Best Credit Cards*

From 0% interest offers and bonus points to $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 key details including the features you want, your spending habits and your financial history. The tables on this page provide details of the offers available on finder.com.au to help you compare cards based on 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, here you can compare a range of cards and learn how to choose the right one for you.

NAB Premium Card - Exclusive Offer

0% p.a. for 24 months on balance transfers
Exclusive to finder.com.au

Offer ends 12 November 2017

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 24 months on a new NAB Premium Card. BT reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee when BT requested upon application.
  • Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
  • Request an additional cardholder at no extra cost.
  • Must apply through finder.com.au to take advantage of this offer.
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Compare the Best Credit Cards* trending now

Rates last updated October 17th, 2017
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 24 months
$90 p.a.
Platinum Card with an Exclusive Balance Transfer Offer
Exclusive to finder.com.au, enjoy a long-term balance transfer offer of 0% p.a. for 24 months (with no BT fee), travel insurance and a 24/7 concierge.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 60,000 bonus Velocity Points with Balance Transfer Offer*
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a 0% p.a. for 18 months on balance transfers.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
0% p.a. for 24 months Balance Transfer Offer*
Enjoy up to $25 off your first Uber ride. Plus, the convenience of the Westpac mobile banking app.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$99 p.a.
Platinum Credit Card with a Balance Transfer Offer*
A long-term balance transfer card that earns uncapped HSBC Rewards Plus points per $1 spent, plus, complimentary insurance covers.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 24 months Balance Transfer Offer*
Pay no interest on balance transfers for 2 years, earn Citi Reward Points on purchases and receive complimentary travel insurance.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Platinum Card with 0% interest rates on purchases and balance transfers
An exclusive credit card offer through finder.com.au that features 0% interest on both purchases and balance transfers.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Low Rate Platinum Credit Card Offer
A low rate Platinum card with a long-term balance transfer offer, up to 55 interest-free days on purchases and complimentary insurance covers.
Bank of Melbourne Vertigo Visa Credit Card
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Low Introductory Balance Transfer Rate*
Enjoy 0% p.a. for 18 months on balance transfers and a low annual fee.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Qantas Points when you meet the spend requirement. Ends 26 October 2017.
HSBC Low Rate Credit Card
13.25% p.a.
0% p.a. for 15 months with 2% balance transfer fee
$55 p.a.
Long-term Balance Transfer Offer*
Enjoy the benefits of the home&Away Privilege Program, the ability to pay using Apple Pay and a low annual fee for the life of the card.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee & Balance Transfer Offer
Receive up to 44 interest-free days on purchases and complimentary Purchase Protection Insurance.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$79 p.a.
0% p.a. for 13 months Balance Transfer and Purchase Offer*
Save with a competitive low variable purchase rate and up to 55 interest-free days on purchases.
ME frank Credit Card
11.99% p.a.
$0 p.a.
No Annual Fee Low Rate Credit Card*
A low interest rate credit card that charges no annual fees.
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)
Supermarket Platinum Credit Card Offer
Receive a $50 Woolworths eGift Card when you apply by 31 January 2018. Earn up to 3 points per $1 spent at Woolworths stores.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
$29 p.a.
For customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 6 months
$199 p.a.
International Frequent Flyer Credit Card*
Receive 60,000 bonus Qantas Points on eligible spend within 3 months, plus, earn 1 Qantas Point per $1 spent on purchases.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Low Annual Fee with Balance Transfer Offer*
Consolidate your debt and save with a competitive variable purchase rate and up to 55 interest-free days on purchases.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
0% p.a. for 13 months with 2% balance transfer fee
$99 p.a.
Low Rate Platinum Card with No Foreign Transaction Fees *
Benefit from 0% p.a. for 13 months on balance transfers, platinum privileges and 0% foreign transaction fees on overseas and online purchases. Limited time only.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Velocity Rewards Credit Card with a Balance Transfer Offer*
Apply by 31 October 2017 to earn bonus Velocity Points for the first 3 months, plus receive a $129 Virgin Australia Gift Voucher each year.
American Express Explorer Credit Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$395 p.a.
50,000 Membership Rewards Bonus Points and $400 travel voucher*
Receive 50,000 Membership Rewards Bonus Points on eligible spend within the first 3 months of card membership.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Low Rate Platinum with a Long-term Balance Transfer Offer
Platinum credit card with a 24-month balance transfer offer, complimentary insurances, a 24/7 concierge and price guarantee cover.
BankSA Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
0% Balance Transfer Offer*
Save with a low variable purchase rate and enjoy 0% p.a. for 18 months on balance transfers.

Compare up to 4 providers

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

What is the best credit card* for me?

