Best Credit Cards*

From 0% interest offers to $0 fees, rewards and extras, compare Australian credit cards side by side to find the right card for you.

There is no one best credit card*. The right credit card for you will depend on your spending habits, the features you're looking for 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. Require a card for your business expenses? Seeking your first card as a student? Whatever you need, we can help you make an informed choice.

St.George Vertigo Platinum

St.George Credit Card Offer

A platinum card from St.George which lets you enjoy a long-term balance transfer offer and a low ongoing interest rate of 12.74% p.a. on purchases.

  • $99 p.a. annual fee
  • 12.74% p.a. on purchases
  • 0% p.a. for 20 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Compare Best Credit Card Offers*

Rates last updated June 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
Low Rate Platinum Credit Card Offer
A low rate Platinum card with up to 55 interest-free days on purchases and complimentary insurance covers.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Citi Rewards Platinum Credit Card
0% for 24 months Balance Transfer Offer*
Earn Citi Reward Points on everyday spend and receive complimentary travel insurance.
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) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Platinum Card with 0% interest rates on purchases and balance transfers
An exclusive credit card offer through finder.com.au that includes complimentary insurance covers.
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) Go to site More info
St.George Vertigo Visa
$0 First Year Annual Fee with Balance Transfer Offer*
Save with a competitive variable purchase rate and up to 55 interest-free days.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
Earn uncapped HSBC Rewards Plus points per $1 spent and get complimentary insurance covers.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Velocity Rewards Credit Card with a Balance Transfer Offer*
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Bankwest Breeze Mastercard
0% for 21 months Balance Transfer Offer*
Save with a competitive low variable purchase rate and up to 55 interest-free days on purchases.
12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Go to site More info
American Express Velocity Platinum Card
100,000 Velocity Points Credit Card*
Earn up to 100,000 bonus Velocity Points on signup when you apply and spend $1,500 on your new card within the first 3 months.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $375 p.a. Go to site More info
BankSA Vertigo Visa
$0 First Year Annual Fee with Balance Transfer Offer*
Save with a low variable purchase rate and enjoy up to 55 days interest-free.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
NAB Low Fee Card
Low Annual Fee & Balance Transfer Offer
Receive up to 44 interest-free days on purchases and complimentary Purchase Protection Insurance.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $30 p.a. Go to site More info
HSBC Low Rate Credit Card
Long-term Balance Transfer Offer*
Enjoy the benefits of the home&Away Privilege Program and the ability to pay using Apple Pay.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Go to site More info
ANZ Frequent Flyer Black
Up to 75,000 Qantas Points*
Get up to 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months of card approval.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
International Frequent Flyer Credit Card*
Receive 60,000 bonus Qantas Points on eligible spend within 3 months, 1 Qantas Point per $1 spent.
19.99% p.a. $199 p.a. Go to site More info
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% for 24 months Balance Transfer Offer*
Enjoy up to $25 off your first Uber ride. Plus, the convenience of the Westpac mobile banking app.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Platinum Frequent Flyer Credit Card Offer*
Receive 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases for the first three months.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum
Low Interest Rate on Purchases on ANZ Low Rate Platinum Credit Card
Receive complimentary travel insurance, access to a 24/7 concierge service and platinum Mastercard privileges.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
NAB Low Rate Platinum Card
Platinum Credit Card with an introductory Balance Transfer Rate*
Receive complimentary purchase and travel insurance, a 24/7 concierge service and Visa Front Line access.
13.99% p.a. 0% p.a. for 16 months with 2% balance transfer fee $100 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
Low Rate Platinum with a Long-term Balance Transfer Offer
Platinum credit card with complimentary insurances, a 24/7 concierge and price guarantee cover.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential®  Credit Card
$0 Fee Card with Balance Transfer Offer
Earn 1.00 Membership Rewards point per $1 spent on eligible purchases.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Receive up to 55 days interest-free on purchases and access to Visa Global Customer Assistance Services.
13.99% p.a. 0% p.a. for 16 months with 2% balance transfer fee $59 p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Supermarket Platinum Credit Card Offer
Receive a $100 Woolworths eGift Card when you apply by 30 June 2017. Earn up to 3 points per $1 spent at Woolworths stores.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info

* 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 select the right credit card, you need to consider how you plan to use the card, your current financial situation and your future goals. This will allow you to compare the range of benefits and features available and to choose the most suitable credit card based on your circumstances. With so many options available, how do you know which card is best for you? Use this guide to discover the types of cards available, who they're suited to and how to find the ideal one for you.

