Credit Card Finder

If you want to pay less interest, rack up rewards, get a balance transfer or save on fees, we can help you find a credit card that works for you.

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Current credit card offers

There are many credit cards available and looking at a few options will help you find the one that's right for you. Check out the cards side by side in the table below and see more details about each one by clicking on the card's checkbox.

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
0% Purchase & Balance Transfer Offers
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 30 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Qantas American Express Premium Card
20.74% p.a.
Up to 44 days on purchases
$249
100,000 Bonus Points & 50 Status Credits
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Up to 130,000 bonus Qantas Points & 75 bonus Status Credits
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
Up to 55 days on purchases
$99 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 12 months
$500 e-voucher and Discounted First Year Annual Fee Offer
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
$64 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 22 months
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
Up to 55 days on purchases
$129
0% p.a. for 22 months
0% Balance Transfer Offer & Annual Fee Refund
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Citi Rewards Card - Flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
75,000 Bonus Points & $100 Kmart eGift Card
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59
0% p.a. for 20 months with 1% balance transfer fee
Long-Term Balance Transfer Offer & $200 Cashback
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
Up to 55 days on purchases
$49
2.99% p.a. for 9 months
0% Purchase Rate Offer
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$199 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Balance Transfer Offer & 100,000 Bonus Points
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
Up to 55 days on purchases
$99
0.9% p.a. for 15 months
0.9% Purchase & Balance Transfer Offers
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
St.George Amplify Platinum - Qantas
19.74% p.a.
Up to 55 days on purchases
$99
0% p.a. for 15 months with 1% balance transfer fee
Balance Transfer Offer & 70,000 Bonus Points
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
Bankwest Zero Platinum Mastercard
17.99% p.a.
Up to 55 days on purchases
$0
2.99% p.a. for 9 months
No Annual Fee & 0% Foreign Transaction Fees
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Westpac Altitude Platinum Qantas
20.49% p.a.
Up to 45 days on purchases
$99 annual fee for the first year ($200 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Balance Transfer Offer & 60,000 Bonus Points
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Coles Rewards Mastercard - Exclusive Offer
19.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months with 1.5% balance transfer fee
$0 First Year Annual Fee & $100 off a Coles Supermarket shop
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
ANZ Frequent Flyer Black
20.24% p.a.
Up to 55 days on purchases
$425
20.24% p.a.
120,000 Bonus Points & $200 back
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
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Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
ANZ Low Rate
0% p.a. for 25 months with 1.5% balance transfer fee
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months
0% for 12 months, reverts to 19.99% p.a.
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
0% p.a. for 30 months with 1.5% balance transfer fee
21.49% p.a.
$0 annual fee for the first year ($199 p.a. thereafter)
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Westpac Low Rate Card
0% p.a. for 20 months with 1% balance transfer fee
13.74% p.a.
$59
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Citi Clear Card
0.9% p.a. for 15 months
0.9% for 15 months, reverts to 14.99% p.a.
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Qantas Premier Platinum
0% p.a. for 18 months with 1% balance transfer fee
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
$59
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
St.George Vertigo Classic
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Coles Low Rate Mastercard - Exclusive Offer
0% p.a. for 6 months
12.99% p.a.
$58
Finder Exclusive. Ends 29 October 2020
Receive $100 off a Coles Supermarket shop when you make an eligible purchase within the first 30 days. Plus, a 0% balance transfer offer.
Coles Rewards Mastercard - Exclusive Offer
0% p.a. for 18 months with 1.5% balance transfer fee
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
Westpac Altitude Platinum Qantas
0% p.a. for 18 months with 1% balance transfer fee
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
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Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Citi Rewards Card - Flybuys Offer
75,000
flybuys,Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
Citi Rewards Card - $500 Voucher Offer
N/A
Citi Rewards Program
1
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Suncorp Clear Options Platinum Credit Card
100,000
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Bank of Melbourne Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
HSBC Platinum Qantas Credit Card
20,000
Qantas Frequent Flyer
1
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
BankSA Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months. Plus a 0% balance transfer offer.
Coles Rewards Mastercard - Exclusive Offer
N/A
flybuys
2
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
Qantas American Express Ultimate Card
55,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
St.George Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
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*The credit card offers on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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.


