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 actually 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, or see if you qualify for gold, platinum and black cards for even more perks. 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 finder.com.au balance transfer offer

NAB Premium 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 finder.com.au balance transfer offer

The NAB Premium 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 Premium card. The balance transfer reverts to the cash advance rate (currently 21.74% p.a.) after 25 months.
  • No balance transfer fee when you request a balance transfer upon application.
  • Receive seven complimentary insurance covers when you make an eligible purchase plus access to the 24/7 NAB Concierge Service.
  • You can request an additional cardholder at no extra cost.
  • You must apply through finder.com.au to take advantage of this offer. This offer may be withdrawn at any time.
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Rates last updated February 21st, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
NAB Premium 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 an Exclusive Balance Transfer Offer
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Westpac Low Rate - Online Offer
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 30 months with 2% balance transfer fee
Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Bankwest Breeze Classic Mastercard
12.99% p.a.
Up to 55 days on purchases
$79 p.a.
0% p.a. for 24 months with 2% balance transfer fee
0% p.a. for 24 months Balance Transfer Offer*
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
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 28 February 2018.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 14 months
Supermarket Platinum Credit Card Offer
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
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.
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.
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*
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
Qantas American Express Ultimate Card
20.74% p.a.
Up to 44 days on purchases
$450 p.a.
0% p.a. for 12 months with 1% balance transfer fee
100,000 bonus Qantas Points with Balance Transfer Offer*
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
No First Year Annual Fee with Balance Transfer Offer*
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
American Express Velocity Escape Card
20.74% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
No Annual Fee Velocity Rewards Credit Card*
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
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.
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.
American Express Platinum Edge Credit Card
20.74% p.a.
Up to 55 days on purchases
$195 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Platinum Credit Card Offer with Frequent Flyer Benefits**
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.


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.
4.99% p.a. for 6 months
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.
Bankwest Breeze Platinum Mastercard
12.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Low Rate Platinum Card with No Foreign Transaction Fees *
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 1% balance transfer fee
Low Rate Platinum with a Long-term Balance Transfer Offer
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
Bankwest Zero Platinum Mastercard
17.99% p.a.
Up to 55 days on purchases
$0 p.a.
2.99% p.a. for 9 months
No Annual Fee Credit Card with Zero Foreign Transaction Fees*
$0 annual fee, plus 0% foreign transaction fees for online and overseas 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 with Balance Transfer 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 28 February 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
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
American Express Explorer Credit Card
20.74% p.a.
Up to 55 days on purchases
$395 p.a.
0% p.a. for 12 months with 1% balance transfer fee
100,000 Membership Rewards Bonus Points and $400 travel voucher*
Receive a yearly $400 Travel Credit, 100,000 bonus points and 2 entries per year to the American Express Lounge at Sydney International Airport.
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.

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 trending now

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. These details allow you to 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.

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

  • What are they? Balance transfer credit cards let you enjoy low or 0% interest for a set period while you pay off an existing debt from a credit, store or charge card. 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 I find the best balance transfer credit card?

As with any credit card, the best option varies between people, but here's what you need to know to choose a balance transfer card that will work for you.

  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, such as how long the promotional period lasts, what the interest rate reverts to when that period ends, what the annual fee is and if a balance transfer fee is charged.
  2. What fees apply? As well as annual fees, check if there's a one-time balance transfer fee (usually a percentage of the total debt) for the card.

Compare balance transfer credit cards

How balance transfer cards work and how best to use them

Best credit cards for frequent flyer rewards and travel

If you're a frequent traveller, getting a credit card that earns frequent flyer points could help you earn flights and upgrades faster. On the other hand, if you want to save money on your travel costs, you might prefer a card with no foreign transaction fees.

Best credit cards for frequent flyer rewards: Redeem flights with your favourite airline or get retail products, gifts, cashback and shopping vouchers.

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

How can I find the best frequent flyer credit card for me?

