Best Credit Cards*

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 a cross-section of the offers available on creditcardfinder.com.au to help you with your comparison.

Need to consolidate your debt? Compare balance transfer cards. Want a cheaper card? Look at low-rate and no annual fee cards. Hope to get more rewards? Consider 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.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Long Term Balance Transfer Credit Card

A credit card that has a promotional balance transfer offer and a reduced annual fee for the first year. Cardholders will also enjoy premium perks such as the Platinum Concierge Service and an exclusive annual flight benefit.

  • $64 annual fee for the first year ($129 thereafter)
  • 20.74% p.a. on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash advance rate of 20.99% p.a.
  • Up to 44 days interest-free
  • Minimum income requirement of $35,000 p.a.

    Compare Best Credit Card Offers*

    Rates last updated December 8th, 2016
    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 bonus Velocity Points in your first 3 months and receive a balance transfer offer of 0% for 18 months. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 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
    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 and $0 annual fee for the first year. Also enjoy Black cardholder benefits including overseas travel insurance and complimentary Qantas Club Lounge invitations.
    19.99% p.a. $0 p.a. annual fee for the first year ($425 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% for 15 months.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Platinum Card with 0% interest rates
    Pay no annual fee for the first year and you will also receive 0% p.a. for 12 months on balance transfers and 0% p.a. for 3 months on 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
    NAB Low Rate Credit Card
    Low Interest Credit Card Offer *
    Enjoy a long term offer 0% p.a. for 15 months on purchases and balance transfers combined with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
    ME Bank frank Credit Card
    No Annual Fee Low Rate Credit Card*
    A low interest rate credit card that charges no annual fees.
    11.99% p.a. $0 p.a. Go to site More info
    American Express Explorer Credit Card
    100,000 Membership Rewards Bonus Points and $400 travel voucher*
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Qantas Points Bonus Offer*
    Apply online for this bonus points offer and receive 75,000 Qantas Points when you meet the minimum spend requirement.
    19.99% p.a. 4.99% p.a. for 6 months $250 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
    St.George Vertigo Visa
    Low Rate Credit Card & Long Term Balance Transfer Offer*
    Enjoy a balance transfer offer of 0% p.a. for 18 months with a low annual fee from St.George
    1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
    Virgin No Annual Fee Credit Card
    No Annual Fee with Balance Transfer Plus Cashback Offer
    A no annual fee card with an introductory balance transfer offer and $100 cashback.
    18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
    NAB Low Fee Card
    Low Annual Fee Purchase & Balance Transfer Offer
    0% p.a. for 15 months on balance transfers and purchases combined with a low annual fee.
    0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Go to site More info
    Bank of Melbourne Vertigo Visa Credit Card
    Low Purchase Rate*
    Enjoy 1% for 12% months on everyday purchases and 0% for 18% months on balance transfers.
    1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
    Bank of Melbourne Vertigo Platinum
    Long Term Low Rate Platinum Credit Card
    Platinum credit card with on purchases for 12 months and 0% p.a. for 18 on balance transfers, complimentary insurances and 24/7 concierge.
    1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
    ANZ Low Rate
    $100 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $58 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 you?

    To select the right credit card, you'll need to consider how you plan to use the card, your current financial situation and your future goals. Credit cards offer a wide range of benefits and additional features, so knowing your needs will allow you to choose the most suitable credit card. A student looking at their first credit card isn't going to be applying for the same credit card as a high-income earner. But how do you know which card is best for you? Discover the types of cards available, who they're suited to, and how to find the ideal one for you below.

    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 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: what the annual fee is, what the interest rate reverts to when the promotional period ends, and if there's a balance transfer fee 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 December 8th, 2016
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    Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance. Earn bonus Velocity Points in the first 3 months, offer ends 16 January 2017.
    0% p.a. for 18 months 20.74% p.a. $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.
    0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 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 12 months 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
    St.George Vertigo Visa
    Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
    0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 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 involved? Most cards are tied directly to a specific scheme, most commonly Qantas Frequent Flyer or Virgin Velocity.
    2. Compare the earn rate The earn rate is the number of points you earn per dollar 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, or an annual fee waiver?

    Compare Frequent Flyer Credit Cards

    Rates last updated December 8th, 2016
    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
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    American Express Essential Credit Card
    American Express Essential Credit Card
    1 $0 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
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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 cards offer rewards programs based on the amount you spend. Redeem rewards for shopping, travel, gift vouchers and more.
    • 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 scheme.

    Which rewards credit card is right for you?

    1. What kind of rewards do you want to redeem? Rewards programs differ greatly in the kinds of reward they offer, from flights to shopping, vouchers. Make sure the rewards available to redeem are of interest to you.
    2. Compare points caps. Check how many points your card offers per dollar spent. Many rewards credit cards have points caps which only allow you to earn a specified amount of points during a statement period, so check for those too.
    3. Features of the card. Check the other features of the card, such as complimentary insurances or balance transfer offers.

    Compare Rewards Credit Cards

    Rates last updated December 8th, 2016
    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
    NAB Qantas Rewards Premium Card - Exclusive Offer
    NAB Qantas Rewards Premium Card - Exclusive Offer
    75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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
    10,000 bonus points 0 1 $195 p.a. 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 bill as small as possible.
    • 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 rate. 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 and joining/membership fees for rewards programs. These can add significantly to the cost of the card.

