Best Credit Cards*

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.

Exclusive to finder.com.au - NAB Credit Card Offer

NAB Low Fee Platinum Card - Exclusive Offer

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

Offer ends 16 December 2018

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - NAB Credit Card Offer

The NAB Low Fee Platinum Card features a range of platinum benefits and a long-term, no fee balance transfer offer exclusive to finder.com.au.

  • 0% p.a. on balance transfers for 25 months on a new NAB Low Fee Platinum Card. Reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee
  • Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
  • Must apply through finder.com.au to take advantage of this offer. BT must be requested upon application.
Finder Member Offer
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Compare some of the best credit cards

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
Up to 44 days on purchases
$90 p.a.
0% p.a. for 25 months
25 Month Balance Transfer Offer
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Platinum Credit Card with a Low Interest Rate *
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months
100,000 bonus Qantas Points with Balance Transfer Offer
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
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 Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 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 13 months
0% p.a. Purchase & Balance Transfer Offers*
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
Up to 45 days on purchases
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Reduced First Year Annual Fee and Bonus Points Offer*
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Discounted First Year Annual Fee & Balance Transfer Offer*
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
HSBC Platinum Qantas Credit Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 12 months
$0 First Year Annual Fee & Balance Transfer Offer*
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
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
Annual Fee Refund & 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, 2 airport lounge passes every year.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Low Intro Balance Transfer Interest Rate with No Annual Fee
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 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 6 months
Discounted First Year Annual Fee & Purchase Offer*
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
Low Rate Credit Card Offer*
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
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
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
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 points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
Qantas Premier Everyday
0% p.a. for 9 months (reverts to 19.99% p.a.)
Up to 55 days on purchases
$49 p.a.
0% p.a. for 9 months
0% Purchase and Balance Transfer & Bonus Points Offer
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Skye Mastercard
23.99% p.a.
Up to 90 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year.
Virgin Australia Velocity High Flyer Card
20.74% p.a.
Up to 44 days on purchases
$289 p.a.
0% p.a. for 15 months
Up to 90,000 bonus Velocity Points with Balance Transfer Offer
Take off sooner with up to 90,000 bonus Velocity Points, lounge passes and insurance covers. Plus, enjoy a 15 month balance transfer offer.
St.George Amplify Signature - Qantas
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*
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Platinum Credit Card - Online Offer
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 24 months with 1.5% balance transfer fee
0% p.a. for 24 months Balance Transfer Offer*
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
Up to 45 days on purchases
$499 p.a.
Black Card Bundle with Bonus Points
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
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 Bonus Points*
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
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.
ANZ First Visa Credit 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 and up to 44 days interest-free
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Offers a $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.
St.George Amplify Signature - Online Offer
19.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
$0 First Year Annual Fee & Bonus Points Offer*
Enjoy a $0 first year annual fee, 100,000 bonus Amplify Points and 2 complimentary lounge passes per year. Ends 17 December 2018.

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 finder's credit cards picks

VIDEO: How to choose the best credit card

What is the best credit card for me?

To choose the right credit card, you need to look at how you plan to use it, your current financial situation and your future goals. That way you can compare different features and benefits based on your circumstances.

For example, if you want a credit card that offers rewards and perks, look at frequent flyer cards or at gold, platinum and black options. If you want a card to help you manage your expenses, compare 0% purchase, balance transfer or low rate cards. You can use this guide to discover the types of cards available, who they're suited to and how to find the ideal one for you.

compare-credit-cards

What type of credit card are you looking for?

0% balance transfer credit cards

  • What are they? You can use a balance transfer credit card to pay off existing debt faster with a low or 0% interest rate for an introductory period.
  • Who are these cards suited to? If you have an existing credit, store or charge card debt that's being charged interest, a balance transfer credit card can help you save money and pay off the debt faster.

How can I find the best balance transfer credit card?

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

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

Exclusive to finder users, you can get your credit card debt under control with 0% p.a. on balance transfers for 25 months with the NAB Low Fee Platinum card. When you apply through finder, you also won't be charged a balance transfer fee. This card usually offers 0% on balance transfers for 24 months with a 2% balance transfer fee, so you'll enjoy a longer interest-free period and lower costs with the finder exclusive. At the end of the introductory period, any remaining balance transfer debt will collect the cash advance interest rate. This card also charges a $90 p.a. annual fee.

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: ANZ Frequent Flyer Black credit card

The ANZ Frequent Flyer Black credit card boasts one of the biggest bonus Qantas Points offers on the market right now. You'll score 120,000 bonus Qantas Points when you apply for a new ANZ Frequent Flyer Black credit card and spend $7,500 on eligible purchases within the first 3 months. This card also offers $150 back to your new card and 75 bonus Status Credits when you meet the relevant spend requirements. This card charges a $425 p.a. annual fee.

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

The American Express Velocity Platinum card offers 50,000 Velocity Points when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months from card approval. This card also boasts two complimentary single entry passes to Virgin Australia lounges and a complimentary domestic return flight with Virgin Australia. These perks come at the cost of a $375 annual fee.

