Best Credit Cards*

Compare Australian credit cards side by side to find the right card for you.

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What is the best credit card in Australia? With so many products available, there isn't one card that is right for every person. But thinking about the features you want, your spending habits and your financial history can help you compare your options and find the best credit card for you.

Compare some of the best credit cards

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Interest-free period Annual fee Balance transfer rate Balance transfer rate
ANZ Low Rate - Exclusive Offer
12.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
0% p.a. for 25 months with 1.5% balance transfer fee
0% Balance Transfer Offer
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
Citi Rewards Card
21.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 26 months with 1.5% balance transfer fee
0% p.a. for 26 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% interest on balance transfers for the first 26 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
Up to 55 days on purchases
$129 p.a.
0% p.a. for 22 months
0% p.a. for 22 months
0% Balance Transfer Offer & Annual Fee Refund
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
0% p.a. for 6 months with 2% balance transfer fee
Bonus Qantas Points Offer
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$79 p.a.
2.99% p.a. for 9 months
2.99% p.a. for 9 months
0% Purchase Rate Offer
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Skye Mastercard
23.99% p.a.
Up to 110 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Up to $300 cashback & 110 days interest-free
Get up to $300 cashback, 110 days interest-free on everyday purchases, 0% foreign transaction fees and flexible instalment plan options.
Westpac Low Rate Card
Finder Award
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 20 months with 1% balance transfer fee
0% p.a. for 20 months with 1% balance transfer fee
Long-Term Balance Transfer Offer & $200 Cashback
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Bankwest Breeze Platinum Mastercard
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$99 p.a.
2.99% p.a. for 9 months
2.99% p.a. for 9 months
0% Purchase Rate Offer
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
0% p.a. for 18 months with 1.5% balance transfer fee
No Annual Fee & 0% Balance Transfer Offer
Earn flybuys points for your spending and save with an ongoing $0 annual fee and 0% p.a. on balance transfers for 18 months.
ANZ Frequent Flyer Black
20.24% p.a.
Up to 55 days on purchases
$425 p.a.
20.24% p.a.
20.24% p.a.
100,000 Bonus Points & $150 back
Earn 100,000 bonus Qantas Points, 75 bonus Status Credits and $150 back when you spend $3,000 in the first 3 months with this premium card.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
0% p.a. for 18 months with 1.5% balance transfer fee
0% Balance Transfer Offer
Earn 2 flybuys points / $1 spent and save with a 0% balance transfer offer. Plus, 0% international transaction fees on purchases.
Virgin Money No Annual Fee Credit Card
18.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months
0% p.a. for 12 months
No Annual Fee & 0% Balance Transfer Offer
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
American Express Qantas Business Rewards Card
N/A
Up to 51 days on purchases
$450 p.a.
150,000 Bonus Points Offer
ABN holders w/ $75,000 revenue. Get 150,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
0% Balance Transfer Offer
Save with a low purchase interest rate, earn flybuys points as you spend and get up to 55 days interest-free.
Qantas American Express Ultimate Card
20.74% p.a.
Up to 44 days on purchases
$450 p.a.
80,000 bonus Qantas Points & $100 cashback
Get 80,000 bonus Qantas Points, $100 back, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months
0% p.a. for 18 months
Balance Transfer Offer & Up to 80,000 Bonus Points
Get up to 80,000 bonus Qantas Points, 75 bonus Status Credits, a discounted first-year annual fee and a 0% p.a. balance transfer rate for 18 months.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
0% p.a. for 6 months
0% p.a. for 6 months
$0 First Year Annual Fee & $150 Woolworths Gift Card Offer
Save with a $0 first-year annual fee and get a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 60 days.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 annual fee for the first year.
St.George Amplify Platinum - Qantas
19.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 6 months
0% p.a. for 6 months
Balance Transfer Offer & 60,000 Bonus Points
Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 6 months and complimentary insurance covers.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
6.99% p.a. for 12 months
6.99% p.a. for 12 months
0% Purchase Rate Offer & First Year Annual Fee Discount
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
Qantas Premier Everyday
19.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 12 months
0% p.a. for 12 months
Balance Transfer Offer & Up to 25,000 Bonus Points
Get up to 25,000 bonus Qantas points, a 0% balance transfer offer and complimentary insurance covers.
NAB Rewards Business Signature Card
18.5% p.a.
Up to 44 days on purchases
$175 p.a.
Business Credit Card Offer
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
St.George Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
0% p.a. for 13 months
0% Balance Transfer Offer & $0 First Year Annual Fee
Take advantage of a 0% p.a. balance transfer rate for 13 months, $0 first year annual fee, and a low variable 11.99% p.a. interest rate on purchases.
BankSA Vertigo
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Enjoy a 0% p.a. interest rate for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.
Bank of Melbourne Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Enjoy 0% p.a. on purchases and balance transfers along with a $0 first year annual fee waiver.
BankSA Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Save with a 0% p.a. interest rate for up to 22 months on balance transfers and up to 7 months on purchases. Plus a $0 first-year annual fee.
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What is the best credit card for me?

