Credit Card Finder – Compare Australian credit cards

Whether you’re consolidating debt, making purchases or collecting points, use our credit card comparison tool and apply online.

Compare credit cards

Rates last updated February 23rd, 2018
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
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 25 months
19.74% p.a.
$90 p.a.
25 Month Balance Transfer Offer
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Westpac Low Rate - Online Offer
0% p.a. for 30 months with 2% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Low Rate Card with Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Low Rate Credit Card Offer
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$99 p.a.
Low Rate Platinum Card with No Fee Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
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 meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
American Express Velocity Escape Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)

No First Year Annual Fee with Balance Transfer Offer

Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Balance Transfer Offer and Annual Fee Refund
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
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
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
Westpac Altitude Black - Altitude Qantas Online Offer
20.24% p.a.
$250 p.a. annual fee for the first year ($395 p.a. thereafter)
Black Credit Card and Bonus Qantas Points
Earn 80,000 bonus Qantas Points when you meet the spend requirement, plus, a discounted first year annual fee. Ends on 28 March 2018.
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.
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
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
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.
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.
American Express Platinum Edge Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$195 p.a.
Balance Transfer Offer
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
NAB Low Rate Credit Card
4.99% p.a. for 6 months
0% p.a. for 6 months (reverts to 13.99% p.a.)
$59 p.a.
Low Rate Balance Transfer Offer
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
Bankwest Breeze Platinum Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$99 p.a.
Low Rate Platinum Credit Card Offer
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
Bank of Melbourne Vertigo Platinum
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Low Rate Platinum Card
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
Bankwest Zero Platinum Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0 p.a.
$0 Annual Fee Platinum Card with 9-month Balance Transfer Offer
Complimentary travel insurance, 24/7 Concierge service. Plus no foreign transaction fees for online and overseas purchases.
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. Ends 28 February 2018.
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
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
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 yearly $400 Travel Credit, 100,000 bonus points and 2 entries per year to the American Express Lounge at Sydney International Airport.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$199 p.a.
Qantas Frequent Flyer Credit Card
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
ANZ Frequent Flyer Black
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
75,000 Bonus Qantas Points Offer
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
BankSA Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% Balance Transfer Offer
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Platinum Qantas Frequent Flyer Credit Card with Bonus Points Offer
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
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
Save with 0% p.a. for 18 months on balance transfers and earn 3 bonus Velocity Points per $1 for the first 3 months. Offer ends on 28 February 2018.
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
Exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent.

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 credit card?

Credit Card Finder is a free, 100% Australian-owned service for comparing credit cards offered by banks, credit unions and other financial institutions in Australia. Our service is 100% free with no hidden costs for using the credit card comparison tools and guides. To help you make the best credit card* choice based on your goals and needs, our comparisons are categorised by card type and issuer, including our popular 0% balance transfer and low interest credit card reviews.

You can apply for a credit card through finder.com.au by clicking the "Go to Site" link and you will be directed to the bank's official application page, where full product terms and conditions are available. This means finder.com.au never processes your personal details. 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.

Exclusive finder.com.au balance transfer offer

NAB Premium Card - Exclusive Offer

0% p.a. for 25 months
on balance transfers
Exclusive to finder.com.au

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive finder.com.au balance transfer 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 25 months on a new NAB Premium card. The balance transfer reverts to the cash advance rate (currently 21.74% p.a.) after 25 months.
  • No balance transfer fee when you request a balance transfer upon application.
  • Receive seven complimentary insurance covers when you make an eligible purchase plus access to the 24/7 NAB Concierge Service.
  • You can request an additional card at no extra cost.
  • You must apply through finder.com.au to take advantage of this offer. This offer may be withdrawn at any time.
Go to site
Promoted

St.George credit card online offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee

Offer ends 28 February 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George credit card online offer

A platinum card that features a no-fee balance transfer offer and a low variable interest rate on purchases.

  • $99 p.a. annual fee.
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
Go to site
Promoted
Find the credit card you are interested in via the card type or bank, or you can read our guides to decide.
Find
Compare the credit card offers in our credit card comparison tables to reach an informed decision.
Compare
Apply for your new credit card securely via the bank's or lender's online credit card application form.
Apply

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 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.

Compare Credit Cards Australia

Australian Credit Cards

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

41 Responses

  1. Default Gravatar
    akashFebruary 20, 2018

    credit card yes bank mai apply kervana hai
    plz help me

    • Staff
      JonathanFebruary 21, 2018Staff

      Hi Akash, can you please rephrase your question?

      Thanks,

      Jonathan

  2. 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?

    • Staff
      MariaNovember 25, 2017Staff

      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

  3. Default Gravatar
    RoslynNovember 9, 2017

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

    • Staff
      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

  4. 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

    • Staff
      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

  5. 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.

    • Staff
      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

  6. 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?

    • Default Gravatar
      JonathanSeptember 6, 2017

      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

  7. 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

  8. 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

  9. 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

  10. 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

Ask a question
Go to site