Best Credit Cards*

From 0% interest offers to $0 fees, rewards and extras, compare Australian credit cards side-by-side to find the right card for you.

There is no one best credit card*. The right credit card for you will depend on your spending habits, the features you're looking for and your financial history. The tables on this page provide details of the offers available on creditcardfinder.com.au to help you compare cards based on your needs.

Planning to pay off your credit card debt? Compare balance transfer cards. Looking for a cheaper card? Consider low-rate and no annual fee cards. Want to get more rewards? Look at frequent flyer and rewards cards, or see if you qualify for gold, platinum and black cards for even more perks. Require a card for your business expenses? Seeking your first card as a student? Whatever you need, we can help you make an informed choice.

Compare Best Credit Card Offers*

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Rewards Credit Card with a Balance Transfer Offer*
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Platinum Card with 0% interest rates on purchases and balance transfers
Pay a competitive annual fee and also receive 0% p.a. for 12 months on balance transfers and purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
HSBC Platinum Credit Card offers an annual fee refund when you spend a minimum of $6,000 per year. You can also enjoy an introductory balance transfer rate of 0% p.a. for 15 months.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Enjoy a long-term offer of 0% p.a. for 18 months on balance transfers combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Go to site More info
HSBC Low Rate Credit Card
Long-term Balance Transfer Offer*
Enjoy a balance transfer offer of 0% p.a. for 15 months and a low purchase rate of 13.25% p.a..
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Go to site More info
NAB Premium Card
Platinum Credit Card with Balance Transfer Offer*
Enjoy Platinum benefits including complimentary travel insurance, 24/7 concierge plus a low interest rate on balance transfers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info
Citi Rewards Platinum Credit Card
0% for 24 months Balance Transfer Offer*
Enjoy a low and long-term balance transfer offer and reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Up to 75,000 Qantas Points*
Get up to 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months of card approval. Also enjoy 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Low Rate Credit Card & Long Term Balance Transfer Offer*
Enjoy a balance transfer offer of 0% p.a. for 12 months with a low annual fee from St.George
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Go to site More info
Qantas American Express Ultimate Card
Enjoy 75,000 bonus Qantas Points when you meet the spend criteria plus 75 Bonus Status Credits when you book and fly back with Qantas. Earn up to 2.5 Qantas Points per $1 spent on eligible purchases.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
International Frequent Flyer Credit Card*
Receive 60,000 bonus Qantas Points on eligible spend within 3 months, 1 Qantas Point per $1 spent and complimentary international travel insurance.
19.99% p.a. $199 p.a. Go to site More info
NAB Low Fee Card
Low Annual Fee & Balance Transfer Offer
0% p.a. for 18 months on balance transfers combined with a low annual fee.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Supermarket Platinum Credit Card Offer
Pay no annual fee in the first year and receive a $100 Woolworths eGift Card when you apply by 30 June 2017. Earn up to 3 points per $1 spent at Woolworths stores.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
$0 Fee Card with Balance Transfer Offer
0% p.a. for 12 months on balance transfers combined with no annual fee, reward points and insurances.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
19.99% p.a. 4.99% p.a. for 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
Low Rate Platinum Credit Card Offer
0% p.a. for 12 months on balance transfers with complimentary insurances and domestic flight inconvenience insurance.
0% p.a. for 6 months (reverts to 12.74% p.a.) 0% p.a. for 12 months $99 p.a. Go to site More info

* The offers compared on this page are chosen from a range of products 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 personal financial circumstances when comparing products.

What is the best credit card* for me?

To select the right credit card, you need to consider how you plan to use the card, your current financial situation and your future goals. This will allow you to compare the range of benefits and features available and choose the most suitable credit card based on your circumstances. But with so many options available, how do you know which card is best for you? Use this guide to discover the types of cards available, who they're suited to and how to find the ideal one for you.

Balance transfer credit cards: Repay your debt with 0% interest

  • What are they? Balance transfer credit cards let you pay off an existing debt from a credit, store or charge card with low or 0% interest for a set period. You can also consolidate other debts with some balance transfer cards, such as personal loans.
  • Who are these credit cards suited to? If you have an existing credit card debt that's accumulating interest, a balance transfer deal can help you pay off that debt faster.