Here are the key points to keep in mind so you can find a frequent flyer credit card that works for you:

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

Compare frequent flyer credit cards

How to maximise your frequent flyer points with your credit card

No foreign transaction fee credit cards: Pay overseas without extra charges

  • What are they? These credit cards make it more affordable to spend money overseas or online with international retailers by offering 0% foreign transaction fees. In comparison, many other debit and credit cards charge a fee for these transactions.
  • Who are these credit cards suited to? If you’re a frequent traveller, have a holiday coming up or regularly use your credit card for shopping with international stores online, a no foreign transaction fee card could be a smart way to avoid extra costs.

How can I find the best credit card with no foreign transaction fees?

Weigh up these key features to help you find the right 0% foreign transaction fees credit card for you:

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

Compare no foreign transaction fee credit cards

Choosing frequent flyer credit cards with no foreign transaction fees

Credit cards with rewards and complimentary extras

If you want to get more value out of using a credit card and aren't tied to a particular frequent flyer program, you may want to look at credit card reward programs that let you earn points for your spending and give you the flexibility to choose how you use your points. There is a wide range of premium credit cards that offer complimentary benefits and perks such as travel insurance, airport lounge passes, flight vouchers and concierge services.

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

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

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

Think about the following factors to help you choose a reward credit card that suits your budget and goals:

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

Compare rewards credit cards

Discover your rewards credit card options

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 complimentary insurance and concierge services.
  • Who are these cards suited to? These cards are for high earners and big spenders who want something extra for paying with plastic.

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

Here are the key questions to ask when you're choosing a gold, platinum or black credit card:

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

Compare gold, platinum and black credit card offers

How to qualify for a black, gold or platinum card

Low rate and low fee credit cards: Save money on interest and fees

Low rate and low fee credit cards help you keep your costs down with low and 0% interest options or through low and no annual fee offers. You may also be able to get a low-cost account if you're a student looking for a credit card.

Low rate credit cards: Save money on your balance

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

How can I find the best low rate credit card?

Weighing up the following major factors can help you find a low rate credit card that suits your needs:

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

Compare low rate credit cards

How to make the most of low-rate cards

Low and no annual fee credit cards: Enjoy benefits while paying lower fees

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

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

These key factors can help you find a low or no annual fee credit card that works for you:

  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 ensure 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

Choosing low and no annual fee cards

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

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

Which student credit card is right for me?

While there isn't one best student credit card for everyone, thinking about these factors will help you find one that works for your lifestyle and spending habits:

  1. Are you eligible? Even though they're called student credit cards, these products still 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. Check what interest rate will apply to your purchases and whether 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

How to choose the best student card

Business credit cards: Manage your work spending

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

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

These simple steps will help you compare a range of business credit cards and choose one that works for your company's needs:

  1. Consider the card features. You can opt for a card that earns your business rewards points, offers complimentary insurances or one that helps you save on your business purchases. Many business credit cards also offer integration with accounting software and include additional cards for employees.
  2. Assess the costs. If cash flow 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

Explore your business credit card options

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

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

Apple Payapple pay logo

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

Weigh up the following factors when choosing one of these cards:

  1. Providers. American Express, ANZ and HSBC are among the providers that currently offer credit cards with Apple Pay functionality. 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 for the card now.
  2. Eligible devices. Apple Pay is only available on Apple devices. It is supported on newer model iPhones, iPads, the Apple Watch and Mac. If you’re on an older iPhone device with an older iOS variant, you’ll have to update if you want to access Apple Pay.

Google Pay

  • Which mobile phones are compatible with Google Pay? Almost all Android smartphones with NFC (Near Field Communication) can take advantage of Google Pay. This includes the Samsung Galaxy S7, LG G5, Sony Xperia Z5, Nexus 6P or Samsung Galaxy S6.
    If you're still unsure, check whether your current smartphone accepts Google Pay.
  • Which banks support Google Pay? Of the Big Four banks, ANZ and Westpac currently offer Google Pay. It is compatible with these 40 Australian financial institutions:
Banks with Google Pay
ANZ (Visa, Credit & Debit)Goulburn Murray Co-OpSelect Mutual
American Express (Cards issued by AMEX) Holiday CoastSouth West Co-Op
Bendigo Bank (Visa / MC, Credit / Debit)HorizonSouth West Slopes
Central West Credit UnionIntechSydney CU
Community Alliance Credit UnionMacquarie (Visa / MC, Credit / Debit)Teachers Mutual Bank
Community First Credit UnionMaritime, Mining & PowerThe Mac
Credit Union AustraliaMyState BankWarwick CU
Credit Union SANorthern BeachesWAW CU
Defence BankNorthern InlandWoolworths Employees’ CU
Nexus MutualPeople’s Choice Credit UnionWyong Shire
ENCOMPASS LtdPolice BankLaboratories CU
Family FirstPolice Credit UnionPeople’s Choice CU
First OptionQT Mutual
Goldfields MoneyQueenslanders

