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Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
St.George Vertigo Card
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 1% balance transfer fee, then 21.49%
Annual fee
$55
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0% Balance Transfer Offer
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
NAB Low Rate Credit Card
Purchase rate p.a.
13.49%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.74%
Annual fee
$0 first year ($59 after)
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0% Balance Transfer Offer
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
Kogan Money Card – Exclusive Offer
Exclusive
Kogan Rewards Program
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 18 months with 1% balance transfer fee, then 21.74%
Annual fee
$0
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0% Balance Transfer Offer
Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee.
Citi Clear Card - Exclusive Offer
Exclusive
Purchase rate p.a.
14.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1.5% balance transfer fee, then 22.24%
Annual fee
$49 first year ($99 after)
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0% Balance Transfer Offer & First-Year Annual Fee Discount
Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee.
American Express Qantas Business Rewards Card
Qantas Business Rewards
Purchase rate p.a.
0%
Bonus points
170,000
Points per $ spent
1.25
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
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170,000 Bonus Qantas Points Offer
(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
ING Orange One Low Rate
Green Company
Purchase rate p.a.
11.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
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100% foreign transaction fee rebates
$0 annual fee and 100% foreign transaction fee rebates for customers with an Orange Everyday account who meet the minimum deposit and spend requirements.
Coles No Annual Fee Mastercard - Bonus Points Offer
Flybuys
Purchase rate p.a.
0% for 6 months, then 19.99%
Bonus points
20,000
Points per $ spent
0.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
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20,000 Bonus Flybuys Points
Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
ANZ Platinum Credit Card
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$0 first year ($87 after)
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$300 back & $0 First-Year Annual Fee
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
Qantas American Express Ultimate Card
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
60,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore Info
 60,000 bonus Qantas Points
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
Annual fee
$59
Go to siteMore Info
0% Balance Transfer Offer
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Qantas Premier Everyday
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
8,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$99
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8,000 Bonus Qantas Points
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
American Express Velocity Business Card
Velocity Frequent Flyer
Purchase rate p.a.
0%
Bonus points
200,000
Points per $ spent
1
Interest-free period
Up to 51 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$249
Go to siteMore Info
200,000 bonus Velocity Points
ABN holders w/ $75,000 revenue. Get 200,000 bonus Velocity Points when you spend $5,000 in the first 2 months.
ANZ Qantas Business Rewards
Qantas Business Rewards
Purchase rate p.a.
20.24%
Bonus points
130,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$375
Go to siteMore Info
130,000 Bonus Points
ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.
ANZ Low Rate - Credit Back Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$58
Go to siteMore Info
$250 Credit back
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
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How do I know which credit card is best?

Even though there's no one "best" credit card for everyone, there are a few things that have universal appeal, including:

  • Low fees and interest rates to help you save on credit card costs
  • A long 0% balance transfer period if you want to pay off debt without interest
  • Rewards, travel perks or other extras that you can use to get more value
  • A bank you want to deal with (think good service, a cool app or mobile payments)

How important each of these are to you will help you decide which card will best fit your wallet.

Common questions about finding the best type of card for you

Sometimes people will look at 2 or more types of credit cards – or even another payment method – when they're trying to find the best one for them. So we've answered some of the most common "which is better" questions to help you decide.

Which is better: Rewards or frequent flyer credit cards?

If you're focused on getting rewards through Qantas Frequent Flyer or Velocity Frequent Flyer, a card that earns those points makes the most sense. With some cards, the bonus points alone could be enough for you to get a reward flight in business class, overseas or both.

On the other hand, a rewards credit card gives you better options if you're a member of a few loyalty programs and want to transfer points between them. Rewards credit cards also give you more choice with gift cards, cashback and retail goodies.

Which is better: A low interest rate or no annual fee on your credit card?

Low rate credit cards are better if you don't pay your bill in full every month. You'll still have to pay more than what you borrowed, but it will usually cost you less than a card with no annual fee (and a higher interest rate).

A $0 annual fee card is great if you pay as you go or repay everything when it's due. This means you won't be paying interest charges anyway, so paying no annual fee means you effectively pay nothing to use your card.

Which is better: A 0% balance transfer credit card or a personal loan?

If you want to pay off existing debt, a 0% balance transfer credit card works well for credit card debt you can pay off within 2.5 years. This is because the 0% introductory rate typically lasts for between 6 and 32 months.

If you want smaller repayments spread out over a longer period of time, personal loans offer terms from 1 to 5 years – and some offer up to 10 years to repay debt. So you'll pay interest, but it could make it easier to chip away at what you owe. Personal loans also let you consolidate credit card debt, buy now pay later (BNPL) debt and other types of loans.

Which is better: No interest, flat monthly fee cards or a buy now pay later plan?

A no interest credit card with a flat, monthly fee might be good if you want to pay off what you buy over time without being limited to selected retailers, which you sometimes are with Afterpay, Klarna and some other BNPL plans. These credit cards don't typically have late fees and are also better if you want to build up your credit history because most BNPL plans don't add to your credit report.

But if you mostly shop with the partnered brands and can make all of your payments on time (to avoid late fees), you could use a platform like Afterpay without any costs. And if you already have an account that you're happily using, there's probably no reason to get a credit card – unless you want to build your credit history.

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