Credit Card Finder® – Compare Australian Credit Cards

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

Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee
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) Go to site More info
Citi Rewards Platinum Credit Card
Platinum Card with 0% 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) Go to site More info
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. Go to site More info
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, combined with 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) Go to site More info
HSBC Platinum Credit Card
Annual Fee Refund
This platinum card caters for 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. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer Card with Balance Transfer and Bonus Velocity Points Offers
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
0% p.a. for 18 months with 1.5% balance transfer fee 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Low Fee Card
Low Annual Fee and Balance Transfer Offer
Enjoy a long-term balance transfer offer of 0% p.a. for 18 months, for a $30 annual fee.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info
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. Go to site More info
ANZ Frequent Flyer Black
Black Credit Card with Bonus Points Offer
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months. Enjoy 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
19.99% p.a. 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer Credit Card
The HSBC Platinum Qantas Credit Card offers a competitive earn rate on purchases. Bonus 60,000 Qantas Points offer on eligible spend within 3 months.
19.99% p.a. 60,000 bonus points $199 p.a. Go to site More info
NAB Premium Card
Platinum Credit Card with Balance Transfer
Enjoy Platinum credit card advantages including travel insurance for up to 6 months. Low introductory interest rate on balance transfers for 24 months.
0% p.a. for 24 months with 3% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
24 months Balance Transfer Offer
An everyday low rate purchase card with a longer balance transfer term.
0% p.a. for 24 months with 2% balance transfer fee 13.49% p.a. $59 p.a. Go to site More info
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. 100,000 bonus points $375 p.a. Go to site More info
NAB Low Rate Credit Card
Low Balance Transfer Offer
The NAB Low Rate Credit Card offers 0% p.a. on balance transfers for 18 months. This card also comes with a low annual fee.
0% p.a. for 18 months with 3% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
American Express Explorer® Credit Card
50,000 Membership Rewards Bonus Points
Receive 50,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. 50,000 bonus points $395 p.a. Go to site More info
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. Go to site More info
BankSA Vertigo Visa
$0 First Year Annual Fee and Balance Transfer Offer
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
0% p.a. for 14 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
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 and a 0% p.a. balance transfer rate for 12 months. Plus enjoy no annual fee for life.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
Bankwest Breeze Mastercard
Low Rate Credit Card Offer
Take advantage of a long term balance transfer offer of 0% p.a. for 21 months and a low annual fee. Limited time only.
0% p.a. for 21 months with 2% balance transfer fee 12.99% p.a. $59 p.a. Go to site More info
Qantas American Express Ultimate Card
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.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. 55,000 bonus points $450 p.a. Go to site More info
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. Go to site More info
* 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.

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 - Balance Transfer 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 with 1.5% balance transfer fee 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.
 
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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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16 Responses to Credit Card Finder® – Compare Australian Credit Cards

  1. 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 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

  2. Default Gravatar
    Glen | March 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
      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,
      Jason

  3. 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.

      Cheers,
      Harold

  4. Default Gravatar
    Jacob | February 25, 2017

    Hi. Which credit cards offer Apple Pay?

    Thanks,
    Jacob

    • 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,
      Jason

  5. 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.

      Cheers,
      May

  6. 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.

      Cheers,
      Anndy

  7. 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.

    thanks

    • 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.

      Cheers,
      Anndy

  8. Default Gravatar
    Joe | December 15, 2016

    What’s my balance

    • Staff
      Anndy | December 15, 2016

      Hi Joe,

      Thanks for your question.

      Please note that we are a financial comparison and information website that helps consumers make better decisions. We are not a credit card issuer, as such, we do not have access to your account balance.

      If you own a credit card, you’ll be able to check your balance through online banking. You may also get a statement from your bank.

      Cheers,
      Anndy

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