To choose the right credit card, you need to look at how you plan to use it, your current financial situation and your future goals. That way you can compare different features and benefits based on your circumstances.

For example, if you want a credit card that offers rewards and perks, look at frequent flyer cards or at platinum and black options. If you want a card to help you manage your expenses, compare 0% purchase, balance transfer or low rate cards. You can use these guides to discover the types of cards available, who they're suited to and how to find the ideal one for you.

Types of credit cards

While there are many types of credit cards available, they can generally be grouped into three main categories: balance transfer, rewards and low cost.

0% balance transfer credit cards

  • What are they? You can use a balance transfer credit card to pay off existing debt faster with a low or 0% interest rate for an introductory period.
  • Who are these cards suited to? People who have an existing credit, store or charge card debt and are paying interest at a higher rate than necessary. People with existing personal loan debt can also compare a limited number of credit cards that offer balance transfers for this type of debt.

How can I find the best balance transfer credit card?

  1. Compare balance transfer offers. Most offers give you a 0% interest rate on balance transfers for an introductory period, so you'll need to look at how many months this rate applies and what interest rate is charged at the end of it.
  2. Check for fees. As well as the annual fee, check to see if a one-time balance transfer fee will apply and make sure it doesn't outweigh the potential savings. You can also find out more about balance transfer fees in this guide.

Frequent flyer & rewards credit cards

  • What are they? Frequent flyer and rewards credit cards give you a way to earn points on your everyday purchases, which you can then redeem for travel, merchandise, experiences and more.
  • Who are these cards suited to? Frequent flyer and rewards members who pay off the balance of their credit card each month and want to earn points for their spending.

How can I find the best frequent flyer credit or rewards card?

  1. Choose the program you want to earn points through. As well as Qantas Frequent Flyer and Velocity Frequent Flyer credit cards, you can look at cards that earn bank or credit card rewards points, such as American Express Membership Rewards or Westpac Altitude Rewards cards.
  2. Compare the earn rate. This is the number of points you earn per $1 spent on eligible purchases. Check if there's a cap on how many points you can earn each month or each year and whether that will limit your points potential.
  3. Look at other valuable features. Are there any bonus points on offer, complimentary insurance covers, status credits, airport lounge passes or an annual fee waiver?

Low cost credit cards

  • What are they? These credit cards offer a lower interest rate on purchases – whether promotional or otherwise – and lower fees when compared to other cards.
  • Who are these cards suited to? If you plan to pay off purchases over time and want to keep your interest charges to a minimum, a low cost, low fee credit card could be a good option.

How can I find the best low cost credit card for me?

  1. Compare the interest rates. The lower the purchase rate, the better. Remember to look at the standard rate charged for purchases, as well as any introductory interest rate offers.
  2. Look at fees and other features. Weigh the card's annual fee against the potential savings you'll get from the low purchase rate and consider any other perks such as complimentary insurance or concierge services.

What’s next?

Get more value from a credit card by comparing the latest offers and applying now. Or get in touch with our customer service team if you want to know more.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 12.99% p.a.
2.99% p.a. for 9 months
$79 p.a.
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of 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.

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