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

  • What are they? Balance transfer credit cards let you 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 you find the right balance transfer credit card?

  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 and repay your debt with 0% interest

Rates last updated June 24th, 2017
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
NAB Premium Card
Enjoy Platinum benefits including complimentary travel insurance, a 24/7 concierge and Visa Front Line Access.
0% p.a. for 20 months with 2% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
St.George Vertigo Platinum
A low rate Platinum card with up to 55 interest-free days on purchases and access to Visa's Platinum Concierge service.
0% p.a. for 20 months 12.74% p.a. $99 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Earn Citi Reward Points on everyday spend and receive complimentary travel insurance.
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) Go to site More info
Bankwest Breeze Mastercard
Offers a low ongoing purchase rate and up to 55 days interest-free on purchases.
0% p.a. for 21 months with 2% balance transfer fee 12.99% p.a. $59 p.a. Go to site More info
St.George Vertigo Visa
Save with a low variable purchase rate and up to 55 interest-free days.
0% p.a. for 14 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info

How balance transfer cards work and how best to use them

Best credit cards* for frequent flyer rewards: Redeem flights with your favourite airline, 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 you 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 June 24th, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
NAB Rewards Platinum Card
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening. 50,000 bonus points 1 $195 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months. 75,000 bonus points 1 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent. 60,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year. 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance. 100,000 bonus points 0 1.5 $375 p.a. Go to site More info

How to maximise your frequent flyer points with your credit card

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 you?

  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 June 24th, 2017
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months. 75,000 bonus points 1 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent. 60,000 bonus points 1 0 $199 p.a. Go to site More info
NAB Premium Card
Offers 7 complimentary insurance covers, access to a 24/7 concierge service and special offers through Visa Entertainment.
NAB Premium Card
NAB Premium Card
Offers 7 complimentary insurance covers, access to a 24/7 concierge service and special offers through Visa Entertainment. 0 0 $90 p.a. Go to site More info
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance. 100,000 bonus points 0 1.5 $375 p.a. Go to site More info
American Express Explorer® Credit Card
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
American Express Explorer® Credit Card
American Express Explorer® Credit Card
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport. 50,000 bonus points 2 $395 p.a. Go to site More info

Discover your rewards credit card options

Low rate credit cards: Save money and pay less interest

  • 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 you find the right low rate credit card?

  1. Compare the interest rates. The lower the better. Compare 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 June 24th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
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
Gain access to Visa Global Customer Assistance Services and add an additional cardholder at no cost.
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, and the ability to pay with Apple Pay.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Features platinum insurance covers including Extended Warranty, Price Guarantee and Purchase Cover Insurance.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive exclusive ticket and lifestyle offers through Visa Entertainment and the security of Falcon Fraud protection.
Bankwest Breeze Mastercard
12.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 21 months with 2% balance transfer fee
Receive up to 55 day interest-free on purchases and free worldwide emergency card replacement.

Compare up to 4 providers

How to make the most of low-rate cards

Low and no annual fee credit cards: More benefits, 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. Also suitable for people who use their card infrequently.

