Best Credit Cards*

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

Looking for the best credit card in Australia? With so many different credit cards and spending styles, there isn't one best credit card that works for everyone. But you can find the right credit card for you by thinking about the features you want, your spending habits and your financial history. Then you can use the tables on this page to compare credit cards with a range of different features and find one that suits 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. From choosing your first card as a student to getting one for your business expenses, you can compare a range of cards and learn how to choose the right one for you here.

* The offers compared on this page are chosen from a range of products finder.com.au has access to and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the 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.

Exclusive to finder.com.au - 0% Balance Transfer Offer

NAB Low Fee Platinum Card - Exclusive Offer

0% p.a. for 25 months
on balance transfers
Exclusive to finder.com.au

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - 0% Balance Transfer Offer

The NAB Low Fee Platinum Card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au.

  • 0% p.a. on balance transfers for 25 months on a new NAB Low Fee Platinum Card. BT reverts to cash advance rate thereafter.
  • No balance transfer fee when BT requested upon application.
  • Receive seven complimentary insurance covers when you make an eligible purchase. Plus, access to the 24/7 NAB Concierge Service.
  • Request an additional cardholder at no extra cost.
  • Must apply through finder.com.au to take advantage of this offer. Offer may be withdrawn at any time.
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Rates last updated April 19th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
Up to 44 days on purchases
$90 p.a.
0% p.a. for 25 months
Platinum Card with Balance Transfer Offer
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Virgin Australia Velocity Flyer Card - Exclusive Offer
20.74% p.a.
Up to 44 days on purchases
$50 p.a.
0% p.a. for 18 months
Reduced $50 annual fee for life
finder Exclusive: Save with a $50 annual fee for life and 3 bonus Velocity Points per $1 spent for the first 3 months. Limited to 500 applications.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$129 p.a.
0% p.a. for 22 months with 2% balance transfer fee
Platinum Credit Card with a Balance Transfer Offer*
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Low Purchase Rate with Balance Transfer Offer*
Westpac Low Rate credit card offers a low introductory rate on balance transfers and up to 55 interest-free days on purchases.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Offers a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months on balance transfers. Ends 30 April 2018.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 20 months with 2% balance transfer fee
Long-term Balance Transfer Offer*
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
No Annual Fee Low Rate Credit Card*
Save money with a $0 annual fee for life, the same low 11.99% p.a. interest rate on purchases and balance transfers and up to 55 days interest-free.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months
Platinum Credit Card with Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 30 April 2018.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Low Intro Balance Transfer Interest Rate with No Annual Fee
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Introductory Purchase Rate Offer*
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Offer ends on 30 April 2018.
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)
Low Rate Credit Card Offer*
A no-frills card with a first year annual fee waiver, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
St.George Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
Low Annual Fee with Balance Transfer Offer*
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Up to 60,000 bonus Velocity Points Offer*
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year. Ends 30 April 2018.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 6 months with 2% balance transfer fee
Low Interest Credit Card Offer *
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
HSBC Platinum Qantas Credit Card
19.99% p.a.
Up to 55 days on purchases
$199 p.a.
0% p.a. for 12 months
International Frequent Flyer Credit Card*
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
Citi Rewards Platinum Credit Card
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 26 months with 2.5% balance transfer fee
0% p.a. for 26 months Balance Transfer Offer*
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
ANZ Frequent Flyer Black
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
75,000 bonus Qantas Points*
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
BankSA Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 18 months with 1% balance transfer fee
0% Balance Transfer Offer*
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

Compare up to 4 providers

* The offers compared on this page are chosen from a range of products finder.com.au has access to and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the 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.

Compare the best credit cards ending soon

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 gold, 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 this guide 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? If you have an existing credit, store or charge card debt that's being charged interest, a balance transfer credit card can help you save money and pay off the debt faster.

How can I find the best balance transfer credit card?