How can you find the right balance transfer credit card?

  1. How good is the balance transfer offer? Most current balance transfer offers feature 0% interest during the promotional period, so you'll want to compare other key features: how long the promotional period lasts, what the interest rate reverts to when that period ends, what the annual fee is and if a balance transfer fee is charged.
  2. What fees apply? As well as annual fees, check if there's a one-time balance transfer fee (usually a percentage of the total debt) for the card.

Compare Balance Transfer Credit Cards and repay your debt with 0% interest

Rates last updated May 1st, 2017
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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
0% p.a. for 24 months with 3% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Take advantage of the introductory long-term balance transfer offer and reduced annual fee in the first year.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
3% p.a. for 36 months 12.74% p.a. $99 p.a. Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
An online exclusive credit card offer which comes with a long-term introductory rate on balance transfers and a low ongoing interest rate on purchases
0% p.a. for 24 months with 2% balance transfer fee 13.49% p.a. $59 p.a. Go to site More info
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
0% p.a. for 18 months with 3% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info

How balance transfer cards work and how best to use them

Best credit cards* for Frequent flyer rewards: Redeem flights with your favourite airline, retail products, gifts, cash back and shopping vouchers.

  • What are they? Frequent flyer credit cards help you earn frequent flyer points from everyday purchases, either directly or by transferring card reward points into your chosen airline loyalty program.
  • Who should consider frequent flyer cards? Anyone who wants to maximise their frequent flyer points total to enjoy free flights and other benefits.

How can you find the right frequent flyer credit card?

  1. Which frequent flyer program is available? Some credit cards are tied directly to a specific airline rewards scheme, such as Qantas Frequent Flyer or Virgin Velocity. Others allow you to transfer credit card reward points to partner frequent flyer programs, such as American Express Membership Rewards or Westpac Altitude Rewards cards.
  2. Compare the earn rate. The earn rate is the number of points you earn per $1 spent. Also check whether there's a cap on how many points you can earn each month or each year.
  3. Other valuable features. What other features do you want from your card? Are there any bonus points on offer, complimentary insurance, airport lounge passes or an annual fee waiver?

Compare Frequent Flyer Credit Cards

Rates last updated May 1st, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 1 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
NAB Rewards Platinum Card
NAB Rewards Platinum Card
80,000 bonus points 1 $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card
75,000 bonus points 1.5 $450 p.a. Go to site More info

How to earn maximise your frequent flyer points with your credit card

Rewards credit cards: Earn more points per $1 spent and redeem with your favourite retailers, stores and airlines.

  • What are they? Rewards credit cards offer reward points based on the amount you spend. You can redeem your points for shopping, travel, gift vouchers and many other rewards.
  • Who are these cards suited to? Frequent credit card users who want to maximise points for everyday spending without being tied to a single airline rewards scheme.

Which rewards credit card is right for you?

  1. What kind of rewards do you want to redeem? Reward programs differ greatly in the variety of rewards they offer, from flights to shopping, gift cards and experiences. Make sure the rewards available are of interest to you.
  2. Compare point earnings and caps. Check how many points your card offers per $1 spent. Many rewards credit cards also have points caps that only allow you to earn a specified amount of points during a statement period, so check for this feature too.
  3. Other features of the card. Check the other features of the card, such as complimentary insurances or balance transfer offers, as well as rates and fees.

Compare Rewards Credit Cards

Rates last updated May 1st, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 1 $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info

Discover your rewards credit card options

Low rate credit cards: Save money and pay less interest

  • What are they? Low rate cards offer you the convenience of a credit card while keeping your interest charges to a minimum.
  • Who are these credit cards suited to? People who are frequent credit card users looking to manage their expenses.

How can you find the right low rate credit card?

  1. Compare the interest rates. The lower the better. Compare balance transfer rates, purchase rates and cash advance rates to make sure the deal is right for you.
  2. Fees. Check what other fees apply, including annual fees, balance transfer fees and joining/membership fees for rewards programs. These can significantly increase the cost of the card.

