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.

St.George Credit Card Online Offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 25 months on balance transfers

Offer ends 2 October 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

The St.George Vertigo Platinum credit card offers a long-term 0% balance transfer with no balance transfer fee when you apply online, combined with a low interest rate on purchases.

  • $99 p.a. annual fee.
  • 12.74% p.a. on purchases
  • Cash advance rate of 19.49% p.a.
  • Up to 55 days interest free
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Compare some of the best credit cards

Rates last updated August 18th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 25 months
Long-Term Balance Transfer Offer
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 24 months with 1% balance transfer fee
$0 First Year Annual Fee & Balance Transfer Offer*
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Citi Clear Platinum - Exclusive Offer
14.99% 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 24 months with 1.5% balance transfer fee
Reduced First Year Annual Fee & Balance Transfer Offer*
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
20.74% p.a.
Up to 55 days on purchases
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Exclusive Balance Transfer Card Offer*
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
St.George Vertigo Visa
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Low Annual Fee with Balance Transfer Offer*
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
NAB Low Fee Platinum Card
19.74% p.a.
Up to 44 days on purchases
$90 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Platinum Credit Card with Balance Transfer Offer*
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
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
0% for 14 months Purchase Offer with Virgin Australia Gift Voucher*
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
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.
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 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 $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
Up to 45 days on purchases
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Bonus Points and Annual Fee Offer*
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Low Rate with Annual Fee Offer*
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, a $0 first year annual fee.
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.
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
Up to 55 days on purchases
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Reduced First Year Annual Fee & Bonus Points Offer*
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
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.
NAB Low Fee Card
19.74% p.a.
Up to 44 days on purchases
$30 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Low Annual Fee & Balance Transfer Offer
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
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.

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: Westpac Low Rate

Westpac low rate card

When you apply for the Westpac Low Rate by 23 October 2018 and request a balance transfer at the time of application, you can take advantage of 0% p.a. interest on your debt for the first 24 months. A one-time 1% balance transfer fee applies. At the end of the promotional period, the variable cash advance rate applies to any remaining debt from the transfer. Plus, receive a $0 annual fee for the first year.

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 - Online Offer

If you apply for the St.George Amplify Signature - Qantas card by 2 October 2018 and spend $4,000 on eligible purchases using your card within the first 90 days from approval, you’ll score 90,000 bonus Qantas Points! When you apply online by this offer end date, you’ll also save with a discounted annual fee of $179 in the first year (reverts to $279 p.a. thereafter).

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

virgin australia velocity frequent flyer bonus points card

This Velocity Frequent Flyer credit card offers up to 60,000 bonus Velocity Points in the first 3 months when you apply by 2 September 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.

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: 28 Degrees Platinum Mastercard

As well as 0% foreign transaction fees, the 28 Degrees Platinum Mastercard also comes with $0 annual fee, up to 55 interest-free days and $0 ATM withdrawal fees. You can also take advantage of the Mastercard concierge service for anything from restaurant reservations to hotel bookings.

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.

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: Citi Simplicity card

The Citi Simplicity Card boasts no annual fee for life. You can also save with 0% p.a. for 15 months on balance transfers. A a one-time 1.5% balance transfer fee applies. At the end of the promotional period, any remaining balances will attract the cash advance rate.

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 rate card

The 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: NAB Rewards Business Signature card

The NAB Rewards Business Signature card offers new cardholders 100,000 bonus NAB Rewards points when they apply by 7 October 2018, then spend $5,000 in the first 60 days. You’ll also continue to earn NAB Rewards on eligible purchases, which you can redeem for travel with Webjet, gift cards and frequent flyer points with Velocity, Asia Miles or Air New Zealand Airpoints. This card also offers complimentary insurance and a personal concierge service with an annual fee of $175 per card.

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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296 Responses

  1. Default Gravatar
    margaretAugust 8, 2018

    We want the best card for low interest and we don’t need reward points.

    • finder Customer Care
      JhezelynAugust 8, 2018Staff

      Hi Margaret,

      Thank you for your comment.

      You can compare low-interest rate credit cards on this page. These cards can let you pay less interest on purchases and most of these cards have low annual fees. After comparing, when you’re ready to apply, just click the Go to Site button of your preferred card.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. finder Customer Care
    NikkiApril 17, 2018Staff

    Hi Carole,

    Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

    Here is the card with no annual fee and 0% foreign fees.

    As for the credit limit, this would depend on the bank’s approval.

    Hope this helps! Feel free to message us anytime should you have further questions.

    Cheers,
    Nikki

  3. 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

    • finder Customer Care
      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

  4. 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

  5. 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

    • Default Gravatar
      DanielleJuly 4, 2017

      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

  6. 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

    • finder Customer Care
      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

  7. 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.

  8. 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!

    • finder Customer Care
      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

  9. Default Gravatar
    RosscoNovember 20, 2016

    Which banks offer a card with multiple family member access?

    • finder Customer Care
      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

  10. 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

    • finder Customer Care
      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

Credit Cards Comparison

Rates last updated August 18th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
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.

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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