  1. Compare balance transfer offers. Most balance transfer cards offer an introductory 0% interest rate, so you’ll need to look at how many months this rate applies and what interest rate is charged at the end of the introductory period.
  2. Check for fees. As well as the annual fee, check to see if a one-off balance transfer fee will apply.

finder.com.au’s pick for balance transfers: NAB Low Fee Platinum - Exclusive Offer

This NAB Low Fee Platinum Card - Exclusive Offer gives you 0% p.a. interest on balance transfers for 25 months when you apply through finder.com.au and request a balance transfer at the time of your application. At the end of the introductory period, any remaining balance from your transfer will attract the cash advance interest rate. Please note that minimum payments are still required.

Interested in other offers? Compare more balance transfer credit cards now.

Frequent flyer credit cards

  • What are they? Frequent flyer credit cards give you a way to earn points on your everyday purchases, either directly or by transferring card reward points to your chosen airline loyalty program.
  • Who are these cards suited to? If you’re a frequent flyer member and pay the balance off your credit card each month, this type of card will help you earn more frequent flyer points.

How can I find the best frequent flyer credit card?

  1. What frequent flyer program/s do you want to earn points for? As well as Qantas Frequent Flyer and Velocity Frequent Flyer credit cards, you can look at other cards that allow you to transfer credit card reward points to partnered frequent flyer programs, such as American Express Membership Rewards or Westpac Altitude Rewards cards.
  2. Compare the earn rate. This refers to 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 you based on your usual spending.
  3. Other valuable features. Are there any bonus points on offer, complimentary insurance, airport lounge passes or an annual fee waiver?

finder.com.au’s pick for Qantas Points: St.George Amplify Signature - Qantas

The St.George Amplify Signature offers a bonus 90,000 bonus Qantas Points when you apply by 26 September 2018 and spend $4,000 on eligible purchases in the first 90 days. You can also take advantage of 0.75 Qantas Points per $1 spent, complimentary insurance and airport lounge passes.

finder.com.au’s pick for Velocity Points: Virgin Australia Velocity Flyer - Bonus points offer

virgin-money-flyer-card210x130

This Velocity Frequent Flyer credit card offers up to 60,000 bonus Velocity Points in the first 3 months when you apply by 30 April 2018 and meet the spend requirement. This offer also gives you a reduced annual fee of $64 in the first year ($129 p.a. thereafter), plus you’ll earn up to 0.66 Velocity Points per $1 spent on all eligible purchases you make with the Virgin Australia Velocity Flyer.

Check out more bonus point offers and compare other frequent flyer cards now.

Rewards credit cards

  • What are they? These credit cards give you points for your everyday spending, which you can then use to redeem rewards such as travel, frequent flyer points, merchandise and gift cards.
  • Who are these cards suited to? If you often pay with a credit card and want to get more value from your account, a rewards credit card offers flexible points without tying you to a single frequent flyer program.

How can I find the best rewards credit card for me?

  1. What rewards do you want? Each rewards program offers a range of ways you can use points with different partners, ranging from travel booking services to frequent flyer programs, department stores and online reward centres. Make sure the one you choose offers rewards you’ll actually use.
  2. Compare earn rates and point caps. Look at how many points you’ll earn per $1 spent and whether there is a monthly or yearly points cap that could limit your rewards.
  3. Look at bonus points, perks and fees. Bonus point offers can give you extra value when you first get a card, while other perks such as complimentary travel insurance or airport lounge passes offer value when you travel. Also check the card’s annual fee to work out if the value of rewards and perks will outweigh it.

Want to earn more points per $1 spent? Compare a range of reward credit cards now.

finder.com.au’s pick for credit card rewards: Citi Platinum card

citi-rewards-plat-250x160The Citi Platinum card offers you a bonus 100,000 points when you apply by 30 June 2018 and spend $3,000 on eligible transactions within the first 90 days from card approval. You’ll also earn 1 point per $1 spent on eligible purchases. Capped at $10,000 on eligible domestic spend. Uncapped on eligible international spend. Points can be used for travel, shopping or transferred to your Velocity Frequent Flyer, Emirates Skywards or Singapore Airlines KrisFlyer account.