Compare Low Rate Credit Cards

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
A low rate card which offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info

How to make the most of low-rate cards

Low and no annual fee credit cards: More benefits, lower fees

  • What are they? Low and no annual fee credit cards have a low annual fee, often $0. That gives you the convenience of a credit card without high costs.
  • Who are these credit cards suited to? If you regularly pay off your balance each month, a low-fee card will be your cheapest option.

How can you find the right low and no annual fee credit cards?

  1. Compare fees and interest rates. The lower the fee, the better. Check whether the low fee applies throughout the life of the card or just for the first year. Also make sure to check the interest rate and make sure that interest costs won't outweigh the low-fee benefit.
  2. Combine with a balance transfer for more savings. If you have an existing credit card debt a balance transfer credit card can help you repay your debt with 0% interest. Remember you'll still need to pay off the debt before the 0% interest period expires.

Compare Low and No Annual Fee Cards

Rates last updated May 1st, 2017
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Pay no annual fee ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy platinum benefits and no annual fee for the life of the card, plus earn 1 flybuys point for every $2 spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info

Choosing low and no annual fee cards

Gold, Platinum and Black credit cards: Spend big and enjoy perks

  • What are they? Gold, Platinum and Black credit cards provide access to premium features such as concierges and complimentary insurance.
  • Who are these cards suited to? These cards are designed for high earners and big spenders who want something extra for paying with plastic.

How can you find the right gold, platinum or black credit card?

  1. How much does the card cost? Because of their premium features, these cards typically have higher annual fees than other credit cards. To maximise the value you get from one of these cards, make sure you will regularly use the features it offers.
  2. What are the rates and limits? The purchase rate may not be as competitive on these premium cards. But if you want a very high spending limit, this type of card could be suited to your needs.

Compare Gold, Platinum and Black Credit Card Offers

Rates last updated May 1st, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
80,000 bonus points 1 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 4 months $149 p.a. $40,000 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
VISA/MC: 0.66 AMEX: 0 N/A $64 p.a. annual fee for the first year ($129 p.a. thereafter) $35,000 Go to site More info
NAB Premium Card
Enjoy an introductory rate of 0% p.a. for 24 months on balance transfers, plus enjoy platinum advantages including travel insurance, higher credit limits and VIP Lost Card Cover.
VISA/MC: 0 AMEX: 0 6 months $90 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges to enjoy including complimentary insurance and 1 Reward Point per $1 spent on eligible domestic and international spend.
VISA/MC: 1 AMEX: 0 6 months $49 p.a. annual fee for the first year ($149 p.a. thereafter) $35,000 Go to site More info

How to qualify for a black, gold or platinum card

Business credit cards: For managing your business' finances

  • What are they? Business credit cards can give your business access to a convenient line of credit to help manage fluctuations in your cashflow. Additional cards and spending caps also mean you can manage your employees' spending.
  • Who are these cards suited to? There are business credit cards for sole traders, small-to-medium businesses and corporate entities that provide access to credit to help manage finances.

Finding the *best credit cards for your business

  1. Consider the card features. You can opt for a card that earns your business rewards points, offers complimentary insurances or one that helps you save on your business purchases. Many business credit cards also offer integration with accounting software and include additional cards for employees.
  2. Assess the costs. If cashflow issues mean you won't always be able to pay off the card immediately, then seek a card with a low purchase rate. If your key requirement is being able to track and centralise business spending, look at other features such as annual fees.

Compare Business Credit Cards

Rates last updated May 1st, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
80,000 bonus points 1 N/A $0 p.a. annual fee for the first year ($175 p.a. thereafter) Go to site More info
Commonwealth Bank Business Gold Awards Credit Card
A business credit card with a range of complimentary insurances and up to 2 Awards points per $1 spent on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points, earn up to 2 Membership Rewards points for every dollar spent, complimentary insurances and access to 800 VIP Lounges in 100 countries.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more.
VISA/MC: 0 AMEX: 1 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
Manage your business expenses with up to 55 interest-free days on purchases and an unsecured credit limit of up to $50,000.
N/A $60 p.a. Go to site More info

Explore your business credit card options

Student credit cards: Manage your expenses and buy what you need

  • What are they? Low-cost credit card options are available for students who need a convenient line of credit.
  • Who are these cards suited to? Students who are looking for affordable credit card options, and who may not qualify for other cards. They're a good way to build credit history and understand the responsibilities of debt.