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 credit card on the market in Australia. 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*

CategoryNameCardCurrent OfferAnnual Fee
Frequent FlyerANZ Frequent Flyer BlackPicture not describedANZ Rewards Black credit card imageReceive 120,000 bonus Qantas Points and $200 cashback when you meet the spend requirement.$425
No Annual FeeColes No Annual Fee Mastercardcoles no annual feeGet 0% interest on balance transfers for the first 12 months with a one-time balance transfer fee with this Coles credit card.$0
Balance TransferCiti Rewards Card - Balance Transfer OfferPicture not describedSave with 0% p.a. interest on balance transfers for the first 30 months (with a 1.5% BT fee).$0 annual fee for the first year ($199 p.a. thereafter)
Low RateANZ Low Rate CardPicture not describedSave with 0% p.a. interest on balance transfers for the first 25 months with a one-time 1.5% balance transfer fee.$0 annual fee for the first year ($58 p.a. thereafter)

The pros and cons of credit cards

Pros

  • 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.

Cons

  • 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.

Types of credit cards

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.


How can you compare credit cards?

At first glance, it might seem like there are way too many credit cards to compare, but cards typically fall into two broad categories: one for spenders and one for savers. Here's how 2 cards (A for spenders, B for savers) stack up against each other and what to consider when looking at each feature.

Fee or FeatureCard ACard BComparison
Annual Fee$350$49The flat amount you'll pay per year just to use the card. Rewards and frequent flyer cards will typically charge a higher annual fee than those with fewer bells & whistles designed for people looking to save.
Purchase Interest Rate19.74% p.a.12.99% p.a.The amount of interest you'll pay on your balance if you don't pay it off by the due date. The lower the interest rate, the better. However, if you never carry a balance, this doesn't need to be a major consideration.
Interest-Free Period55 days55 daysThe maximum amount of time you'll get before you're charged interest on purchases. The longer the better and outside of introductory promotions, most cards offer between 44 - 62 days.
Balance TransferN/A0% p.a. for 20 months with 1.5% feeIf you decide to transfer debt from another card, this is the interest rate you'll pay on the amount and for how long. The lower rate, longer time and lower fee, the better.
Cash Advance Rate21.99% p.a.22.99% p.a.What you'll pay if you make a cash-equivalent transaction, and usually what the balance transfer reverts to after the intro period. You will not get any interest-free days, so this cost can add up quickly.
Foreign Transaction Fee0%$3 or 3%, whichever is greaterThe amount you'll be charged on purchases made in a foreign currency overseas or online, charged as a percentage of the transaction amount. The lower this fee, the better.
Rewards ProgramFrequent FlyerN/AThe kind of points (if any) you'll earn for your spending. These rewards are potentially very valuable if you use them. Common programs include frequent flyer, bank rewards and supermarket loyalty schemes.
Bonus Points100,000N/AAny introductory bonus point offer available. You'll have to meet a spend requirement to get them and these are typically worded like "100,000 bonus points when you spend $3,000 in the first 90 days".
Points / $1 Spent1N/AHow many points (if any) you'll earn for your eligible spending. It's important to pay attention to how many points you earn, as well as what those points are worth when you go to redeem them.
Insurance CoversPurchase & travelPurchaseAvailable insurance covers (if any) that are included with the card. Common types include overseas medical insurance, extended warranty cover, price guarantees and and purchase protection.
Contactless PaymentsCompatibleCompatibleMost credit cards in Australia are compatible with digital contactless payment platforms, including Google Pay, Apple Pay, Samsung Pay and more.
Other PerksLounge passesN/AMore premium offerings like black and platinum-tier cards, can feature perks like airport lounge passes, free wine when you dine, complimentary hotel stays and more.

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.

AMEX logoANZ logobankwest logo
Citi logoColes logoCBA logo
HSBC logoNAB logoQantas Money logo
St.George logoVirgin logoWestpac logo

Credit card fast facts

  • Credit cards vs. debit cards. The difference between a credit card and a debit card is whose money you're spending. When you use a debit card, even if you tap and use Mastercard or Visa debit, you're spending your own money. To make a purchase using your debit card, you have to have those funds in your transaction or savings account first. When you spend on a credit card, you're borrowing money from the lender that you'll eventually have to pay back. This means you don't have to have any dollars to your name to make purchases, and unfortunately also where spending on a credit card can get you into trouble.
  • How credit card companies make money. There are two main ways credit card companies make money:
    • Fees: annual fees, late fees, cash advance fees, interchange fees, etc.
    • Interest: typically, when you carry a balance from month to month you'll be charged interest on the balance.
  • Security measures. Most people associate credit cards with secure purchasing and protection thanks to their zero liability policies. These make it so that if an unauthorised or fraudulent charge is made on your account, you won't be held responsible for it.
  • Using a credit card at the ATM. While you can withdraw money from an ATM using your credit card, it will cost you and should be an absolute last resort. On top of being charged a cash advance fee, you'll also be charged interest on the amount at the higher cash advance rate and won't get the interest-free grace period.
  • The difference between Visa and Mastercard. Neither Visa nor Mastercard actually issue credit cards, they are the networks that process the transaction between the issuer (eg. NAB) and the merchant (eg. Bunnings). There is almost no difference between the two. Both are widely accepted around the world and offer similar perks and benefits. When choosing a new card, other features and fees are more important than the logo in the corner.
  • Credit card numbers. Credit card numbers are 16 digits long. The first one or two digits represent whether its a Visa, Mastercard or American Express. Digits 2 - 6 represent the financial institution or bank that issued the card, and the following 9 digits represent the account number. The final digit is a "check" number, used to verify that the card number is valid. The CVV number is the 3 or 4 digit security number on the back of the card.
Promoted
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.

