Best credit cards in Australia September 2026

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Best frequent flyer card
Qantas American Express Ultimate Card Most LovedQantas Frequent Flyer	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	Go to siteView details Compare product selection Compare	loading	Why we like it The Qantas American Express Ultimate Card is a points-earning machine. You can 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 spend a further $5,000 within 3 months of paying your second-year annual fee. It also has one of the highest earn rates on the market and some great travel perks, like 2 complimentary lounge passes and travel insurance. While there is a higher than average annual fee of $450, it's entirely offset by the annual travel credit. The only thing you really need to watch out for is the 3.5% currency conversion fee if you're travelling overseas. Pros & cons Pros Up to 120,000 bonus Qantas Points Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped $450 Qantas Travel Credit each year Cons High $450 annual fee High 23.99% p.a. interest rate for purchases 3.5% foreign currency conversion fee
Best no annual fee card
Kogan Money Credit Card - Balance Transfer Exclusive Offer ExclusiveKogan Rewards Program	21.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 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 siteView details Compare product selection Compare	loading	Why we like it Kogan Money's credit card is a very rare card that combines a genuine ongoing no annual fee with rewards points. This means you not only have a card that costs you nothing to hold, you'll also earn points when you use the card. You can use these points when shopping at Kogan. Just avoid the temptation to buy things you don't need, otherwise your cheap no annual fee credit card will end up costing you more than you planned! It also offers a competitive balance transfer offer and is exclusive to Finder. Pros & cons Pros No annual fee 0% p.a. on balance transfers for 18 months Uncapped reward points Cons 2% balance transfer fee High 22.74% p.a. interest rate for balance transfers after the introductory period 3.4% foreign currency fee
Best balance transfer card
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	Go to siteView details Compare product selection Compare	loading	Why we like it This card has one of the market's longer balance transfer offers of 0% p.a. balance transfer offer for 25 months (with a 3% balance transfer fee). You could transfer debt to this card and repay it with no interest for over 2 years. The low $69 annual fee also helps keep your account costs down. This card has a Finder Score of 9.77 in the balance transfer category. Pros & cons Pros 0% p.a. on balance transfers for the first 25 months 3% back in Latitude Rewards Complimentary E-Commerce Purchase Protection Insurance Cons A 3% balance transfer fee applies 29.99% p.a. cash advance rate is relatively high
Best business credit card
American Express Platinum Business Card Most LovedAmerican Express Membership Rewards	N/A	Bonus points 350,000	Points per $ spent 2.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $1,750	Go to siteView details Compare product selection Compare	loading	Why we like it This is a business charge card, which means you have to pay the balance off in full. It has one of the highest bonus reward points offers on the market, with 350,000 Bonus Membership Rewards Points and an $875 credit when you spend $12,000 on your new card in the first 3 months from card approval. New Amex card members. T&Cs only. You can use these points for gift cards, book travel through the American Express Travel Online booking service or transfer the points to Qantas Points or other partner airline rewards programs. You can even offset business expenses with the points. This card is really designed to reward serious business spending and travel. If you use the card's complimentary travel insurance and access to over 1,550 airport lounges worldwide, it should give you value for money. Pros & cons Pros 350,000 Bonus Membership Rewards Points and an $875 credit High 2.25 points per $1 on most eligible spending, with 1 point per $1 on government spend Complimentary domestic and international travel insurance when you pay for your return trip on your card Cons The standard $1,750 annual fee is one of the highest on the market 3.5% foreign currency conversion fee American Express is not as widely accepted as Visa or Mastercard
Best cashback credit card