Which student card is right for you?

  1. Are you eligible? Even though they're called "student credit cards", these products still have minimum income, employment and residency criteria you must fulfill in order to be eligible. For example, most cards have a minimum income requirement of $15,000 p.a or will need a guarantor (such as a parent) to share the financial responsibilities of the card.
  2. Compare key features. Check what interest rate will apply to your purchases and whether or not you will be charged an annual fee. Also consider low foreign transaction fees if you plan to use the card overseas.

Compare Student Credit Cards

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ First Student Card
Student credit card with no annual fee for the first year and up to 44 days interest-free on purchases.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 44 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy an introductory rate of 0% p.a. on balance transfers for 21 months (2% balance transfer fee applies). Limited time only.
12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum
A platinum credit card with a low interest rate on purchases, a competitive annual fee plus Visa Platinum privileges.
14.99% p.a. $99 p.a. Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info

How to choose the best student card

No foreign transaction fee credit cards: Pay overseas without the extra cost

  • What are they? These credit cards are designed to make it more affordable to spend money overseas or online with international retailers. Unlike most debit and credit cards, they don't charge a foreign transaction fee every time you use your card to spend in an international currency.
  • Who are these credit cards suited to? If you’re a frequent traveller, have a holiday coming up or regularly use your credit card for shopping with international stores online, a no foreign transaction fee card could be a smart way to avoid extra costs.

How can you find the right low or no foreign transaction fee card?

  1. Annual fee. You may be saving on foreign currency conversion fees, but you’ll want to make sure the annual fee doesn’t counteract these savings. Currently, the annual fees for these cards sit between $0 p.a. and $270 p.a.
  2. Travel perks. If you’re looking to use this card overseas, see if you can make further savings with credit card complimentary travel insurance. The insurance covers and eligibility requirements differ across cards, so comparing options will help you make sure the cover is right for you. Other travel perks that could come with a no foreign transaction fee card include rewards programs and airport lounge access.
  3. Interest rates and fees. If you plan to use the card regularly, a card with a lower interest rate will reduce the cost of any balance you carry. Also check the rates and fees that may apply when you use your credit card at an ATM overseas.

Compare No Foreign Transaction Fee Credit Cards

Rates last updated May 1st, 2017
Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Overseas ATM Withdrawal Fee Annual fee
Bankwest Qantas Platinum MasterCard
Enjoy a high credit limit with complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
0% of transaction value $160 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
0% of transaction value $0 $0 p.a. Go to site More info
Bankwest Qantas World MasterCard
Earn uncapped Qantas Points per $1 spent on eligible purchases. Also enjoy no foreign transaction fees on online and overseas spend.
0% of transaction value $270 p.a. Go to site More info

Choosing frequent flyer credit cards with no foreign transaction fees

Cards with contactless payments: Make payments easily without using your card

  • What are they? Most credit cards now offer tap-and-go payments at the checkout. A growing number of options also link with Apple Pay and Android Pay so you can make payments from a compatible mobile phone or device.
  • Who are these cards suited to? iPhone and Android users who want to cut their time at the checkout and increase the convenience of their credit card payments.

Apple Payapple pay logo

How can you find the right credit card with Apple Pay?

  1. Provider. Currently, only ANZ and American Express credit cards offer Apple Pay enabled credit cards, though the big four banks are predicted to follow suit soon. If your preferred bank hasn’t launched Apple Pay yet, it might be wiser to wait for it to adopt the technology rather than applying card now.
  2. Eligible devices. Obviously, Apple Pay is only available on Apple devices. Right now it's supported on the iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus and iPhone SE or the iPhone 5, 5c and 5s if you have an Apple Watch. If you’re on an older iPhone device which an older iOS variant, you’ll have to update if you want to access Apple Pay. If you have an Android device, you’ll need to wait for the launch of Android Pay and Samsung Pay later this year or stick with an internal bank mobile payment option.