Want to earn more points per $1 spent? Compare a range of rewards credit cards now.

0% foreign transaction fee credit cards

  • What are they? These cards don’t charge a transaction fee when you make payments overseas or online with a retailer that’s based overseas. In comparison, most other cards charge a foreign transaction fee of around 2% to 3% each time you make a payment overseas.
  • Who are these cards suited to? If you travel a lot or shop at online stores that are based overseas, a 0% foreign transaction fee credit card can help you save on costs.

How can I find the best 0% foreign transaction fee credit card for me?

    1. Compare the rates and fees. While these cards give you 0% overseas transaction fees, make sure you also look at the annual fee and interest rates that apply so you can decide if the $0 foreign transaction fee is worth it.
    2. Are there other travel benefits? Some of these cards offer extras such as complimentary international travel insurance, airport lounge passes or rewards that can help you save even more on your trip.

finder.com.au’s pick for no foreign transaction fees: Bankwest Breeze Platinum Mastercard

Bankwest-Breeze-Plat-card As well as 0% foreign transaction fees, the Bankwest Breeze Platinum Mastercard offers a low standard variable interest rate of 12.99% p.a. for purchases and complimentary international travel insurance. It also has a relatively competitive annual fee of $99 p.a..

Check out other 0% foreign transaction fee credit cards, including options with $0 annual fee and rewards.

Cards with low or 0% purchase rates

  • What are they? These credit cards offer a lower ongoing, variable interest rate on purchases when compared to other cards.
  • Who are these cards suited to? If you plan on paying off purchases over time and want to keep your interest charges to a minimum, a low rate credit card could be a good option.

How can I find the best low rate 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. Also check the cash advance rate and when that will apply.
  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 low rate: NAB Low Rate Platinum card

The NAB Low Rate Platinum card offers 0% on purchases for the first 9 months before reverting to a standard variable purchase rate of 13.99% p.a. It also comes with complimentary travel insurance, purchase insurance and a personal concierge service.

Compare more low rate credit cards to find one that’s right for you.

No annual fee credit cards

  • What are they? These cards charge no annual fee.
  • Who are these credit cards suited to? If you regularly pay off your balance each month, a $0 annual fee card will keep your costs to a minimum. This type of card is also practical if you rarely pay with plastic as the maintenance fees won’t burn a hole in your pocket while you’re not using it.

How can I find the right low or no annual fee credit card?

  1. Compare the annual fee details. Some $0 annual fees will last for life but others only apply for a promotional period, such as the first year.
  2. Interest rates. You should also check the interest rates and ensure that the interest costs won’t outweigh the low-fee benefit if you’re planning to carry a balance.

finder.com.au’s pick for no annual fee: American Express Essential

The American Express Essential credit card has a $0 annual fee for life and earns up to 1 Membership Rewards point per $1 spent on eligible purchases, which you can redeem for rewards such as travel, merchandise and gift cards. It also offers an introductory balance transfer rate of 0% p.a. for the first 12 months, with a one-time 3% balance transfer fee. This rate will revert to the standard purchase rate of 14.99% p.a. at the end of the introductory period.

Want to save on card costs? Compare other cards with no annual fees.

Student credit cards

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

Which student credit card is right for me?

  1. Are you eligible? Like most credit cards, these products have minimum income, employment and residency criteria you have to meet 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. Although you should aim to pay your balance in full each month, you need to consider the interest rate that will apply to your purchases. You should also compare the annual fee and foreign transaction fees if you plan to use the card overseas.

finder.com.au’s pick for students: ANZ Low Rate card

anz-low-rate180The ANZ Low Rate credit card has a low 12.49% p.a. purchase rate and competitive $58 p.a. annual fee. It also has a low minimum income of $15,000, which could be suitable if you have a part time or casual job while you’re studying.

