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You deserve the best credit card

We looked at over 250 credit cards and narrowed them down by category to help you find the right one.

There isn't one best credit card on the market. And all credit cards can't be compared equally. So our experts have chosen a top pick for each type of credit card offer that appeals to a wide variety of people in Australia.

Our picks for the best credit cards for April:

The top picks were updated by our team of credit card experts and reviewed by money editor Richard Whitten on 04 April 2024.


Top pick for balance transfer

St.George Vertigo Card

  • 0% Balance Transfer Offer
  • $55 Annual fee
  • 13.99% Purchase rate
Ends on 31 July 2024

Pros & cons

  • Balance transfer rate of 0% p.a. for the first 28 months
  • A low ongoing annual fee
  • Shopping cashbacks through ShopBack
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost
  • Charges a one-time 1% balance transfer fee
  • Balance transfer rate reverts to 21.49% p.a. at the end of the introductory period
  • No rewards program, travel perks and insurance covers

Why we like it

  • The 13.99% p.a. variable interest rate on purchases is much lower than the average standard credit card interest rate in Australia (currently 20.07% p.a.)
  • Long 0% p.a. balance transfer offer for 28 months (with a 1% BT fee), which can help you save on interest and pay off existing debts faster.
  • Unlike many other cards, you still get interest-free days on purchases when you have a balance transfer.
  • Mobile payments through Apple Pay, Google Pay and Samsung Pay.

Top pick for low rate

Citi Clear Card - Exclusive Offer

  • 0% Balance Transfer Offer & First-Year Annual Fee Discount
  • $49 Annual fee
  • 14.99% Purchase rate

Pros & cons

  • 0% p.a. on balance transfers for 24 months
  • Discounted $49 first-year annual fee
  • Extended warranty and purchase insurance options
  • Up to 4 additional cardholders at no extra cost
  • Charges a one-time 1.5% BT fee
  • Balance transfer reverts to a high 22.24% p.a. cash advance rate
  • $99 annual fee after the first year
  • No rewards program or travel insurance

Why we like it

What we like about the Citi Clear Card – Exclusive Offer:

  • Offers 0% p.a. interest on balance transfers for 24 months, which can help you save on interest and pay off existing debts faster.
  • Accepts balance transfers from credit cards, personal loans and lines of credit, giving you more ways to consolidate debts compared to some other cards.
  • The discounted first-year annual fee saves you $50 compared to the $99 annual fee that applies after that.
  • 14.99% p.a. variable interest rate on purchases, which is lower than the average standard credit card interest rate in Australia (currently 19.82%).
  • Top pick for rewards

    Coles No Annual Fee Mastercard - Bonus Points Offer

    • 20,000 Bonus Flybuys Points
    • $0 Annual fee
    • 19.99% Purchase rate
    Ends on 30 June 2024

    Pros & cons

    • 20,000 bonus Flybuys points
    • 0% p.a. on purchases for the first 6 months
    • Ongoing $0 annual fee
    • Earn Flybuys points for your spending
    • Flybuys points earn rate is low at the equivalent of 0.5 points per $1 spent
    • 19.99% p.a. purchase rate after the introductory period
    • 2.5% foreign transaction fee

    Why we like it

    • Offers 20,000 bonus Flybuys points. That's enough for $100 off your shop at Coles or 10,000 Velocity Points.
    • Ongoing $0 annual fee. So even if you don't use the card, it won't cost you anything.
    • Flybuys points on all your eligible spending, even if they're not Flybuys partners.
    • Potentially useful 0% p.a. on purchases for 6 months.