How can you 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 June 24th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
American Express Essential®  Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit on eligible spend and get Smartphone screen insurance when you pay for your phone or contract.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Receive access to complimentary purchase insurance and free bottles of wine with the Citibank Dining Program.
St.George Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
BankSA Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
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.
ANZ Frequent Flyer Black
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
19.99% p.a.
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months.
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.
HSBC Platinum Credit Card
$99 p.a.
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
Earn 1.00 Reward Point per $1 spent and gain access to the Visa Platinum concierge service and Visa Entertainment.
ANZ Frequent Flyer Platinum
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
19.99% p.a.
Get 50,000 bonus points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
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.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
0% p.a. for 6 months (reverts to 19.84% p.a.)
0% p.a. for 12 months
Enjoy platinum card benefits including a 24/7 concierge service and complimentary insurance covers.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Includes complimentary travel insurance, a 24/7 Concierge service and $0 foreign transaction fees.
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 $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.

Compare up to 4 providers

Choosing low and no annual fee cards

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 concierges and complimentary insurance.
  • 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 you 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 June 24th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
50,000 bonus points 1 6 months $195 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 6 months $49 p.a. annual fee for the first year ($149 p.a. thereafter) $35,000 Go to site More info
HSBC Platinum Credit Card
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
VISA/MC: 1 AMEX: 0 4 months $99 p.a. $40,000 Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent on eligible transactions within the first 3 months.
0.66 N/A $64 p.a. annual fee for the first year ($129 p.a. thereafter) $35,000 Go to site More info
NAB Premium Card
Platinum credit card benefits including higher credit limits and travel insurance, plus a low interest rate on balance transfers.
VISA/MC: 0 AMEX: 0 6 months $90 p.a. Go to site More info

How to qualify for a black, gold or platinum card

Business credit cards: For managing your business' finances

  • What are they? Business credit cards can 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 June 24th, 2017
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
American Express Platinum Business Card
Receive complimentary international travel and business expense insurances and gain access to 800 VIP Lounges in 100 countries.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Velocity Business Card
Easily download expenses into business and account management software, plus receive two Virgin Australia lounge passes per year.
VISA/MC: 0 AMEX: 1 N/A $249 p.a. $24,000 Go to site More info
American Express Business Card
A low fee business credit card with up to 51 days interest-free on purchases.
VISA/MC: 0 AMEX: 1 N/A $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive complimentary travel insurance, up to 51 days interest-free on purchases and no pre-set spending limit.
10,000 bonus points VISA/MC: 0 AMEX: 1 N/A $169 p.a. $24,000 Go to site More info

Explore your business credit card options

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 you?

  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 June 24th, 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)
A basic card that comes with extended warranty benefits, purchase security cover and a low minimum credit limit.
Bankwest Breeze Mastercard
12.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 21 months with 2% balance transfer fee
A standard credit card that offers free worldwide emergency card replacement and Android Pay.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Includes Mastercard's Zero Liability Guarantee, plus Android Pay and Apply Pay.
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
Includes 24/7 emergency travel assistance and exclusive Visa Entertainment offers.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Pay no annual fee for the life of the card and get 10% cash back on eligible purchases (capped at $50/month for 4 months from card approval).

Compare up to 4 providers

How to choose the best student card

No foreign transaction fee credit cards: Pay overseas without the extra cost

  • 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 you 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 June 24th, 2017
Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Overseas ATM Withdrawal Fee Annual fee
Bankwest Zero Platinum Mastercard
An introductory offer on balance transfers, plus complimentary travel insurance & access to a 24/7 Concierge service.
0% of transaction value $0 $0 p.a. Go to site More info
Bankwest Qantas Platinum Mastercard
Enjoy a high credit limit with complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
0% of transaction value $160 p.a. Go to site More info
28 Degrees Platinum Mastercard
Receive up to 55 days interest-free on purchases and access to a 24/7 concierge service.
0% of transaction value $0 $0 p.a. Go to site More info
Bankwest Qantas World Mastercard
Earn uncapped Qantas Points per $1 spent on eligible purchases and receive complimentary travel insurance.
0% of transaction value $270 p.a. Go to site More info

