Credit card deals

Finder Award

ANZ Frequent Flyer Black

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Up to 100,000 bonus Qantas Points
$370 annual fee + $55 rewards fee
22.49% p.a. purchase rate

Most Loved

Qantas American Express Ultimate Card

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Up to 120,000 bonus Qantas Points
$450 Qantas Travel Credit each year
$450 annual fee

Most Loved

American Express Explorer Credit Card

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100,000 Bonus Membership Rewards Points offer
$400 Travel Credit each year
$395 annual fee

ANZ Low Rate - Credit Back Offer

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$400 credit back
$58 annual fee
13.74% p.a. interest rate

15 of 39 results

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
ANZ Frequent Flyer Black Finder AwardQantas Frequent Flyer	22.49%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $370	Up to 100,000 Bonus Points Get up to 100,000 bonus Qantas Points: 50,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval, and an additional 50,000 points when you keep your card for over 12 months.	Go to site View details Compare product selectionCompare	loading
Qantas American Express Ultimate Card Most LovedQantas Frequent FlyerUncapped points	23.99%	Bonus points 120,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Up to 120,000 bonus Qantas Points Get 70,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months and additional 50,000 points when you meet the same spend requirement in year 2. New American Express card members only. Ends 17 Nov 2026. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Low Rate - Credit Back Offer	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. 23.49%	Annual fee $58	$400 Credit back Get $400 back on your card when you spend $5,000 on eligible purchases in the first 6 months from approval. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Platinum Credit Card	22.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $0 first year ($87 after)	$350 back & $0 First-Year Annual Fee Earn $350 back to your new card when you spend $3,500 on eligible purchases in the first 4 months from approval. Plus, a $0 annual fee in the first year.	Go to site View details Compare product selectionCompare	loading
ANZ Frequent Flyer Platinum Qantas Frequent Flyer	22.49%	Bonus points 50,000	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 23.49%	Annual fee $240	Up to 50,000 Bonus Points Get up to 50,000 bonus Qantas Points: 25,000 bonus Qantas Points when you spend $3,500 on eligible purchases in the first 4 months from approval, and an additional 25,000 points when you keep your card for over 12 months.	Go to site View details Compare product selectionCompare	loading
Virgin Australia Velocity Flyer Card - Balance Transfer Offer Velocity Frequent Flyer	21.99%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 21.99%	Annual fee $169	0% Balance Transfer Offer	Go to site View details Compare product selectionCompare	loading
American Express Platinum Card Most LovedAmerican Express Membership RewardsUncapped points	N/A	Bonus points 150,000	Points per $ spent 2.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $1,450	150,000 Bonus Points Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. Only available to new card members who have not held any Amex card in the last 18 months. Ends 12 Jan 2027. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Latitude Gem Visa - Exclusive Offer Exclusive	28.99%	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 27 months with 3% balance transfer fee, then 29.99%	Annual fee $143.40	Finder exclusive: Save with 0% p.a. for 27 months on Balance Transfers (with 3% balance transfer fee). Balance Transfer offer only available to new customers approved by 26 Feb 2027. Balance Transfer must be submitted by 31 Mar 2027. T&Cs apply.	0% Balance Transfer Offer	Go to site View details Compare product selectionCompare	loading
Westpac Low Rate Card	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 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	0% Balance Transfer Offer	Go to site View details Compare product selectionCompare	loading
Virgin Money Anytime Rewards Credit Card Virgin Money Rewards	21.99%	Bonus points 60,000	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	Annual fee $169	60,000 bonus Virgin Money Points	Go to site View details Compare product selectionCompare	loading
American Express Explorer Credit Card Most LovedAmerican Express Membership RewardsUncapped points	23.99%	Bonus points 100,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $395	Up to 100,000 Bonus Membership Rewards Points Earn 75,000 Bonus Membership Rewards Points when you spend $4,000 on eligible purchases in the first 3 months and additional 25,000 points when you meet the same spend requirement in year 2. New American Express card members only. Ends 27 Apr 2027. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Latitude Low Rate Mastercard - Balance Transfer Offer	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 25 months with 3% balance transfer fee, then 29.99%	Annual fee $69	0% Balance Transfer Offer Balance Transfer offer only available to new customers approved by 31 Jan 2027. Balance Transfer must be submitted by 31 Mar 2027. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
American Express Velocity Platinum Card Finder AwardMost LovedVelocity Frequent FlyerUncapped points	23.99%	Bonus points 50,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $440	50,000 Bonus Velocity Points Earn 50,000 bonus Velocity Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 100 bonus Status Credits. New American Express card members only. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
NAB Qantas Rewards Signature Card Qantas Frequent Flyer	22.49%	Bonus points 60,000	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 22.99%	Annual fee $449	Up to 60,000 bonus Qantas Points & $200 cashback Earn up to 60,000 bonus Qantas Points (40,000 points + $200 cashback when you spend $5,000 in the first 90 days and additional 20,000 points when you keep your card open for over 12 months from activation).	Go to site View details Compare product selectionCompare	loading
ING Orange One Rewards Platinum Most Loved	16.99%	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 $149	Low Rate Credit Card with Cashback Rewards Up to $30 cashback per month and $0 ATM fees. Available when you hold or open an Orange Everyday bank account.	Go to site View details Compare product selectionCompare	loading

Showing 15 of 37 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 inside the interest-free window. This is because the 0% introductory rate typically runs from 6 months up to the longest offer in the table above.

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.

Finder Score methodology: How we chose our top picks

Finding a great credit card is confusing. But the Finder Score makes it easy.

We score all the credit cards in our database (that's hundreds!) and crunch the numbers on rates, fees, points and more to find the true best in market credit cards.

We judge cards based on several categories. Because different people need a good credit card for different reasons.

Here are our Finder Score credit card categories and their methodologies:

Some cards might score highly in one category but not as highly in others. We only score cards that meet the eligibility criteria for a given category.

What the Finder Scores mean

9+ Excellent - These cards offer the best value in their category. That means low interest rates, long 0% balance transfer offers, low fees, plenty of points and good value for money.
7+ Great - These cards offer decent value and may be a really good choice depending on what you're looking for.
5+ Standard - These are average cards that get the job done. You probably won't get the most points, the lowest rates or the best deal possible.
Less than 5 – Basic - These aren't the best value cards on the market. Some of them may be higher scoring in another category but are not strong offers for the category being scored.

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

Thank you for your feedback!

Written by

Richard Whitten

Senior Money Editor

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 764 Finder guides across topics including:

Home loans
Credit cards
Personal finance
Money-saving tips

More resources on Finder

Best credit card deals — we picked the actual best for November 2026