    Compare Low Rate Credit Cards

    Rates last updated December 8th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
    ANZ Low Rate Platinum Credit Card
    $250 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
    NAB Low Fee Card
    Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
    0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
    ME Bank frank Credit Card
    A low interest rate on purchases and cash advances with no annual fee charge.
    11.99% p.a. $0 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
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 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 credit card convenience 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 December 8th, 2016
    Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
    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
    ANZ Frequent Flyer Black
    Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
    $0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. 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.
    $149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
    American Express Qantas Discovery Card
    Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
    $0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
    NAB Low Fee Card
    Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
    $30 p.a. 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee 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 free insurance.
    • Who are these cards suited to? These cards are designed for high earners and big spenders.

    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 your value from one of these cards, make sure you'll make full use of the features it offers.
    2. What are the rates and limits? The purchase rate may not be as competitive on premium cards. If you want a very high spending limit, however, then these are your main target area.

    Compare Gold, Platinum and Black Credit Card Offers

    Rates last updated December 8th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    ANZ Low Rate Platinum Credit Card
    $250 Back plus 0% p.a. for the first 6 months on purchases from approval.
    6 months $99 p.a. $35,000 Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    75,000 bonus points VISA/MC: 0.5 AMEX: 1.5 6 months $250 p.a. 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 bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 18 months on balance transfers. Plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
    VISA/MC: 0.66 AMEX: 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) $35,000 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.
    VISA/MC: 0 AMEX: 0 6 months $0 p.a. annual fee for the first year ($87 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? Any sized business that wants 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.
    2. Assess the rate carefully. 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 December 8th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    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 Business Card
    One of the original charge cards from American Express that offers complimentary insurances including purchase protection and accident cover.
    VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
    American Express Gold Business Card
    Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
    10,000 bonus points VISA/MC: 0 AMEX: 1 0 months $169 p.a. $24,000 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 0 months $249 p.a. $24,000 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 card options are available for students on lower incomes who need a convenient line of credit.
    • Who are these cards suited to? Students who are looking for a low-cost option, and who may not qualify for other cards They're a good way to build a credit history and understand the responsibilities of debt.

    Which student card is right for you?

    1. Are you eligible? Even with cards labelled as "student credit cards", there are still minimum income, employment and residency criteria you must fulfil in order to be eligible. Most cards have a minimum income requirement of $15,000 p.a, or will need a guarantor (such as a parent).
    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 December 8th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
    ME Bank frank Credit Card
    A great credit card option for students. No annual fee and a low interest rate on purchases.
    11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
    Coles Low Rate MasterCard
    A low rate MasterCard with a competitive rate on purchases and a low annual fee.
    12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
    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
    ANZ Low Rate
    $100 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
    Citi Clear Platinum Card
    A low rate platinum credit card with a low interest rate on purchases and balance transfers.
    0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 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 be used overseas, meaning you won’t have to pay a foreign transaction fee every time you use your card to spend in a foreign 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 to shop at 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 $130 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 will help you make sure the cover is right for you. Some other travel perks that could come with a low or no foreign transaction fee card include a rewards program and airport lounge access.
    3. Purchase rate. Unfortunately, there aren’t any cards that currently offer both no foreign transaction fee and 0% interest rate. If you plan to use the card regularly, a card with a lower interest rate will come in handy. If you are only using the card for holiday emergencies, a higher interest rate won’t make as much of a difference.

    Compare No Foreign Transaction Fee Credit Cards

    Rates last updated December 8th, 2016
    Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Overseas ATM Withdrawal Fee Annual fee
    Bankwest Zero Platinum MasterCard
    An introductory offer on balance transfers with $0 annual fee. Complimentary travel insurance & 24/7 Concierge service and $0 foreign transaction fees.
    0% of transaction value $0 $0 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

    Choosing frequent flyer credit cards with no foreign transaction fees

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

    • What are they? Similar to card contactless payments, Apple Pay and Android Pay allow you to make contactless payments when you tap your NFC-enabled mobile phone on the terminal.
    • 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
    EECU LtdPeople’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 December 8th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
    ANZ First Visa Credit Card
    Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
    0 0 Up to 44 days on purchases 19.74% p.a. $30 p.a. 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.
    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 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 Up to 55 days on purchases 20.74% p.a. $195 p.a. Go to site More info
    ANZ Frequent Flyer Black
    Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
    1.5 0.75 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
    Rates last updated December 8th, 2016
    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 First Visa Credit Card
    Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
    0 0 Up to 44 days on purchases 19.74% p.a. $30 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 Up to 55 days on purchases 20.74% p.a. $195 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 Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    1 0 Up to 44 days on purchases $1,200 p.a. Go to site More info

    Contactless payment options on cards and smartphones

    Back to top

    Read more on this topic

    American Express Essential Credit Card
    American Express Essential Credit Card

    Interest rate

    14.99

    Annual fee

    0
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    11.99

    Annual fee

    0
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    149

    Ask a Question

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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 December 8th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 p.a. 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
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    19.99% p.a. $199 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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