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Credit Card Finder – Compare Australian credit cards

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Rates last updated August 16th, 2018
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer
0% p.a. for 25 months
12.74% p.a.
$99 p.a.
Long-Term Balance Transfer Offer
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
Go to site More info
Citi Clear Platinum - Exclusive Offer
Exclusive
Citi Clear Platinum - Exclusive Offer
0% p.a. for 24 months with 1.5% balance transfer fee
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Reduced First Year Annual Fee & Balance Transfer Offer
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
$0 First Year Annual Fee and Balance Transfer Offer
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Go to site More info
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Exclusive
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
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.

Low Annual Fee with Balance Transfer Offer
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
Go to site More info
NAB Low Fee Platinum Card
NAB Low Fee Platinum Card
0% p.a. for 24 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Platinum Credit Card with Balance Transfer
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
Go to site More info
ANZ Low Rate
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Long-Term Balance Transfer Offer
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Go to site More info
Virgin Money Low Rate Credit Card
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
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Go to site More info
Citi Simplicity Card
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
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Go to site More info
Westpac Altitude Platinum Card - Qantas
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
60,000 Bonus Points and Annual Fee Offer
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Go to site More info
Bendigo Bank Low Rate Platinum Mastercard
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, a $0 first year annual fee.
Go to site More info
Virgin Australia Velocity Flyer Card - Bonus Points Offer
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.
Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Annual Fee Refund & Balance Transfer Offer
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.
Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
0% Purchase Offer with Virgin Australia Gift Voucher
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
Go to site More info
St.George Amplify Signature - Qantas - Online Offer
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Reduced First Year Annual Fee & Bonus Points Offer
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
Go to site More info
NAB Low Fee Card
NAB Low Fee Card
0% p.a. for 18 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, a 18 month balance transfer offer and special offers from Visa Entertainment.
Go to site More info
Citi Rewards Platinum Credit Card
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.
Go to site More info
ANZ First Visa Credit Card
ANZ First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Low Annual Fee and up to interest-free days
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
Go to site More info
HSBC Low Rate Credit Card
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.
Go to site More info

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 card?

Credit Card Finder® is a free, Australian-owned service that lets you compare credit card offers from banks, credit unions and other financial institutions in Australia. It is 100% free for you to use this service, with no hidden costs for any of the credit card comparisons or resources on the site. To help you make the best credit card* choice based on your goals and needs, check out our guides and comparison tables for different types of cards, including 0% balance transfer credit cards and low interest cards. You can also compare cards by issuer, read individual card reviews and explore introductory offers.

When you find a credit card that you want to apply for, just click the "Go to Site" link. 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 credit card company. This means finder.com.au does not collect your personal details during the application process. Remember to 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.

The types of credit cards that are available to you

Find out about the different types of credit cards available to you with the below options.

Westpac Credit Card Offer

Westpac Low Rate Card

0% p.a. for 24 months
on balance transfers
with a one-time 1% balance transfer fee
$0 first year annual fee

Offer ends 23 October 2018

Eligibility criteria, terms and conditions, fees and charges apply

Westpac Credit Card Offer

The Westpac Low Rate credit card features a long-term balance transfer offer, a first year annual fee waiver and a low variable interest rate on purchases.

  • 0% p.a. on balance transfers for 24 months with a one-time 1% BT fee. Reverts to variable cash advance rate (19.49% p.a.)
  • $0 annual fee for the first year ($59 p.a. thereafter)
  • A low variable interest rate of 13.49% p.a. on purchases
  • Request an additional cardholder at no extra cost.
  • New card applications only. Balance transfer must be requested at card application.
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53 Responses

  1. Default Gravatar
    nevilleMay 20, 2018

    I have had a AMEX card for 30years, my card is a AMEX Platinum Reserve and when you scroll through all the cards I could not find any with Reserve. Is this the same as one of the other Platinum?
    Thanks.

    Reply
    • finder Customer Care
      JeniMay 20, 2018Staff

      Hi Neville,

      Thank you for getting in touch with finder.

      As of the 1st of October 2014, American Express Platinum Reserve Credit Card is no longer available for new applications that is why you can’t find this card in our comparison page.

      For further info, please visit this page.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
  2. Default Gravatar
    kateApril 15, 2018

    Please advise when the the complimentary Qantas airport lounges currently offered as a bonus when applying for the amex ultimate Qantas card apply. Is it only after a year of membership? Do they need to be applied for or do they come automatically? Are they available once the $3000 spend has been reached?
    Thanks,
    Kate

    Reply
    • finder Customer Care
      JeniApril 15, 2018Staff

      Hi Kate,

      Thank you for getting in touch with finder.

      To be eligible to get into a Qantas Airport Lounge or Club, you can choose to pay for a one, two or four year membership to the Qantas club using your Qantas points, or by paying a fee. As a Qantas Club member you will have access to Qantas-operated international business lounges, as well as the Emirates lounge in Dubai, provided your next flight is with Qantas or Emirates.