    Top pick for frequent flyer

    American Express Velocity Platinum Card

    • 100,000 Bonus Velocity Points
    • $375 Annual fee
    • 23.99% Purchase rate
    Ends on 15 May 2024

    Pros & cons

    • 100,000 bonus Velocity Points offer
    • Up to 2.25 points per $1 spent, uncapped
    • 100 Velocity Status Credits when you spend at least $50,000 in your first year
    • Complimentary Virgin Australia return economy domestic flight per year
    • Relatively high $375 annual fee
    • 3% foreign transaction fee
    • The 23.99% p.a. interest rate for purchases is high among other credit cards in Australia

    Why we like it

    • Offers 100,000 bonus Velocity Points. That's enough for a one-way business class flight between Sydney and Los Angeles.
    • 100 Velocity Frequent Flyer Status Credits when you spend $50,000 in your card membership year.
    • Complimentary Virgin Australia return economy domestic flight every year between selected cities.
    • Travel perks, including 4 lounge passes per year and travel insurance.

    Top pick for no annual fee

    ING Orange One Low Rate

    • 100% foreign transaction fee rebates
    • $0 Annual fee
    • 11.99% Purchase rate

    Pros & cons

    • $0 annual fee for the life of the card
    • Low variable interest rate of 11.99% p.a. on purchases and cash advances
    • Must hold an Orange Everyday account or request to open one to receive this card
    • Several criteria to receive the ATM fee rebate and foreign transaction fee waivers

    Why we like it

    • The ING Orange One Low Rate has a $0 annual fee.
    • It also includes a rebate on foreign transaction fees for customers with an Orange Everyday account who meet the minimum deposit and spend requirements.

    Top pick for 0% purchases

    Virgin Money No Annual Fee Credit Card

    • 0% Interest Offers
    • $0 Annual fee
    • 18.99% Purchase rate
    Ends on 14 May 2024

    Pros & cons

    • $0 annual fee for the life of the card
    • 0% p.a. interest rate for 12 months on balance transfers and purchases
    • Fraudshield security and Visa Zero Liability to help protect your account
    • The revert interest rates are relatively high
    • Although the card is issued by Virgin Money, you will not earn Velocity Points for your spending

    Why we like it

    • Offers 0% p.a. interest on purchases for the first 12 months. This means you could buy what you need now and have a year to pay it off interest-free.
    • Also offers 0% p.a. on balance transfers for 12 months, which could help you save on interest as you pay off existing debt.
    • The ongoing $0 annual fee could save you around $25 to $1,450 compared to credit cards that charge an annual fee.

    Top pick for 0% foreign fee

    Bankwest Zero Platinum Mastercard

    • No Annual Fee & 0% Balance Transfer Offer
    • $0 Annual fee
    • 14.99% Purchase rate

    Pros & cons

    • 0% p.a. on balance transfers for 28 months
    • Complimentary overseas travel insurance
    • 0% foreign transaction fees online and overseas
    • 3 additional cardholders at no extra cost
    • Even with a $0 annual fee and 14.99% p.a. purchase rate, you must still be approved for a $6,000 minimum credit limit.
    • Charges a one-time 3% balance transfer fee

    Why we like it

    • The Bankwest Zero Platinum Mastercard has a $0 annual fee and 0% foreign transaction fees.
    • It also includes overseas travel insurance for trips of up to 31 days, with no activation requirement and the option to upgrade your cover through Cover-More for a fee.
    • Bankwest is one of the few providers that offers a digital card you can use straight away once you're approved and activate your account.

    🧪 Methodology: How we chose our top picks

    To determine the top picks for different credit card categories, Finder’s experts examine over 250 cards in our database every month. We narrow it down to cards available through Finder and analyse them based on the rates, fees, offer details and other factors specific to the category.

    In addition to the factors listed, we may consider any additional features or introductory offers that are relevant and have the potential to offer additional value. All our top picks are from credit card brands Finder has a commercial partnership with and may not always be best for you. Based on your situation, you may find certain features to be more or less important, so compare your options before you apply.

    Why you can trust Finder's research

    Rates
    250+ credit cards compared
    Expert
    Analysis from the experts
    Calendar
    Picks updated regularly

    Read our in-depth methodology

    If you use a credit card properly, it's a great way to manage your spending, earn reward points or get your existing card debts under control with a balance transfer. But if you find you're struggling to pay it off and getting charged interest, it's time to reavaluate how you're using the card — and whether you need it.