ANZ Platinum Credit Card	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 siteView details Compare product selection Compare	loading	Why we like it With this card you can get $450 credit back when you spend $4,500 on eligible purchases in the first 4 months. And the $0 first-year annual fee also gives you a way to save on account costs, with a $87 annual fee after that. The card's complimentary insurance includes international and domestic travel insurance, rental vehicle excess in Australia, extended warranty insurance and purchase protection cover. Pros & cons Pros $450 credit back on your new card $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is waived if you spend more than $20,000 on the card each year. Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance Cons Does not offer a rewards program Charges a 3.5% foreign transaction fee
Best rewards card
ANZ Rewards Black Credit Card Finder AwardANZ Rewards Program	20.99%	Bonus points 180,000	Points per $ spent 2	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $320	View details Compare product selection Compare	loading	Why we like it If you're looking to earn a stack of rewards points and get other travel perks, the ANZ Rewards Black Credit Card is hard to beat. It offers up to 180,000 extra ANZ Reward Points if you meet the spend requirements. These points are worth $800+ in digital gift cards but you could also redeem them for enough Velocity Points to get a one-way business class flight from Sydney to Honolulu. It has a decent earn rate too, plus complimentary travel insurance. The $320 annual fee is on the higher side, but worth it if you take full advantage of all the card offers, which includes a personal concierge that can help you with travel planning, restaurant or hotel bookings. Pros & cons Pros Up to 180,000 extra ANZ Reward Points $100 back on your new card Up to 2 ANZ Reward Points per $1 spent Cons Charges a relatively high annual fee of $320 p.a. 3.5% foreign transaction fee Additional cardholder fee of $65 per card
Best 0% interest rate card
MyCard Rewards - Purchase and Balance Transfer Offer MyCard Rewards	0% for 15 months, then 22.49%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 15 months with 2% balance transfer fee, then 22.99%	Annual fee $199	View details Compare product selection Compare	loading	Why we like it This card gets you 0% interest for 15 months (and the same if you're doing a balance transfer, but with a 2% balance transfer fee). And it even lets you earn points at a pretty good rate. The main thing to understand with a card like this is that the purchase rate will increase to 22.49% p.a. after the introductory period. If you're not aware of this, and haven't paid your balance off in full, it could catch you by surprise. Pros & cons Pros 0% p.a. on purchases and balance transfers for the first 15 months Up to 15% off Luxury Escapes (up to $250) Complimentary purchase protection insurance and extended warranty insurance Cons There is a one-time 2% balance transfer fee High 22.49% p.a. interest rate for purchases after the introductory period 22.99% p.a. cash advance rate applies to any remaining balance transfer after the introductory period
Best interest-free and 0% foreign fee card
humm90 Platinum Mastercard	27.3%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 110 days on purchases	Balance transfer rate p.a. N/A	Annual fee $119.40	View details Compare product selection Compare	loading	Why we like it This card has 0% foreign transaction fees. But the really unique benefit with this card is that you get up to 110 days on purchases. Most cards offer up to 55 days, so this is great if you're making big purchases and want to repay them over time. Pros & cons Pros 0% foreign transaction fees Up to 110 days of interest-free purchases Access to interest-free instalment plan options Cons High 27.3% p.a. interest rate on purchases High 28.99% p.a. interest rate on cash advances Charges a $0.95 fee for BPAY repayments
Best travel credit card
Latitude 28° Global Platinum Mastercard Latitude Rewards	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 12 months with 3% balance transfer fee, then 29.99%	Annual fee $0 first year ($96 after)	Go to siteView details Compare product selection Compare	loading	Why we like it With the Latitude 28° Global Platinum Mastercard you get 0% international transaction fees on purchases while you travel overseas or shop online. This card has a bunch of handy travel perks too. You get free data roaming with Flexiroam, which gives you a choice of SIMs and 3GB of free data for 15 days each calendar year to use in over 150 countries. Plus there's free lounge access when your flight is delayed with the Flight Delay Pass at select airport lounges. Pros & cons Pros $0 first-year annual fee 0% international transaction or currency conversion fees on purchases Up to $240 Latitude Rewards Cons Purchase interest rate of 28.99% p.a. Charges a payment handling fee of $1.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude Service Centre or via direct debit.