To choose the right credit card, you need to look at how you plan to use the card, your current financial situation and your future goals. This will allow you to compare benefits and features based on your circumstances so that you can find a credit card that suits your needs.

For example, if you want a credit card that offers rewards and perks, you could look at frequent flyer cards or gold, platinum and black options. Or, if you want a card to help you manage your expenses, you could 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.

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

  • What are they? Balance transfer credit cards let you pay off an existing debt from a credit, store or charge card with low or 0% interest for a set period. You can also consolidate other debts with some balance transfer cards, such as personal loans.
  • Who are these credit cards suited to? If you have an existing credit card debt that's accumulating interest, a balance transfer deal can help you pay off that debt faster.

How can 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: 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

Rates last updated October 17th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Receive a long-term BT offer, earn Citi Reward Points and receive complimentary travel insurance.
NAB Premium Card - Exclusive Offer
0% p.a. for 24 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee. Plus, use of the Westpac mobile banking app.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.

Compare up to 4 providers

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 get reward 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? Anyone who wants to maximise their frequent flyer points total to enjoy free flights and other benefits.

How can I find the right frequent flyer credit card?

  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. Also check whether there's a cap on how many points you can earn each month or each year.
  3. Other valuable features. What other features do you want from your card? Are there any bonus points on offer, complimentary insurance, airport lounge passes or an annual fee waiver?

Compare Frequent Flyer Credit Cards

Rates last updated October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
100,000 bonus points
0.625
1.25
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Qantas Points when you meet the spend requirement. Ends 26 October 2017.
Citi Platinum Credit Card - 100k Bonus Points
100,000 bonus points
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Citi Rewards Platinum Credit Card
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn Reward Points per $1 spent as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
Westpac Altitude Black - 100k Bonus Points
100,000 bonus points
1.25
2.5
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Altitude Points when you meet the spend requirement. Ends 26 October 2017.

Compare up to 4 providers

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 are designed to make it more affordable to spend money overseas or online with international retailers. Unlike most debit and credit cards, they don't charge a foreign transaction fee every time you use your card to spend in an international currency.
  • Who are these credit cards suited to? If you’re a frequent traveller, have a holiday coming up or regularly use your credit card 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 right low or no foreign transaction fee card?

  1. Annual fee. You may be saving on foreign currency conversion fees, but you’ll want to make sure the annual fee doesn’t 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 covers 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

Rates last updated October 17th, 2017
Name Product Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
The greater of 2% or $4
$0 p.a.
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
28 Degrees Platinum Mastercard
0% of transaction value
$0
3% of the cash advance or $4 (whichever is greater)
$0 p.a.
Designed for travel, benefit from no international transaction fees on purchases and no currency conversion fees.
Bankwest Qantas Platinum Mastercard
0% of transaction value
2% or $4, whichever is greater
$160 p.a.
Enjoy a high credit limit with complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
Westpac Lite Card
0% of transaction value
$0
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000 and no foreign transaction fees.
Bankwest Breeze Platinum Mastercard
0% of transaction value
$0
Greater of 2% or $4.00
$99 p.a.
Offers an introductory balance transfer rate of 0% p.a. for 13 months with a 2% BT fee, plus platinum perks.

Compare up to 4 providers

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 lets you earn points for your spending and gives you the flexibility to choose how you use your points. There is also 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.

Which rewards credit card is right for me?

  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 insurances or balance transfer offers, as well as rates and fees.

Compare Rewards Credit Cards

Rates last updated October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
American Express Velocity Platinum Card
50,000 bonus points
1.5
20.74% p.a.
$375 p.a.
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
Westpac Altitude Black - 100k Bonus Points
100,000 bonus points
1.25
2.5
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Altitude Points when you meet the spend requirement. Ends 26 October 2017.
American Express Explorer Credit Card
50,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
100,000 bonus points
0.625
1.25
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Qantas Points when you meet the spend requirement. Ends 26 October 2017.

Compare up to 4 providers

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 designed 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?

  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

Rates last updated October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
0
0
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% balance transfer fee.
St.George Vertigo Platinum
0
0
12.74% p.a.
$99 p.a.
Take advantage of a 0% p.a. for 24 months on balance transfers offer with 2% balance transfer fee.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
100,000 bonus points
0.625
1.25
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Qantas Points when you meet the spend requirement. Ends 26 October 2017.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.

Compare up to 4 providers

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 are designed to 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 right low rate credit card?

  1. Compare the interest rates. The lower 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

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee. Plus, use of the Westpac mobile banking app.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
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
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 44 days interest-free on purchases.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.

Compare up to 4 providers

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 and no annual fee credit cards?