    Richard Whitten

    Richard Whitten
    Finder's money editor

    How do I find the best credit card for me?

    The ideal credit card is different for everyone (which is why there's not a single "best" credit card). But there are a few things that have universal appeal, including:

    • Low fees and interest rates to help you save on credit card costs
    • Rewards, travel perks or other extras that you can use to get more value
    • A long 0% balance transfer period if you want to pay off existing debt without interest
    • A bank you want to deal with (think good service, a cool app or mobile payments)

    Types of credit card offers and how to find the right one for you

    There are hundreds of credit cards in Australia for both personal and business spending. These cards can be narrowed down into 5 main categories or "types". Different cards will work for different people. Here's how to find one based on your credit card habits:

    medal - pay off your balance
    If you want to earn points for your spending

    If you use your card for everyday spending and want to be rewarded, you could check out frequent flyer, cashback or rewards credit cards that offer extra value per $1 spent. New cards usually offer thousands of bonus points as an incentive for new customers and sometimes discount the annual fee (which can be higher than on some no-frills cards). With these types of cards, always aim to pay off your balance in full every month.

    If you only use your credit card for emergencies
    If you only use your credit card for emergencies

    This is one of the most common reasons Australians get a credit card, with Finder research showing 41% of Australians got their last credit card for emergencies. When that's the case, a no annual fee card costs you nothing to keep. And if you pay it off in full each month, it could cost you nothing at all.

    pay off your balance in full
    If you carry a balance from month to month

    Carrying a balance from month to month can be handy but also expensive, with the average credit card interest rate now around 20% p.a. A card with a low interest rate (typically around 8–15% p.a.) would save you money in the long run.

    If you already have credit card debt
    If you already have credit card debt

    A balance transfer credit card can help you save money and simplify your payments by offering a low or 0% interest rate on debt you move to the new card. Balance transfer offers usually last 6–28 months, giving you some time to pay off your debt without having to pay interest. If you have a few debts, combining them can also help you save on rates and fees.

    If you want a credit card for your business
    If you want a credit card for your business

    Some sole traders and small business owners will choose a personal credit card for their work spending. But business credit cards offer you more expense management tools and features such as detailed statement breakdowns, automatic feeds for accounting software and cards for employees. They're also more likely to offer rewards for spending with the ATO and other government bodies.

    New to credit cards?

    If you're not sure what some of the terms on this page mean, you can check out Finder's guide to credit cards for beginners to learn how they work. It also has a comparison of cards typically suited to new cardholders, including low rate, no annual fee and student credit cards.

