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 products available, there isn’t one card that is right for every person. But thinking about the features you want, your spending habits and your financial history can help you compare your options and find the best credit card for you.

Citi Low Rate Credit Card Offer

Citi Clear Platinum Credit Card

0% p.a. for 14 months on balance transfers
$0 first year annual fee

Offer ends 30 June 2019

Eligibility criteria, terms and conditions, fees and charges apply

Citi Low Rate Credit Card Offer

Save with a $0 annual fee for the first year and a long-term balance transfer offer. Plus, enjoy complimentary insurance covers.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.99% p.a. on purchases
  • 0% p.a. for 14 months with 0% BT fee on balance transfers
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare some of the best credit cards

Rates last updated April 19th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
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 75,000 bonus Velocity Points Offer*
Earn up to 75,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Bonus Qantas Points Offer*
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.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months
0% p.a. Balance Transfer Offer*
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
Up to 44 days on purchases
$50 p.a.
0% p.a. for 18 months
Ongoing Annual Fee Discount & Bonus Points
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
NAB Low Rate Platinum Card
0% p.a. for 15 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
Platinum Credit Card with an introductory Purchase Offer*
Enjoy a 0% p.a. interest rate offer on purchases for 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
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.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$45 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Low Rate with 0% p.a. Balance Transfer Offer*
A no-frills card with a competitive annual fee, a low purchase interest rate of 11.99% p.a. and an 18-month balance transfer offer.
Citi Rewards Platinum Credit Card - Exclusive Bonus Points 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 15 months with 1% balance transfer fee
Exclusive 100,000 Bonus Points Offer*
Enjoy 100,000 bonus Citi reward Points when you spend $3,000 within the first 90 days. Plus, save with a $49 first year annual fee.
St.George Vertigo Platinum
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 26 months with 2% balance transfer fee
Low Rate Platinum Credit Card Offer
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.
Citi Rewards 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.
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 get up to 60,000 bonus points. Plus, a $49 first year annual fee when you apply online.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Intro Balance Transfer Rate with No Annual Fee
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
St.George Vertigo Classic - Online Offer
0% p.a. for 14 months (reverts to 13.99% 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 6 months
Online only: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, a $0 first year annual fee.
28 Degrees Platinum Mastercard
21.99% p.a.
Up to 55 days on purchases
$0 p.a.
International Shopping Credit Card
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes, global wifi access and a concierge service.

Compare up to 4 providers

*The credit card offers compared on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Finder's best 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 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 these guides 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? Those who have an existing credit, store or charge card debt that's being charged interest at a higher rate than necessary.

How can I find the best balance transfer credit card?

  1. Compare balance transfer offers. Most offers give you a 0% interest rate for an introductory period, so you'll need to look at how many months this rate applies and what interest rate is charged at the end of it.
  2. Check for fees. As well as the annual fee, check to see if a one-time balance transfer fee will apply and make sure it doesn't outweigh the potential savings.

finder.com.au's pick for balance transfers: HSBC Platinum Credit Card

This card offers 0% p.a. on balance transfers for 22 months with no balance transfer fee. At the end of the introductory period, any remaining balance transfer debt will collect the cash advance interest rate. This card charges a $129 p.a. annual fee that will be refunded each year you spend at least $6,000 on the card.

Frequent flyer & rewards credit cards

  • What are they? Frequent flyer and rewards credit cards give you a way to earn points on your everyday purchases to redeem for travel, merchandise, experiences and more.
  • Who are these cards suited to? Frequent flyer and rewards members who pay off the balance of their credit card each month and want to earn points for their spending.

How can I find the best frequent flyer credit or rewards card?

  1. What 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 cards that earn bank or credit card rewards points as well, such as American Express Membership Rewards or Westpac Altitude Rewards cards.
  2. Compare the earn rate. This is the numbethr 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 your points potential.
  3. Other valuable features. Are there any bonus points on offer, complimentary insurance covers, status credits, airport lounge passes or an annual fee waiver?

finder.com.au's pick for Qantas Points: Qantas Premier Platinum

The Qantas Premier Platinum card boasts one of the biggest bonus Qantas Points offers on the market right now. You'll score 70,000 bonus Qantas Points when you apply for a new Qantas Premier Platinum credit card and spend $3,500 on eligible purchases within the first 90 days. This card offers an additional 30,000 bonus Qantas Points after you pay the second year annual fee. This card charges a $299 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.

    Low cost credit cards

    • What are they? These credit cards offer a lower interest rate on purchases, whether promotional or otherwise, and lower fees when compared to other cards.
    • Who are these cards suited to? If you plan to pay off purchases over time and want to keep your interest charges to a minimum, a low cost, low fee credit card could be a good option.

    How can I find the best low cost 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.
    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 a low cost credit card: Virgin Australia Velocity Flyer card

    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. Available to applicants who apply by 30 April 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.

    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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    Credit Cards Comparison

    Rates last updated April 19th, 2019
    Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
    Citi Clear Platinum Credit Card
    12.99% p.a.
    0% p.a. for 14 months
    $0 p.a. annual fee for the first year ($99 p.a. thereafter)
    Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
    Virgin Australia Velocity Flyer Card - Annual Fee Offer
    20.74% p.a.
    0% p.a. for 18 months
    $50 p.a.
    Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
    Latitude Low Rate Mastercard
    11.99% p.a.
    $69 p.a.
    Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

    Compare up to 4 providers

    * The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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