  1. Compare fees and interest rates. The lower the fee, the better. Check whether the low fee applies throughout the life of the card or just for the first year. Also make sure to check the interest rate and 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

Rates last updated October 17th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
ANZ Platinum Credit Card - Exclusive Offer
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
ME frank Credit Card
$0 p.a.
11.99% p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval.
American Express Velocity Escape Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
American Express Essential®  Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive up to 55 days interest-free on purchases, platinum concierge service and extended complimentary insurance cover.
Bankwest Zero Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Receive up to 55 days interest-free on purchases, the worldwide acceptance of a Mastercard and the ability to use Android Pay.

Compare up to 4 providers

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 card is right for me?

  1. Are you eligible? Even though they're called "student credit cards", these products still have minimum income, employment and residency criteria you must fulfill 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 or not you will be charged an annual fee. Also consider low foreign transaction fees if you plan to use the card overseas.

Compare Student Credit Cards

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
ANZ First Student Card
19.74% p.a.
Up to 44 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Access your account on the go with the goMoney™ app and have the convenience of Android Pay, Apple Pay or Samsung Pay.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Enjoy exclusive offers with the home&Away Privilege Program, a low $1,000 credit limit and the ability to use Apple Pay.
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Receive special offers from Visa Entertainment, emergency travel assistance and the convenience of payWave.
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
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval.

Compare up to 4 providers

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.

Finding the best* credit cards for your business

  1. Consider the card features. You can opt for a card that earns your business rewards points, offers complimentary insurances or one that helps you save on your business purchases. 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

Rates last updated October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Complimentary Travel Insurance Annual fee Minimum Income Product Description
NAB Rewards Business Signature Card
75,000 bonus points
1.25
No
$175 p.a.
Earn 75,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
Commonwealth Bank Business Gold Awards Credit Card
1
0.5
Yes
$150 p.a.
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
American Express Gold Business Card
10,000 bonus points
0
1
Yes
$169 p.a.
$24,000
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
American Express Platinum Business Card
120,000 bonus points
0
1
Yes
$1,500 p.a.
$75,000
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
ANZ Business Black
1.5
Yes
$0 p.a. annual fee for the first year ($300 p.a. thereafter)
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses.

Compare up to 4 providers

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 Android 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?

  1. Provider. Of the big four banks, only ANZ currently offers Apple Pay enabled credit cards, though the rest are predicted to follow suit. See the complete list of participating financial institutions here. 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 which an older iOS variant, you’ll have to update if you want to access Apple Pay.

Android Pay

Android-pay-coming-to-Australia-img-8-may-2017

  • Which mobile phones are compatible with Android Pay? Almost all Android smartphones with NFC (Near Field Communication) can take advantage of Android Pay. This includes the Samsung Galaxy S7, LG G5, Sony Xperia Z5, Nexus 6P or Samsung Galaxy S6, S7.
    If you're still unsure check whether your current smartphone accepts Android Pay.
  • Which banks support Android Pay? Of the big four banks, ANZ and Westpac currently offer Android Pay. It is compatible with these 28 Australian financial institutions:
Banks with Android Pay
ANZ (Visa, Credit & Debit)Goulburn Murray Co-OpSelect Mutual
American Express (Cards issued by AMEX)Holiday CoastSouth West Co-Op
Bendigo Bank (Visa / MC, Credit / Debit)HorizonSouth West Slopes
Central West Credit UnionIntechSydney CU
Community Alliance Credit UnionMacquarie (Visa / MC, Credit / Debit)Teachers Mutual Bank
Community First Credit UnionMaritime, Mining & PowerThe Mac
Credit Union AustraliaMyState BankWarwick CU
Credit Union SANorthern BeachesWAW CU
Defence BankNorthern InlandWoolworths Employees’ CU
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 October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
ANZ Platinum Credit Card - Exclusive Offer
0
0
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
American Express Platinum Edge Credit Card
1
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
Qantas American Express Discovery Card
1
20.74% p.a.
$0 p.a.
Enjoy 0% p.a. on balance transfers for 12 months and an uncapped points earning rate.
ANZ Rewards Credit Card
25,000 bonus points
1
18.79% p.a.
$0 p.a. annual fee for the first year ($80 p.a. thereafter)
Receive 25,000 bonus Reward Points when you spend $2,500 on eligible purchases in the first 3 months from approval.

Compare up to 4 providers

Rates last updated October 17th, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
American Express Platinum Edge Credit Card
1
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
ANZ Platinum Credit Card - Exclusive Offer
0
0
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Includes a 0% p.a. offer on balance transfers for 12 months and a platinum concierge service.
American Express Platinum Card
80,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
David Jones American Express
20,000 bonus points
1
20.74% p.a.
$99 p.a.
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.

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 "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 for you 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 mean 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?

    • Staff
      JonathanJuly 23, 2017Staff

      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
      AnndyNovember 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
      AnndyAugust 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 October 17th, 2017
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 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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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