Android Payandroid pay logo

  • Which mobile phones are compatible with Android Pay? Almost all Android smartphones with NFC (Near Field Communication) can take advantage of Android Pay. This includes the Samsung Galaxy S7, LG G5, Sony Xperia Z5, Nexus 6P or Samsung Galaxy S6, S7.
    If you're still unsure check whether your current smartphone accepts Android Pay.
  • Which banks support Android Pay? Android Pay hasn't been launched in Australia yet, but according to a report by Ausdroid, these are the banks that are expected to support Android Pay:
Banks with Android Pay
ANZ (Visa, Credit & Debit)Goulburn Murray Co-OpSelect Mutual
American Express (Cards issued by AMEX)Holiday CoastSouth West Co-Op
Bendigo Bank (Visa / MC, Credit / Debit)HorizonSouth West Slopes
Central West Credit UnionIntechSydney CU
Community Alliance Credit UnionMacquarie (Visa / MC, Credit / Debit)Teachers Mutual Bank
Community First Credit UnionMaritime, Mining & PowerThe Mac
Credit Union AustraliaMyState BankWarwick CU
Credit Union SANorthern BeachesWAW CU
Defence BankNorthern InlandWoolworths Employees’ CU
Nexus MutualPeople’s Choice Credit UnionWyong Shire
ENCOMPASS LtdPolice BankLaboratories CU
Family FirstPolice Credit UnionPeople’s Choice CU
First OptionQT Mutual
Goldfields MoneyQueenslanders

Compare Credit Cards with Contactless Payments

Rates last updated May 1st, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0 0 Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
1 0 Up to 55 days on purchases 20.74% p.a. $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Qantas American Express Discovery Card
Enjoy 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
1 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
Rates last updated May 1st, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
1 0 Up to 55 days on purchases 20.74% p.a. $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0 0 Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per $1 spent. Gain access to travel insurance, $300 Platinum travel credit every year and access to 1,000 VIP airport lounges.
1 0 Up to 44 days on purchases $1,200 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and also access in-store benefits exclusive to David Jones cardholders.
1 Up to 44 days on purchases 20.74% p.a. $99 p.a. Go to site More info

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

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279 Responses to Best Credit Cards*

  1. Default Gravatar
    Rossco | November 20, 2016

    Which banks offer a card with multiple family member access?

    • Staff
      Anndy | November 20, 2016

      Hi Rossco,

      Thanks for your question.

      You may want to check out this page to compare credit cards that offer free additional cardholders to your eligible family members.

      Cheers,
      Anndy

  2. Default Gravatar
    george | October 28, 2016

    I am currently with ANZ Platinum card. With a extra card for my wife. The fees are over the top at approx $450. I want a card to pay bills, no overseas travel, a reasonable charge for me and my wife to have a card and possibly a point for every dollars spent for a frequent flyer account which I now have. Is there such a card?
    Thanks George

    • Staff
      May | October 28, 2016

      Hi George,

      Thank you for your inquiry.

      As finder.com.au is a comparison website, we may not be able to recommend a specific card for you. Nonetheless, you may compare your credit card options on this page that allow you to earn frequent flyer points for every dollar spent. Although please note that the annual fee for some of these FF credit cards may not be that low. So it’s best that you check first the features of the card before applying.

      Hope this could help.

      Cheers,
      May

  3. Default Gravatar
    lauren | August 19, 2016

    when they are talking about “eligible spend” what exactly are they referring to?
    And what wouldn’t be classified as an eligible spend?

    • Staff
      Anndy | August 22, 2016

      Hi Lauren,

      Thanks for your question.

      Eligible spend refers to regular purchases for products or services made using your card. However, there are exclusions to it such as balance transfers and cash advances, depending on the card you are holding.

      Please refer to the terms and conditions of your card to know what items are not included as eligible spend or purchases.

      Cheers,
      Anndy

  4. Default Gravatar
    Ken | May 27, 2016

    Which credit cards can be loaded with AU$ and then permit euros to be withdrawn in Europe? Of these, which is the best for the consumer?

    • Staff
      May | May 31, 2016

      Hi Ken, thanks for you question!

      As finder.com.au is a comparative financial service, we can’t actually recommend one specific card to our users as the best option depends entirely on your own financial status, travel plans and spending habits.