      For more info on Qantas Airport Lounge, please see this link.

      When you apply online, are approved and spend $3,000 on eligible purchases within the first three months of card membership then you get your 55,000 bonus points.

      You may also want to check out this link for more info on your American Express Qantas Ultimate Card.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
  3. Default Gravatar
    JoeMarch 25, 2018

    I want a credit card with a travel insurance for over 80 year old attached.
    Thank you

    Reply
    • finder Customer Care
      LouMarch 26, 2018Staff

      Hi Joe,

      Thanks for your question.

      Most credit card complimentary travel insurance we feature on our website are only available for those 80 years old or under. Upon checking, I found that NAB complimentary travel insurance are available for those who are up to 90 years old. However, cardholders between the ages of 76 and 90 years receive limited benefits compared to cardholders aged 75 years and under, including no overseas travel and medical insurance benefit.

      You may compare NAB credit cards with complimentary travel insurance on this page.

      Cheers,
      Anndy

      Reply
  4. Default Gravatar
    TyponyGuyMarch 5, 2018

    Hi,
    I have a car loan with a high EMI (around 2700 per month for 9 more months) and a credit card with 6000 limit. I have an income of 10000 pre tax.
    Would I be eligible for another credit card (Amex Explorer)?
    I am concerned, if I apply and it gets rejected, it will just reduce my credit rating.

    Reply
    • finder Customer Care
      JhezelynMarch 7, 2018Staff

      Hi TyponyGuy,

      Thank you for your comment.

      Please note that each time you submit an application for a credit card, the provider will conduct a hard credit inquiry which means requesting a copy of your credit report. Regardless if you’re approved or not, this is recorded on your report for up to two years and each hard inquiry can take a few points off your credit score. Kindly refer to the pages below to know how a credit card application can impact your credit score.
      – https://www.finder.com.au/how-having-too-many-credit-card-applications-might-backfire-on-you
      – https://www.finder.com.au/avoid-submitting-multiple-credit-card-applications

      By the way, you may be able to apply for the American Express Explorer Credit Card provided that you meet their criteria that is outlined on this page.

      Regards,
      Jhezelyn

      Reply
    • Default Gravatar
      TyponyGuyMarch 7, 2018

      Hi Jhezelyn,

      Thanks for the response.
      I understand how even a successful application can take points out of my credit rating etc.
      My only concern here was how having a car loan, which is for a short period but high monthly repayments, would affect my credit card application.
      My credit rating going low after a successful application is a much safer, better situation than it going low with a rejected application.

      I just wanted to understand how much of a ‘high risk’ customer does my car loan make me currently. And as far as the eligibility criteria mentioned on the page goes, I believe even after taking the monthly repayments out of my income, I would be fulfilling the criteria.
      Is there a way I can be sure about that though?

      Reply
    • finder Customer Care
      JhezelynMarch 7, 2018Staff

      Hi TyponyGuy,

      Thank you for getting back to us.

      Generally, credit card providers want to determine whether you will be able to afford to make repayments, and if you have too much liabilities to repay, like that of the car loan, then there’s a risk your credit card application will be rejected. Also note that credit card is a product for people with good credit only.

      Still best to directly ask the provider about your chances of getting approved for a credit card application as criteria varies depending on the provider. You may refer to some of our guides on how to be approved for credit cards below:
      – https://www.finder.com.au/how-to-get-your-credit-card-application-approved
      – https://www.finder.com.au/requirements-when-applying-for-a-credit-card

      Regards,
      Jhezelyn

      Reply
  5. Default Gravatar
    akashFebruary 20, 2018

    credit card yes bank mai apply kervana hai
    plz help me

    Reply
    • finder Customer Care
      JonathanFebruary 21, 2018Staff

      Hi Akash, can you please rephrase your question?

      Thanks,

      Jonathan

      Reply
  6. Default Gravatar
    TonyFebruary 6, 2018

    Hi just about to move to Australia, do credit cards here provide interest free installment plans on airline ticket purchases. In my home country I can avail of a3,6,9or 12 months interest free repayment facility on ticket purchases of over a certain value.

    Thanks

    Reply
    • finder Customer Care
      JonathanFebruary 28, 2018Staff

      Hi Tony, thanks for your inquiry!

      Whilst credit cards do not provide interest free instalment plans on airline tickets, you may apply for a 0% purchase credit card. This type of card enables you to make purchases and not pay any interest for a set period of time.

      Best,

      Jonathan

      Reply
  7. 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?

    Reply
    • Default Gravatar
      MariaNovember 25, 2017

      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

      Reply
  8. Default Gravatar
    RoslynNovember 9, 2017

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

    Reply
    • Default Gravatar
      LiezlNovember 9, 2017

      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

      Reply
  9. 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

    Reply
    • finder Customer Care
      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

      Reply
  10. 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.

    Reply
    • Default Gravatar
      DanielleOctober 19, 2017

      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

      Reply
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