    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.

    finder.com.au's pick for credit card rewards: American Express Explorer card

    american express explorer card

    The American Express Explorer offers new cardholders 100,000 bonus Membership Rewards when you apply by 7 January 2019, are approved and spend at least $1,500 in the first three months. You'll also earn 2 points per $1 spent on eligible purchases. This card also offers a $400 Travel Credit, complimentary airport lounge passes and charges a $395 p.a. annual fee.

    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.

    finder.com.au's pick for 0% purchase interest rates: Virgin Australia Velocity Flyer card (Exclusive to Finder)

    You can pay off your credit card and save with 0% on purchases for up to 14 months when you apply for the Virgin Australia Velocity Flyer Card. At the end of the introductory period, the purchase interest rate reverts to 20.74% p.a. Exclusive to applicants who apply through Finder by 31 January 2019, you can also cut costs with a discounted $64 annual fee for the first year. The annual fee reverts to $129 p.a. thereafter. You'll also earn Velocity Points when you make eligible purchases, which you can redeem for flight rewards and more.

    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 6 months on balance transfers. A a one-time 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 and spend $4,000 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.

    finder.com.au's pick for mobile wallets: American Express Essential card

    Not only is the Amex Essential card one of the few that's linked with Samsung Pay, Google Pay and Apple Pay, it also comes with $500 worth of smartphone screen insurance each year. This will come in handy if you drop your phone on the go and need to send it in for repairs. This card also charges a annual fee and is linked to the Membership Rewards program.

    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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    304 Responses

    1. Default Gravatar
      BrentNovember 12, 2018

      lets say i chose a c/c based on a no transfer rate of lets say $3000. if i dont pay the $3000 before interest free period expires. do i get charged the purchase rate???

      • finder Customer Care
        NikkiNovember 13, 2018Staff

        Hi Brent,

        Thanks for reaching out! When you have a balance left on the card when the interest-free period expires, you will be charged the actual purchase rate of the card. Hope this helps! Feel free to reach out again if you have further questions, we’re on standby.

        Best,
        Nikki

    2. Default Gravatar
      SteveOctober 15, 2018

      Hi I’m looking for a card that has no annual fee or low rate with free travel insurance, zero international purchase fees and cash advances and frequent flyer points or credits

      • finder Customer Care
        NikkiOctober 15, 2018Staff

        Hi Steve,

        Thanks for your inquiry and for visiting finder.

        It would be nice to have all these features offered into one card.

        We have a comprehensive page that carefully explains how to choose the best credit card for you. Ultimately, you’d need to choose one based on what your lifestyle leads.

        If you are an avid shopper, a rewards card may be good for you. If you travel a lot, you may choose a frequent flyer credit card or you may opt for a No foreign fees credit card that you can use for purchases online and when you travel

        The information above shows the best credit cards in Australia. Feel free to use the table and toggle through the features to see which card will work best for you.

        As a friendly reminder, review the eligibility criteria of the card. Read up on the terms and conditions before applying and contact the bank should you need any clarifications about the card.

        Hope this helps! Feel free to message us again for further assistance.

        Regards,

        Nikki

    3. Default Gravatar
      October 6, 2018

      Which card is the best option for an age pensioner with no other form of income and has the lowest income required?

      • finder Customer Care
        JeniOctober 8, 2018Staff

        Hi Ian,

        Thank you for getting in touch with finder.

        Some seniors would get a credit card as their back-up source of funding or regularly using it to get more rewards. Indeed, there are a wide range of credit cards to choose from. Please see this PAGE as your guide in choosing a credit card that suits your needs as an age pensioner. Since you mentioned the low income requirement, as per this LINK the minimum income requirement usually starts at $15,000 p.a. and ends at $30,000 p.a. for a low income product.

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

    4. Default Gravatar
      MichelleAugust 22, 2018

      Please tell me what is the best cc for no

      • finder Customer Care
        JohnAugust 23, 2018Staff

        Hi Michelle,

        Thank you for leaving a question.

        Though we cannot provide you the best credit card for now. There are several factors that are needed to check what card is best for you. A couple of example are listed below:

        1. It depends on your buying habits as well as that you will use the credit card for when it comes to purchases.
        2. Are you looking for a balance transfer card that may provide you with low interest rates?
        3. Are you looking for a 0% interest free period card?
        4. Are you looking for credit cards that offer frequent flyer points?

        These are just some examples of what would make your choice in choosing a credit card. Hope this helps!

        Cheers,
        Reggie

    5. 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

    6. 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

    7. 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

    8. 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

    9. 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

    10. 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

    Credit Cards Comparison

    Rates last updated December 12th, 2018
    Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
    NAB Low Fee Platinum Card - Exclusive Offer
    19.74% p.a.
    0% p.a. for 25 months
    $90 p.a.
    finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
    More info
    Suncorp Clear Options Platinum Credit Card - Online Offer
    20.74% p.a.
    0% p.a. for 18 months
    $49 p.a. annual fee for the first year ($129 p.a. thereafter)
    Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
    American Express Westpac Altitude Platinum Bundle - Qantas
    20.24% p.a.
    $50 p.a. annual fee for the first year ($249 p.a. thereafter)
    Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
    NAB Qantas Rewards Signature Card
    19.99% p.a.
    0% p.a. for 6 months with 2% balance transfer fee
    $295 p.a. annual fee for the first year ($395 p.a. thereafter)
    Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

    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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