Frequently asked questions about credit cards

What is a credit card?

Credit cards let you borrow money at the time of purchase. This is useful when you don't have enough money or don't want to pay the entire amount immediately. If you pay off your balance on time, the credit card is like an interest-free loan from the purchase date until the payment due date. If you're unable to do this, your purchases will begin collecting interest on top of the amount owed. Credit cards are issued by many banks in Australia, but the majority belong to the global payment networks of Mastercard, Visa or American Express.

What do I need to get a credit card?

All credit cards have eligibility criteria you need to meet to be approved. These include age (you must be at least 18 years old), minimum income, residency status and credit history. Cards with more perks and features tend to have stricter requirements than typical "starter" or "no frills" cards. When you're applying, you'll also need to provide proof of your income, residency, identification and information about your assets, expenses and liabilities.

What will getting a credit card do to my credit score?

Every time you apply for a credit card, it will be recorded on your credit file. Whether you're approved for the credit card, your credit limit and whether or not you make timely repayments will all impact your credit history.When you apply for credit in the future, whether it's for a credit card, personal loan or mortgage, the lender will base part of their decision on your credit score. If you have a bad credit history and low credit score, you're unlikely to be approved for a credit card.

Can I get a credit card with a bad credit history?

Having a poor credit history doesn't automatically disqualify you from getting a new credit card, but it will make it more difficult. It's wise to speak to your current bank or lender before applying for a card online. If a credit card isn't presently an option, an unsecured personal loan could be a viable option.

How do I choose the right credit card for me?

When deciding on a credit card you'll need to consider your current financial circumstances and your future financial goals, and then compare cards to find the one that best fits your situation.

  • Current financial circumstances: How much you can afford to spend, how much you can afford to repay and how much credit you can manage.
  • Financial goals: Financial goals can include major purchases, travel aspirations, building credit history, consolidating existing debt and many others.
  • Card features to compare: Not all features will be equally important to every person. For example, if you aren't interested in rewards points the earn rate won't be relevant to you. Some primary features to look at include: the annual fee, interest rates, interest-free period, availability of rewards or frequent flyer points, balance transfer offer and the eligibility criteria.
Find the credit card you want by looking at different card types or banks, or read our guides to decide.
Find
Compare the latest Australian credit card offers in our credit card comparison tables to reach an informed decision.
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Apply for your new credit card securely via the bank or lender's online credit card application form.
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  • Citi Rewards Card – Exclusive Offer

    Take advantage of a 0% balance transfer offer for 30 months and a discounted annual fee for the first year with this exclusive Citi Rewards credit card offer.

  • Health Professionals Bank Credit Card

    Get an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months and save with an ongoing $0 annual fee with the Health Professionals Bank Credit Card.

  • Bank Australia Commercial Visa credit card

    Designed to help you track business spending, this Bank Australia credit card offers cards for employees and interest-free days on purchases.

  • Defence Bank Foundation Credit Card

    This card gives you a way to support a program that matches rescue dogs with veterans in need and enjoy a low interest rate on all your spending.

  • Diners Club Business Card

    The Diners Club Business Card can be used to earn points per $1 with over 35 million merchants – including Officeworks, Qantas and Woolworths.

  • Frequent Flyer Diners Club card

    Diners Club isn’t as widely accepted as other cards, but you can still earn 1 Qantas Point per $1 at major retailers with this card.

  • Diners Club Personal Card

    Diners Club offers a competitive rewards program, travel and shopping perks and can be used at businesses including Coles, Woolworths and Target.

  • Illawarra Credit Union Low Rate credit card

    The Illawarra Credit Union Low Rate credit card gives you simple features, mobile payments and a $0 annual fee in the first year.

  • Credit cards vs buy now pay later

    Both buy now pay later plans and credit cards give you ways to pay off purchases over time – here's how they compare.

  • CommBank Neo card

    A new type of credit card to the Australian market, the CommBank Neo doesn’t charge any interest but has a monthly fee instead. Find out more in our comprehensive review.

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