    Compare to find the best credit card for you

    1 - 12 of 12
    Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
    St.George Vertigo Card
    Purchase rate p.a.
    13.99%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    0% for 28 months with 1% balance transfer fee, then 21.49%
    Annual fee
    $55
    Go to siteMore Info
    0% Balance Transfer Offer
    Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
    Kogan Money Card – Exclusive Offer
    ExclusiveKogan Rewards Program
    Purchase rate p.a.
    20.99%
    Bonus points
    N/A
    Points per $ spent
    1
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    0% for 18 months with 1% balance transfer fee, then 21.74%
    Annual fee
    $0
    Go to siteMore Info
    0% Balance Transfer Offer
    Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee.
    Citi Clear Card - Exclusive Offer
    Exclusive
    Purchase rate p.a.
    14.99%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    0% for 24 months with 1.5% balance transfer fee, then 22.24%
    Annual fee
    $49 first year ($99 after)
    Go to siteMore Info
    0% Balance Transfer Offer & First-Year Annual Fee Discount
    Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee.
    ING Orange One Low Rate
    Purchase rate p.a.
    11.99%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 45 days on purchases
    Balance transfer rate p.a.
    N/A
    Annual fee
    $0
    Go to siteMore Info
    100% foreign transaction fee rebates
    $0 annual fee and 100% foreign transaction fee rebates for customers with an Orange Everyday account who meet the minimum deposit and spend requirements.
    ANZ Platinum Credit Card
    Purchase rate p.a.
    20.99%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    21.99%
    Annual fee
    $0 first year ($87 after)
    Go to siteMore Info
    $300 back & $0 First-Year Annual Fee
    Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
    Coles No Annual Fee Mastercard - Bonus Points Offer
    Flybuys
    Purchase rate p.a.
    0% for 6 months, then 19.99%
    Bonus points
    20,000
    Points per $ spent
    0.5
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    N/A
    Annual fee
    $0
    Go to siteMore Info
    20,000 Bonus Flybuys Points
    Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
    Qantas American Express Ultimate Card
    Qantas Frequent Flyer
    Purchase rate p.a.
    23.99%
    Bonus points
    60,000
    Points per $ spent
    1.25
    Interest-free period
    Up to 44 days on purchases
    Balance transfer rate p.a.
    N/A
    Annual fee
    $450
    Go to siteMore Info
    60,000 bonus Qantas Points
    Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
    ANZ Rewards Black Credit Card
    Finder AwardANZ Rewards Program
    Purchase rate p.a.
    20.99%
    Bonus points
    180,000
    Points per $ spent
    2
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    21.99%
    Annual fee
    $375
    Go to siteMore Info
    180,000 Bonus Points & $150 back
    Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
    American Express Qantas Business Rewards Card
    Qantas Business Rewards
    Purchase rate p.a.
    0%
    Bonus points
    170,000
    Points per $ spent
    1.25
    Interest-free period
    Up to 51 days on purchases
    Balance transfer rate p.a.
    N/A
    Annual fee
    $450
    Go to siteMore Info
    170,000 Bonus Qantas Points Offer
    (ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
    Westpac Low Rate Card
    Purchase rate p.a.
    13.74%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    0% for 28 months with 2% balance transfer fee, then 21.49%
    Annual fee
    $59
    Go to siteMore Info
    0% Balance Transfer Offer
    Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
    ANZ Qantas Business Rewards
    Qantas Business Rewards
    Purchase rate p.a.
    20.24%
    Bonus points
    130,000
    Points per $ spent
    0.75
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    N/A
    Annual fee
    $375
    Go to siteMore Info
    130,000 Bonus Points
    ABN holders w/ $75k revenue. Get 130,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Plus, a fast-track to Qantas Business Rewards Level 2.
    ANZ Low Rate - Credit Back Offer
    Purchase rate p.a.
    13.74%
    Bonus points
    N/A
    Points per $ spent
    N/A
    Interest-free period
    Up to 55 days on purchases
    Balance transfer rate p.a.
    21.99%
    Annual fee
    $58
    Go to siteMore Info
    $250 Credit back
    Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
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    Showing 12 of 12 results
    Taylor Blackburn

    When I first moved to Australia 9 years ago, I took out an Amex that earned Velocity Points and gave me a solid earn rate of 1.2 points per dollar spent. The card had an annual fee of $375, 2 free lounge passes, a free return domestic flight and 120,000 bonus points and away we went. After Virgin halted many of its international flights – especially to LAX – the novelty of earn rates and lower annual fees was trumped by wanting airline miles I could more easily use. On top of this, there is only a Woolies near my house which means my groceries earn Qantas Points and Amex is not accepted everywhere. Very happy with my ANZ Qantas Visa.
    — Taylor Blackburn, personal finance specialist

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    2024 Finder Awards winners and finalists

    Find out which credit cards have been recognised in this year’s Finder Awards.

    Every year the Finder Credit Card Awards recognise Australia's top credit cards, with expert analysis on rates, fees and offers based on 12 months' worth of data. The awards cover categories including balance transfers, travel and frequent flyer rewards – with separate categories for cards that earn Qantas Points and Velocity Points.

    As offers change frequently, these cards might not currently have the most competitive deals but you can use them as a benchmark against current offers.

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