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Want to see more of the best credit cards on the market? Check out Finder's 2026 Credit Card Award winners. These cards were the top scoring cards consistently over 12 months.

• How we chose our top picks

  
  The Finder Score is a fast, easy way to compare credit cards. The higher the score, the better the card.

  We look at all the cards in our database (that's over 220 credit cards) and score them based on the value they offer through a combination of fees, points, rates and other details.

  We also created different scoring categories based on different card types and customer needs.

• Finder Score credit card categories

  We score cards differently depending on the category. One card can have a really great balance transfer offer while also being a halfway decent frequent flyer card. It might get a 9 for the first and a 7 for the second.

  • Balance transfer credit cards
  • Frequent flyer credit cards
  • Rewards credit cards
  • Low rate credit cards
  • Cashback credit cards
  • No annual fee credit cards
  • 0% interest credit cards

  If a card has a 0% balance transfer offer for 24 months with a low fee, that's a great option for anyone looking to get their debt under control. It could score 8 or 9 in the balance transfer category. But if the card also let you earn Qantas Points at a pretty low rate, with no other perks, it might only get a 6 or 7 in the frequent flyer category.

How do I find the best credit card?

• Work out what you are looking for. Before you do anything else, you have to know what you want in a card. The best credit card for a young person struggling with debts is very different to the best card for a cashed up frequent flyer.
• Compare rates, fees, points and perks. For every type of credit card, the best cards will either have low fees and low rates, or offer a level of rewards, points and perks that more than make up for the high fees.
• Use the Finder Score. If a credit card has a Finder of score of 8 or 9, it's a pretty good card.

Our expert says: The best credit card is one you can actually get approved for

"Don't let a giant bonus points offer or a razor sharp rate distract you. Check you're eligible before applying for a card. If you're working part-time and only earning $25,000 a year, you won't get approved for a card that gives you 100,000 Qantas Points on sign up. Check your credit score and check if a card has a minimum income or minimum credit limit before you apply."

Richard Whitten

Senior Money Editor

How to find the best credit card for your situation

The best credit card is the one that works best for you. So what are you looking for?

I spent a lot each month, and I like shopping

You're probably looking for a reward credit card that gives you points when you spend money. But there are also cards that let you earn reward points with various banks, which can be used on gift cards and other incentives. And there are cards that offer cashback when you spend.

• How to get the best rewards card. Figure out what kind of rewards you want, based on how much value you can get from the points and how easy it is to earn them. Make sure the benefits you get outweigh the card's annual fee.

I fly a lot and I'm a big spender

You're probably looking for a card that lets you earn either Qantas Points or Velocity Points. You could also get a rewards credit card and convert the points to a frequent flyer program (but earning frequent flyer points directly tends to give you more value).

• How to get the best frequent flyer card. Look at both the earn rate (how many points you get per dollar spent) and the bonus points offer. You should be able to earn tens of thousands of points in the first few months with a good bonus offer. Cards with more points have higher annual fees. But the points should more than outweigh the annual fee.

I am struggling with credit card debts

You're probably looking for a balance transfer credit card offer. These cards let you transfer an existing credit card balance to a new card and pay 0% interest for a limited time (plus a 1–3% fee). This lets you pay off your debt without sky-high interest charges.

• How to get the best balance transfer card. The best balance transfer offer will be 0% for 24 months (or higher), with a fee. But you should also look at all the card's details, like the annual fee and the purchase rate. Because you will get charged interest on new spending you do with the card.

I just need a basic credit card for emergencies and will pay it off in full each month

Finder research shows 40% of Australians got their last credit card for emergencies. When that's the case, a no annual fee card costs you nothing to keep. And if you pay it off in full each month, it could cost you nothing at all.

• How to get the best no fee card. Look at any other perks or benefits the card offers. And be aware that some cards may waive the annual fee in the first year only, while others never charge a fee.