      Just to confirm, though, are you looking to find a prepaid credit card to be used in Europe? This is also known as a ‘prepaid travel card’ or ‘travel money card’ where you can preload foreign currency as well as Australian dollars onto a prepaid travel card to save on fees when making transactions abroad. This card works exactly the same way as a credit card. Only you’re spending your own money and not the banks’.

      On this page, you can compare your prepaid credit card options. You can also find more information about travel money cards here.

      I hope this has helped.

      Cheers,
      May

  5. Default Gravatar
    Boyd | May 26, 2016

    Why is American Express not accepted in some countries?

    Is NAB Debit Card able to be used in all countries?

    • Staff
      May | May 26, 2016

      Hi Boyd, thanks for your questions!

      Actually, AMEX is a generally or widely accepted card, however, there are just some merchants still refuse to accept AMEX cards because of their higher processing/merchant fees. Compared to Visa and MasterCard, AMEX charges higher credit card processing fees.

      As for NAB debit card, yes, this card is also accepted overseas. You can use this card to withdraw cash from ATMs and make purchases over the counter wherever MasterCard is accepted. Fees and charges may apply, though.

      I hope this has answered your question.

      Cheers,
      May

  6. Default Gravatar
    | May 11, 2016

    Hi finder.com.au,

    Does closing my credit card have any negative impact on my credit score? Assuming that there aren’t any late or missed payments and everything is paid back in full.

    Thanks

    • Staff
      Anndy | May 11, 2016

      Hi Aran,

      Thanks for your comment.

      Closing your credit card properly will not negatively affect your credit rating. If you like to learn more what causes a bad credit rating, you can refer to this page.

      Cheers,
      Anndy

  7. Default Gravatar
    Grant | April 1, 2016

    I clicked an advertisement banner saying something about a card (no name provided) with no annual fee, and something like 12 or 20 months interest free on purchases / balance transfers. I don’t see such a card anywhere. Can you please clarify that such a card exists? Otherwise I was directed here under false pretences using misleading information.

    I’m after a card with no / low annual fee and no interest on purchases.

    Thanks.

    • Staff
      Ally | April 1, 2016

      Hi Grant,

      Thanks for reaching out.

      As an online comparison website, we do feature various credit cards with different features and offers such as those having a low/no annual fee, 0% balance transfers and purchases, etc. However, we also always put labels/names on these products and even create review pages for each one to ensure that our users find the necessary information for comparing the available options and help them land with the most suitable card to their needs.

      If a credit card with a low/no annual fee with 0% interest rate on purchases is what you’re after,
      then you might find this 0% Purchase Credit Cards page useful.

      I hope this has helped.

      Cheers,
      Ally

  8. Default Gravatar
    ING | March 19, 2016

    1) Like to know about the ING Credit card everyday savings account, can you give me some information on this card.

    2) Your don’t have above the 28 Degrees credit card, Can I have further information on this credit card.
    Thank you, jona

    • Staff
      Ysa | March 20, 2016

      Hi,

      Thanks for your questions.
      1. Just to confirm, are you referring to the ING DIRECT Orange Everyday Account, and not credit card? If so, you may wish to read through our savings account review page for a full list of fees and other product details of this account.

      2. For further information about the 28 Degrees MasterCard, please refer to this page.

      Cheers,
      Ysa

  9. Default Gravatar
    Troy | February 28, 2016

    Generally what are the criteria needed to get a credit card of up to 20k?

    • Staff
      Arra | February 29, 2016

      Hi Troy,

      Thanks for your inquiry.

      Please refer to this page to go about the factors that would generally determine the credit limit that you will be approved for.

      I hope this has helped.

      Cheers,
      Arra

  10. Default Gravatar
    | February 3, 2016

    Need a reward card $1 to 1 point + travel insurance + annual fee Can you provide a range of credit cards to the above mentioned. So far only st. George amplify card. Anymore?

    • Staff
      Sally | February 3, 2016

      Hi Steve,

      Thanks for your question.

      You can compare rewards credit cards here.

      You can further refine your search by looking at rewards cards with complimentary travel insurance here. You can compare rewards credit cards with no annual fee here.

      I hope this has helped.

      Cheers,

      Sally

Credit Cards Comparison

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* 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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