Finder makes money from featured partners, but editorial opinions are our own.

Credit cards that are actually good

There’s a lot of junk credit cards (we know – we compared over 400). These are the good ones.

Balance transfer
1 - 15 of 18
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
St.George Vertigo Card
St.George Vertigo Card image
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 21.99%
Annual fee
$55
Go to siteMore Info
0% Balance Transfer Offer
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee). Ends 31 July 2024.
Qantas Premier Platinum
Qantas Premier Platinum image
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
100,000
Points per $ spent
1
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
$349 first year ($399 after)
Go to siteMore Info
Up to 100,000 Bonus Points
Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
Virgin Money Anytime Rewards Credit Card
Virgin Money Anytime Rewards Credit Card image
Virgin Money Rewards
Purchase rate p.a.
19.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months, then 20.99%
Annual fee
$149
Go to siteMore Info
80,000 bonus Virgin Money Points
Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
NAB Low Rate Credit Card
NAB Low Rate Credit Card image
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)
Go to siteMore Info
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.
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card image
Finder Award
ANZ Rewards Program
Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
2
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$375
Go to siteMore Info
180,000 Bonus Points & $150 back
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer image
Finder Award
Velocity Frequent Flyer
Purchase rate p.a.
20.74%
Bonus points
N/A
Points per $ spent
0.66
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months, then 20.99%
Annual fee
$0 first year ($149 after)
Go to siteMore Info
0% Balance Transfer Offer
Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
Bankwest Breeze Classic Mastercard
Bankwest Breeze Classic Mastercard image
Purchase rate p.a.
0% for 12 months, then 12.99%
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 12 months with 2% balance transfer fee, then 12.99%
Annual fee
$49
Go to siteMore Info
0% Interest Offers
Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).
ANZ Platinum Credit Card
ANZ Platinum Credit Card image
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)
Go to siteMore Info
$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.
Kogan Money Card – Exclusive Offer
Kogan Money Card – Exclusive Offer image
Exclusive
Kogan Rewards Program
Purchase rate p.a.
9.99% for 18 months, then 21.99%
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 2% balance transfer fee, then 22.74%
Annual fee
$0
Go to siteMore Info
0% Balance Transfer & 9.99% Purchase Rate Offers
Save with 0% p.a. interest on balance transfers (with a 2% BT fee) and 9.99% p.a. on purchases, both for 18 months, plus, an ongoing $0 annual fee.
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card image
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
90,000
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
Up to 90,000 bonus Qantas Points
Get a yearly $450 Travel Credit and up to 90,000 bonus Qantas Points (70,000 when you spend $3,000 in the first 3 months and 20,000 points in year 2).
Westpac Low Rate Card
Westpac Low Rate Card image
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 21.99%
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.
Virgin Money No Annual Fee Credit Card
Virgin Money No Annual Fee Credit Card image
Purchase rate p.a.
0% for 6 months, then 19.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
Go to siteMore Info
0% Interest Offer
Save with a $0 annual fee and 0% p.a. on purchases for 6 months.
ANZ Low Rate - Credit Back Offer
ANZ Low Rate - Credit Back Offer image
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.
Qantas Premier Everyday
Qantas Premier Everyday image
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
Go to siteMore Info
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.
Bankwest Breeze Platinum Mastercard
Bankwest Breeze Platinum Mastercard image
Purchase rate p.a.
0% for 12 months, then 12.99%
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 12 months with 2% balance transfer fee, then 12.99%
Annual fee
$69
Go to siteMore Info
0% Interest Offers
Get 0% p.a. interest on purchases and balance transfers for 12 months (with a 2% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
loading
Showing 15 of 18 results

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.

Back to top

What's next?
Get more value from a credit card by comparing the latest offers and applying now.

Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 526 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips

More guides on Finder

Go to site