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.

HSBC Credit Card Offer

HSBC Platinum Credit Card - Balance Transfer Offer

0% p.a. for 22 months on balance transfers

Offer ends 31 March 2020

Eligibility criteria, terms and conditions, fees and charges apply

HSBC Credit Card Offer

A platinum card offering 0% interest on balance transfers for 22 months with no balance transfer fee. Plus, an annual fee refund each year when you spend $6,000 on eligible purchases

  • Annual fee: $129 | Purchase interest rate: 19.99% p.a.
  • Complimentary travel insurance and 2 lounge passes per year
  • Earn 1 HSBC Rewards Point per $1 spent in Australia and 2 overseas
  • Foreign transaction fee: 3% of transaction value | Cash advance rate: 21.99% p.a.
  • Minimum income requirement of $40,000
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Compare some of the best credit cards

Updated January 29th, 2020
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Balance transfer rate
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
Annual Fee Refund & Balance Transfer Offer*
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
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.
$275 back & 120,000 bonus Qantas Points*
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
St.George Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Low Annual Fee with Balance Transfer Offer*
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
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
120,000 bonus Qantas Points & Balance Transfer Offer
Get 20,000 bonus Qantas Points per month for the first 6 months when you spend $1,500/month. Total of up to 120,000 bonus Qantas Points.
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)
Low Rate Platinum Credit Card Offer
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
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 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months
0% p.a. for 12 months
0% Purchase and Balance Transfer Offer
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
Up to 55 days on purchases
$0 p.a.
International Travel & Shopping Credit Card
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
$129 p.a.
0% p.a. for 22 months
0% p.a. for 22 months
Long-Term Balance Transfer Offer*
Save with a 0% p.a. interest rate on balance transfers for the first 22 months. Plus, collect up to 30,000 bonus Velocity Points.
Bankwest Breeze Classic Mastercard
12.99% p.a.
Up to 55 days on purchases
$39 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
0% p.a. for 26 months with 2% balance transfer fee
0% p.a. for 26 months Balance Transfer Offer*
0% interest on balance transfers for the first 26 months, with a 2% balance transfer fee. Plus, a discounted first year annual fee.
Coles Low Rate Mastercard
0% for 12 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 12 months
0% p.a. for 12 months
Low Interest Rate Card with Purchase and Balance Transfer Offers*
Offers 0% p.a. interest on balance transfers and purchases for the first 12 months. Plus, earn flybuys points at Coles Supermarkets.
HSBC Platinum Qantas Credit Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 12 months
0% p.a. for 12 months
$0 First Year Annual Fee & Balance Transfer Offer*
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
St.George Amplify Platinum - Qantas - Online Offer
19.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 22 months
0% p.a. for 22 months
Bonus Qantas Points & Balance Transfer Offer*
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
American Express Velocity Platinum Card
20.74% p.a.
Up to 55 days on purchases
$375 p.a.
0% p.a. for 12 months with 1% balance transfer fee
0% p.a. for 12 months with 1% balance transfer fee
100,000 bonus Velocity Points Credit Card*
Get 100,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
NAB Low Rate Platinum Card
0% for 15 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
0% p.a. for 6 months with 2% balance transfer fee
Platinum Credit Card with an introductory Purchase Offer*
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
St.George Vertigo Card - Exclusive Offer
0% for 14 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 6 months
0% p.a. for 6 months
Introductory Purchase Rate and $0 Annual Fee Offer*
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
0% p.a. for 26 months with 2% balance transfer fee
Low Rate Platinum Card with No Foreign Transaction Fees *
Get 0% interest on balance transfers for 26 months (with a 2% fee), complimentary travel insurance and no foreign transaction fees.
Bank of Melbourne Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Low Introductory Balance Transfer Rate*
Enjoy 0% p.a. interest for up to 18 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
0% p.a. for 15 months
Long-Term Balance Transfer Offer*
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
St.George Amplify Platinum - Online Offer
19.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 22 months
0% p.a. for 22 months
Long-Term Balance Transfer & 100,000 Bonus Points Offer*
Get 100,000 bonus Amplify Points when you spend $2,000 in the first 90 days. Plus, a balance transfer offer of 0% interest for 22 months.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$49 p.a.
0% p.a. for 14 months
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months
0% p.a. for 16 months
0% p.a. Balance Transfer Offer*
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
ANZ Platinum Credit Card
20.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 18 months with 2% balance transfer fee
0% p.a. for 18 months with 2% balance transfer fee
Platinum Card with a Long Term Balance Transfer Offer*
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
BankSA Vertigo
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months
0% p.a. for 18 months
Balance Transfer Offer*
Enjoy a 0% p.a. interest rate for up to 18 months on balance transfers. Plus, a low annual fee and purchase interest rate.

Compare up to 4 providers

*The credit card offers compared on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

VIDEO: How to choose the best credit card

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.

compare-credit-cards

What type of credit card are you looking for?

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.

How can I find the best balance transfer credit card?

  1. Compare balance transfer offers. Most offers give you a 0% interest rate 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.

finder.com.au's pick for balance transfers: HSBC Platinum Credit Card - Balance Transfer Offer


The HSBC Platinum Credit Card offers 0% interest on balance transfers for the first 22 months (with no balance transfer fee) when you apply by 31 March 2020. You can also save with a refunded annual fee each year when you spend at least $6,000 on eligible purchases in the following 12 months (potentially saving you $129 per year).


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. Other valuable features. Are there any bonus points on offer, complimentary insurance covers, status credits, airport lounge passes or an annual fee waiver?

finder.com.au's pick for Qantas Points: Qantas Premier Platinum

The Qantas Premier Platinum card boasts one of the biggest bonus Qantas Points offers on the market right now. You'll score 120,000 bonus Qantas Points when you apply for a new Qantas Premier Platinum credit card and spend $1,500 on eligible purchases each month for the first 6 months. This card charges a $199 first-year annual fee, followed by $299 p.a. thereafter.


finder.com.au's pick for Velocity Points: American Express Velocity Platinum card


The American Express Velocity Platinum card offers 100,000 Velocity Points when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months from card approval. This card also boasts two complimentary single entry passes to Virgin Australia lounges and a complimentary domestic return flight with Virgin Australia. These perks come at the cost of a $375 annual fee.


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.

finder.com.au's pick for a low cost credit card: St.George Vertigo Visa Card - Exclusive offer

Picture not describedApply for the St.George Vertigo Visa Card through finder.com.au by 12 February 2020 and you'll save with a 0% interest rate on purchases for the first 14 months. Any remaining balance after the introductory period will be charged at the variable purchase rate, currently at 13.99% p.a. When you apply through Finder by this date, you can also save with a reduced $0 annual fee for the first year ($55 p.a. thereafter).


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

Updated January 29th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $275 back when you spend $4,000 in the first 3 months. Plus, airport lounge passes.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.

Compare up to 4 providers

* 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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