Choosing frequent flyer credit cards with no foreign transaction fees

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 you 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 June 24th, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0 0 Up to 55 days on purchases 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) Go to site More info
American Express Platinum Edge Credit Card
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
1 Up to 55 days on purchases 20.74% p.a. $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months.
1 Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Qantas American Express Discovery Card
Enjoy 0% p.a. on balance transfers for 12 months and an uncapped points earning rate.
1 Up to 44 days on purchases 20.74% p.a. $0 p.a. Go to site More info
Rates last updated June 24th, 2017
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Interest Free Period Purchase rate (p.a.) Annual fee
American Express Essential®  Credit Card
Receive a $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
1 Up to 55 days on purchases 14.99% p.a. $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
1 Up to 55 days on purchases 20.74% p.a. $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Includes a 0% p.a. offer on balance transfers for 12 months and a platinum concierge service.
0 0 Up to 55 days on purchases 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) Go to site More info
American Express Platinum Card
Receive an annual $300 Platinum Travel Credit, membership to an elite tier of partner programs and access to more than 1,000 VIP lounges.
1 0 $1,200 p.a. Go to site More info
David Jones American Express
Receive benefits through David Jones including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
1 Up to 44 days on purchases 20.74% p.a. $99 p.a. Go to site More info

Contactless payment options on cards and smartphones

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285 Responses to Best Credit Cards*

  1. Default Gravatar
    Lizzy | May 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
      Harold | May 9, 2017

      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

  2. Default Gravatar
    Chris | May 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.

  3. Default Gravatar
    Theo | April 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
      May | May 11, 2017

      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

  4. Default Gravatar
    Rossco | November 20, 2016

    Which banks offer a card with multiple family member access?

    • Staff
      Anndy | November 20, 2016

      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

  5. Default Gravatar
    george | October 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
      May | October 28, 2016

      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

  6. Default Gravatar
    lauren | August 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
      Anndy | August 22, 2016

      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

  7. Default Gravatar
    Ken | May 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
      May | May 31, 2016

      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

  8. Default Gravatar
    Boyd | May 26, 2016

    Why is American Express not accepted in some countries?

    Is NAB Debit Card able to be used in all countries?

    • Staff
      May | May 26, 2016

      Hi Boyd, thanks for your questions!

      Actually, AMEX is a generally or widely accepted card, however, there are just some merchants still refuse to accept AMEX cards because of their higher processing/merchant fees. Compared to Visa and MasterCard, AMEX charges higher credit card processing fees.

      As for NAB debit card, yes, this card is also accepted overseas. You can use this card to withdraw cash from ATMs and make purchases over the counter wherever MasterCard is accepted. Fees and charges may apply, though.

      I hope this has answered your question.

      Cheers,
      May

  9. Default Gravatar
    | May 11, 2016

    Hi finder.com.au,

    Does closing my credit card have any negative impact on my credit score? Assuming that there aren’t any late or missed payments and everything is paid back in full.

    Thanks

    • Staff
      Anndy | May 11, 2016

      Hi Aran,

      Thanks for your comment.

      Closing your credit card properly will not negatively affect your credit rating. If you like to learn more what causes a bad credit rating, you can refer to this page.

      Cheers,
      Anndy

  10. Default Gravatar
    Grant | April 1, 2016

    I clicked an advertisement banner saying something about a card (no name provided) with no annual fee, and something like 12 or 20 months interest free on purchases / balance transfers. I don’t see such a card anywhere. Can you please clarify that such a card exists? Otherwise I was directed here under false pretences using misleading information.

    I’m after a card with no / low annual fee and no interest on purchases.

    Thanks.

    • Staff
      Ally | April 1, 2016

      Hi Grant,

      Thanks for reaching out.

      As an online comparison website, we do feature various credit cards with different features and offers such as those having a low/no annual fee, 0% balance transfers and purchases, etc. However, we also always put labels/names on these products and even create review pages for each one to ensure that our users find the necessary information for comparing the available options and help them land with the most suitable card to their needs.

      If a credit card with a low/no annual fee with 0% interest rate on purchases is what you’re after,
      then you might find this 0% Purchase Credit Cards page useful.

      I hope this has helped.

      Cheers,
      Ally

Credit Cards Comparison

Rates last updated June 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
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) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 20 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 20 months with 2% balance transfer fee $90 p.a. Go to site More info

* 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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