Compare credit cards with contactless payments

Rates last updated February 21st, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Essential Credit Card
Membership Rewards Gateway


1
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Platinum Edge Credit Card
50,000 bonus points
Membership Rewards


1
20.74% p.a.
$195 p.a.
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
Qantas American Express Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
ANZ Rewards Credit Card
25,000 bonus points
ANZ Rewards Program


1
18.79% p.a.
$0 p.a. annual fee for the first year ($80 p.a. thereafter)
Get 25,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval. Plus, a $0 first year annual fee.
ANZ Frequent Flyer
25,000 bonus points
Qantas Frequent Flyer


0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you meet the offer criteria and save with a $0 first year annual fee. Plus, uncapped Qantas Points potential.

Compare up to 4 providers

Rates last updated February 21st, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Essential Credit Card
Membership Rewards Gateway


1
14.99% p.a.
$0 p.a.
Earn 1 Membership Rewards point per $1 spent on eligible purchases and pay no annual fee for the life of the card.
American Express Platinum Edge Credit Card
50,000 bonus points
Membership Rewards


1
20.74% p.a.
$195 p.a.
Receive a bonus 50,000 Membership Rewards points, a yearly $200 Travel Credit and complimentary domestic and international travel insurance.
American Express Platinum Card
80,000 bonus points
Membership Rewards Premium Ascent


1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges.
David Jones American Express
20,000 bonus points
Membership Rewards


1
20.74% p.a.
$99 p.a.
Receive 20,000 bonus points, David Jones benefits including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
Westpac Low Rate - Online Offer
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.

Compare up to 4 providers

Contactless payment options on cards and smartphones

What else do I need to know to compare the best credit cards?

Keep the following factors in mind when you're comparing credit cards, so that you can find the best options for your needs:

  • Limited-time offers. Promotional offers that give you bonus points, 0% interest rates and other introductory perks usually run for a limited time. So if you have seen an offer you like, make sure you check the date that it ends before you apply. You can use the comparison tables on finder.com.au to compare the latest credit card offers and click on either the card name or on "Go to site" to find out more about the introductory offer and ongoing features.
  • Ongoing costs. Even if you're looking at the best credit cards with low or no fees, there will be times when specific charges apply. So remember to look at the standard features and pay particular attention to the annual fee and ongoing purchase rate. This will help you find a card that's affordable beyond any introductory period.
  • Terms and conditions. Credit cards feature a long list of terms and conditions that apply for each individual feature or offer. Keep this in mind when you're comparing credit cards and make sure you at least check the requirements for the features that you really want to use.
  • Application eligibility. Each credit card has a set of eligibility requirements you need to meet before you can apply, such as being at least 18 years of age and an Australian resident or citizen. These requirements vary, so we've included specific details on our credit card review pages. You can also check your eligibility on the application page by clicking "Go to site" or "More info" for the credit cards listed here.
  • Application details. The information you need to provide when you apply varies between credit cards but generally includes your contact details, employment and income information as well as details of your regular expenses, debts and assets. You'll also need to provide supporting documentation, such as recent payslips and a copy of your driver's licence or other identification.

While there isn't a single best credit card on the market, the wide range of cards available means that there are usually a number of cards you can compare and choose from based on your goals. If you're interested in cards with other specific features, or if you have a question about credit cards, get in touch with us using the question box below.

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291 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

Credit Cards Comparison

Rates last updated February 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.

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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