Want to compare other cards you might be eligible for? See our guide to student credit cards for more.

Business credit cards

  • What are they? A business credit card can offer a convenient line of credit to help manage fluctuations in cash flow. You can also easily manage employee spending by requesting additional cards and linking it with your accounting software. Some cards also allow you to earn reward points on eligible business purchases.
  • Who are these cards suited to? Depending on the card, they are suited to sole traders, small-to-medium businesses and corporate entities. You must have an ABN to apply.

How can I find the best credit card for my business?

  1. Consider the card features. Some business credit cards are linked to rewards or frequent flyer programs, offer complimentary insurance or can be linked with your business’s accounting software.
  2. Assess the costs. If cash flow issues mean you won’t always pay your card in full by the end of the statement period, consider a card with a 0% or low purchase rate. Otherwise, you may want to consider a card with a low annual fee.

finder.com.au’s pick for businesses: American Express Business Explorer credit card

The American Express Business Explorer credit card offers new cardholders 100,000 bonus Membership Rewards when you apply by 2 July 2018, receive approval and spend $3,000 in the first three months. It has an annual fee of $395 which can be tax deductible if you use the card purely for business purchases. The card also comes with complimentary insurances and two entries to the American Express Lounge per calendar year.

Compare other credit cards suited to business card holders.

Credit cards with contactless mobile payments

  • What are they? These cards are linked to mobile wallets such as Apple Pay, Samsung Pay and Google Pay, allowing you to tap and pay with your smartphone at the checkout.
  • Who are these cards suited to? Cardholders who want to cut their time at the checkout and spend without their card.

Some banks have their own mobile wallets and others are partnered with Apple Pay, Samsung Pay or Google Pay. Check out our comparison of cards with contactless payments to weigh up your options.

What’s next?

Get more value from a credit card by comparing the latest offers and applying now. Or leave a question for us below if you want to know more!

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294 Responses

  1. Default Gravatar
    September 8, 2017

    Hi finder,can you please list some credit cards that are for low annual incomes as a disability support pension from center link please..Alex

    • Staff
      JoanneSeptember 8, 2017Staff

      Hi Alex,

      Thanks for reaching out. Here is a link of a side by side comparison between credit cards for low annual incomes.
      In addition, this link will show the list of providers that accept retired and pensioner applicants, as well as the documents you’ll need to improve your chances of approval.

      Best Regards,
      Joanne

  2. Default Gravatar
    GEORGEJuly 20, 2017

    Currently have ANZ Visa Platinum Rewards Card & ANZ Rewards Amex Card. Recieve 1 point & 2 point respectively per $1.00 spend. Pay approx. $189.00 per annum fee. Had these cards for many years & do all my other banking with ANZ. Effective 5/8/17 ANZ have cancelled the Amex card & reduced points to 1 point to max $2k spend & 0.5 points over $2k respectively. Effectively reducing points entitlement by approx. 54%. Also use travel insurance benefit included with card. Am now retired & spend approx $3 – $5k per month on cards. Any idea on best replacement card for me as I intend to cancel my ANZ cards with ANZ?

    • Default Gravatar
      JonathanJuly 23, 2017

      Hello George,

      Thank you for sending your inquiry. :)

      You can visit this compiled list of rewards changes that card issuers has implemented this year, to guide you.

      Also, you may visit this page for cards with travel insurance benefit. Please take note of their terms such as pre-existing conditions by reviewing their covers with the bank and/or their partnered insurer.

      Hope this helps.

      Cheers,
      Jonathan

  3. Default Gravatar
    JohnJuly 3, 2017

    Please suggest a Master card or Visa with benefits and option for 4 or more additional card holders at no extra costs

    • Staff
      DanielleJuly 4, 2017Staff

      Hi John,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for credit cards that offer free additional cardholders. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.

