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Learn about our information serviceRates last updated June 27th, 2017. 
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.
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.
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 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 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.
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.
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
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
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.
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
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?
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
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?
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
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
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
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?
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
Hi. Which credit cards offer Apple Pay?
Thanks,
Jacob
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
is it possible to obtain a personal loan to pay out existing credit card debt, and then payout the personal loan.
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
How can people have bad credit if they’ve never had a loan or a credit card?
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