I can't pay my credit card balance off each month

Carrying a balance (not paying off your credit card in full each month) gets expensive when some credit cards have interest rates above 20%. If you're in this situation look for a low rate credit card. These cards don't offer great perks or bonus points, but you'll pay less interest while you repay the card balance.

• How to get the best low rate card. Low rate cards have purchase rates from 8%–15% p.a. The lower the rate the better. But factor in the card's annual fee too (you might find a $0 fee offer or a low fee of around $55).

I need a credit card for my business

The name says it all. If you're a sole trader or a business owner, a business credit card offers expense management tools and features such as detailed statement breakdowns, automatic feeds for accounting software and cards for employees.

• How to get the best card. These cards come in many shapes and sizes. Look out for the card's rate and annual fee, obviously. Some business cards let you earn points on spending, which can give you tons of points. Make sure the card offers integration with your business accounting software too.

Top 4 credit card brands for customer satisfaction

The best credit card is all about rates, fees, points, perks and features. But what about customer service? Which brands are most popular with actual customers?

The Finder Customer Satisfaction Awards surveyed hundreds of Australians about the credit card brands they trust and love the most. Here are the winners.

Bank	Overall satisfaction
ING	★★★★★ 4.21/5
American Express	★★★★★ 4.18/5
Bendigo Bank	★★★★★ 4.10/5
Commonwealth Bank	★★★★★ 4.01/5

Frequently asked questions

• What is the most widely accepted credit card in Australia?

  Mastercard and Visa credit cards are widely accepted across Australia. While American Express is not accepted everywhere (at Aldi, for example) most major retailers accept it now, and it added over 610,000 new merchant locations in 2024.

• Is it better to get a credit card from your existing bank or a different provider?

  Getting a credit card from your current bank can make it easier to manage because you'll see your accounts in one place. You could also be able to make repayments easily between your transaction account and the credit card.

  But loyalty doesn't always pay. And your bank may not have the best credit card with the features you want. So it's better to compare credit card brands: you could easily find a new card that offers better rewards or more points with a lower annual fee.

• 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 can 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 usually charge late fees, unlike buy now pay later. They 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 less reason to get a credit card – unless you want to build your credit history.

• What is a good first-time credit card?

  Credit cards with low interest rates, low fees and low or modest credit limits are typically the best options because these features help keep costs down. A low credit limit can also reduce the risk of unmanageable debt.

  Some people may also consider no interest credit cards with a flat, monthly fee for their first credit card. These cards are similar to BNPL and have clear, structured repayment details and only offer credit limits between $1,000 and $3,000.

• Which bank offers the best credit card perks?

  ANZ and American Express offer great rewards programs, with ANZ providing Qantas Frequent Flyer benefits and Amex offering solid cashback and travel perks – noting that Amex is not as widely accepted, and the fees can be higher. For low-interest and balance transfer benefits, NAB is a good option.

• What is the most powerful credit card in the world?

  The Centurion Card (also known as the Amex Black Card) is one of the most exclusive and prestigious cards in the world. It's invitation-only, made of titanium and offers elite status when booking at certain hotels or airlines and a personal concierge.

• Can you get a credit card with 0% interest?

  Yes, many cards, such as the NAB and Bankwest credit cards, offer 0% interest on purchases or balance transfers for promotional periods. This means you can either make purchases and pay 0% interest for a period, or you can transfer debt from another card and pay 0% interest on that debt while you pay it off.

• What is the highest credit limit you can get?

  Credit limits vary depending on your income, debts, number of dependants and number of other credit cards. Each provider has their own credit policy, too, which means the amount one provider approves you for might be different to another provider. To estimate your potential credit limit, use our credit card limit calculator.

To make sure you get accurate and helpful information, this guide has been edited by Sarah Megginson as part of our fact-checking process.

Written by

Richard Whitten

Senior Money Editor

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 791 Finder guides across topics including:

• Home loans
• Credit cards
• Personal finance
• Money-saving tips