer
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
NAB Low Fee Card
0% p.a. for 16 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, special offers from Visa Entertainment and up to 44 days interest-free on purchases.

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* 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 and 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.

When you click the "Go to Site" links on our tables, you will be directed to the bank's official application page, where full product terms and conditions are available. This means your personal details are never processed by us. 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.

NAB Premium Card - Exclusive Offer

0% p.a. for 24 months on balance transfers
Exclusive to finder.com.au

Offer ends 1 October 2017

Eligibility criteria, terms and conditions, fees and charges apply

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

The NAB Premium Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au

  • 0% p.a. on balance transfers for 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee when BT requested upon application.
  • Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
  • Must apply through finder.com.au to take advantage of this offer.
Go to site

ANZ Platinum Credit Card - Exclusive Offer

0% p.a. for 12 months on balance transfers
0% p.a. for 3 months on purchases

Eligibility criteria, terms and conditions, fees and charges apply

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).
  • 19.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
Go to site
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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 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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31 Responses

  1. Default Gravatar
    derekSeptember 6, 2017

    my credit card expires on 10/17 do I have to apply for another one at the c/wealth bank?

    • Staff
      JonathanSeptember 6, 2017Staff

      Hello Derek,

      Thank you for your question.

      No, you don’t have to. Usually, your credit card issuer will be sending a replacement card automatically before expiry date. It can be as short as few weeks or a month prior.

      Please make sure that you dispose the old card properly once you have activated the new one. Refer to the instructions written on the mail enclosed on how to proceed.

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    August 7, 2017

    Can u get a credit card if you’re on a sole parent pension?

    • Staff
      MayAugust 7, 2017Staff

      Hi Melinda,

      Thanks for reaching out.

      Pensioners can actually apply for a credit card. We have a guide on this page on how you can apply for a credit card and in which institution.

      Hope this helps.

      Cheers,
      May

  3. Default Gravatar
    August 7, 2017

    If a person has an AMEX that is ages old, that is apparently earning some points with her shopping, can it be upgraded?

    Upgraded means are there any more modern AMEX cards that come with bonus points that one can “upgrade” to ?

    To get an AMEX card with a bonus points and a better earning rate would the person have to cancel their existing AMEX, and wait the 6 or 12 months, or whatever waiting period, before re-applying for a new one ?

    Obviously one can apply for another brand of card with the bonus points, but i thought i would look at the AMEX situation first.

    Thank you

    • Staff
      JonathanAugust 7, 2017Staff

      Hi Allan, thanks for your inquiry!

      Typically AMEX or other credit card upgrades are awarded when you spend a certain amount within a specific time period. For example $10,000 within 3 months. If you believe your current spend deserves a card upgrade, you could try to contact AMEX customer service to request this. Otherwise applying for a new credit card with bonus points is also a great way to earn more points. You can compare bonus points credit cards here.

      Best regards,

      Jonathan

  4. Default Gravatar
    WilliamAugust 4, 2017

    Could you please advise which is the best Amex & Visa card for the cheapest annual fees, maximum frequent flyer points & including travel insurance.

    • Staff
      LiezlAugust 4, 2017Staff

      Hi William,

      Thanks for reaching out. While we are unable to recommend a particular credit card, you may use our comparison table on this page to compare your frequent flyer credit card options. Information about the annual fees, rates and whether it includes complimentary insurance are indicated in the table as well.

      I hope this has helped.

      Cheers,
      Liezl

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

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