      Cheers,
      Danielle

  4. Default Gravatar
    LizzyMay 9, 2017

    Hi there,

    Please can you provide me with a telephone number so that I may talk to someone re: choosing the right credit card balance transfer

    I need to speak with a person

    Thanks
    Lizzy

    • Staff
      HaroldMay 9, 2017Staff

      Hi Lizzy,

      Thank you for your inquiry.

      Some credit cards have restrictions around which institutions you can balance transfer your debts from. This usually happens when credit card companies have financial ties to one another, or when both credit card companies are actually being financed by the same larger lending institution. You can check your options here.

      I hope this information has helped.

      cheers,
      Harold

  5. Default Gravatar
    ChrisMay 4, 2017

    My husband is looking for a credit card to buy tools for his job but he is not sure which card to apply for.

  6. Default Gravatar
    TheoApril 20, 2017

    What Credit Card does NOT have a dual verification by Mobile phone when accessing online transactions. I have a Citi Bank Credit Card that gets blocked out on a regular basis because I am travelling a lot internationally.
    On a regular basis I get a message that a transaction is considered “suspicious” because I was unable to enter a verification code, sent to my mobile number. I was unable to do so because I am in another country with another pre-paid SIM card.
    I am also unable to update my mobile number because by trying to do so, they will send again a verification code to my number in the previous country. In the previous country I can not update to my next number because I don’t know yet what that number is going to be, sending me in a catch22 situation. And, being unable to enter this code it is considered suspicious and my card is blocked again….. This is driving me absolutely to desperation.
    I also have a Bank account in another country that has the option to log-in with 3 security questions when unable to verify by phone. That’s how it should be!

    • Staff
      MayMay 11, 2017Staff

      Hi Theo,

      Thank you for your inquiry.

      I’m not actually quite sure if there are credit cards that do not use dual verification through a mobile phone. Generally, credit card issuers nowadays are relying on multiple methods to provide security to cardholders, including sending a verification code to your mobile number so your online transaction will go through. If you can’t be reached through your mobile, you should be given another option where they can send the code to your email. Sending the code through your email may be the safest option especially if you’re travelling.

      If you’d like to know if your credit card issuer would be able to send the security verification code to your email for your future online transactions, please contact them directly.

      Cheers,
      May

  7. Default Gravatar
    RosscoNovember 20, 2016

    Which banks offer a card with multiple family member access?

    • Staff
      LouNovember 20, 2016Staff

      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

  8. Default Gravatar
    georgeOctober 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
      MayOctober 28, 2016Staff

      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

  9. Default Gravatar
    laurenAugust 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
      LouAugust 22, 2016Staff

      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

  10. Default Gravatar
    KenMay 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
      MayMay 31, 2016Staff

      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

    • Default Gravatar
      FangoJanuary 23, 2018

      I have the same problem and your reply was not helpful. It means going through all the banks to check whether or not they have these draconian measures to only call a mobile in the country where the bank operates from.
      The question was which ones don’t use this sytem, or provide an email. The answer to that question would be useful to travellers.

    • Staff
      MayFebruary 22, 2018Staff

      Hi Fango,

      Thanks for your comment and honest feedback.

      Sorry of the delayed reply. I understand that it could cause hassle sometimes that we have to go through some kind of verification every time we use our credit card to make online transactions. One of these measures is through sending you a one-time text message code verification to your mobile phone. As for which banks that don’t have this kind of verification/security system, that I may not sure of. Most credit cards nowadays come with a fraud protection guarantee to keep your account safe from unauthorised transactions.

      So, if you are traveling overseas, it would be best that you keep your credit card company informed before leaving that you’ll be using your card outside Australia. This way, they could advise which verification system is best for you when you travel. Also, most banks have this online banking feature which is very convenient to use for your online transactions in case you’re overseas.

      Cheers,
      May

Credit Cards Comparison

Rates last updated April 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points. Ends 30 April 2018.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Offers a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months on balance transfers. Ends 30 April 2018.

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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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