Best* Credit Cards

From 0% interest offers to bonus points, $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 one best credit card that works for everyone. But you can find the right credit card for you by thinking about the features you want, your spending habits and your financial history. Then you can use the tables on this page to compare credit cards with a range of different features and find one that suits your needs.

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. From choosing your first card as a student to getting one for your business expenses, you can compare a range of cards and learn how to choose the right one for you here.

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

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

NAB Low Fee Platinum Card - Exclusive Offer

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

Offer ends 16 December 2018

Eligibility criteria, terms and conditions, fees and charges apply

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

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

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

Compare some of the best credit cards

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
Up to 44 days on purchases
$90 p.a.
0% p.a. for 25 months
25 Month Balance Transfer Offer
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Platinum Credit Card with a Low Interest Rate *
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months
100,000 bonus Qantas Points with Balance Transfer Offer
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
Long-Term Balance Transfer Offer*
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
0% p.a. Purchase & Balance Transfer Offers*
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
Up to 45 days on purchases
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Reduced First Year Annual Fee and Bonus Points Offer*
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Discounted First Year Annual Fee & Balance Transfer Offer*
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
HSBC Platinum Qantas Credit Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 12 months
$0 First Year Annual Fee & Balance Transfer Offer*
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$129 p.a.
0% p.a. for 22 months with 2% balance transfer fee
Annual Fee Refund & Balance Transfer Offer*
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, 2 airport lounge passes every year.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Low Intro Balance Transfer Interest Rate with No Annual Fee
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 6 months
Discounted First Year Annual Fee & Purchase Offer*
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
Low Rate Credit Card Offer*
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 24 months
Platinum Credit Card with Balance Transfer Offer
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 18 months
Up to 60,000 bonus Velocity Points Offer*
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
Qantas Premier Everyday
0% p.a. for 9 months (reverts to 19.99% p.a.)
Up to 55 days on purchases
$49 p.a.
0% p.a. for 9 months
0% Purchase and Balance Transfer & Bonus Points Offer
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Skye Mastercard
23.99% p.a.
Up to 90 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year.
Virgin Australia Velocity High Flyer Card
20.74% p.a.
Up to 44 days on purchases
$289 p.a.
0% p.a. for 15 months
Up to 90,000 bonus Velocity Points with Balance Transfer Offer
Take off sooner with up to 90,000 bonus Velocity Points, lounge passes and insurance covers. Plus, enjoy a 15 month balance transfer offer.
St.George Amplify Signature - Qantas
19.49% p.a.
Up to 55 days on purchases
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Reduced First Year Annual Fee & Bonus Points Offer*
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
Citi Rewards Platinum Credit Card - Online Offer
20.99% p.a.
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 24 months with 1.5% balance transfer fee
0% p.a. for 24 months Balance Transfer Offer*
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
Up to 45 days on purchases
$499 p.a.
Black Card Bundle with Bonus Points
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
American Express Explorer Credit Card
20.74% p.a.
Up to 55 days on purchases
$395 p.a.
0% p.a. for 12 months with 1% balance transfer fee
100,000 Bonus Points*
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 24 months with 1% balance transfer fee
$0 First Year Annual Fee & Balance Transfer Offer*
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ First Visa Credit Card
19.74% p.a.
Up to 44 days on purchases
$30 p.a.
0% p.a. for 18 months with 2% balance transfer fee
Low Annual Fee and up to 44 days interest-free
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Low Purchase Rate & Balance Transfer Offer*
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
St.George Amplify Signature - Online Offer
19.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
$0 First Year Annual Fee & Bonus Points Offer*
Enjoy a $0 first year annual fee, 100,000 bonus Amplify Points and 2 complimentary lounge passes per year. Ends 17 December 2018.

Compare up to 4 providers

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

Compare the best credit cards ending soon

VIDEO: How to choose the best credit card

What is the best credit card for me?

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

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

compare-credit-cards

What type of credit card are you looking for?

0% balance transfer credit cards

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

How can I find the best balance transfer credit card?

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

finder.com.au’s pick for balance transfers: Westpac Low Rate

Westpac low rate card

When you apply for the Westpac Low Rate by 2 April 2019 and request a balance transfer at the time of application, you can take advantage of 0% p.a. interest on your debt for the first 24 months. A one-time 1% balance transfer fee applies. At the end of the promotional period, the variable cash advance rate applies to any remaining debt from the transfer. Plus, receive a $0 annual fee for the first year.

Interested in other offers? Compare more balance transfer credit cards now.

Frequent flyer credit cards

  • What are they? Frequent flyer credit cards give you a way to earn points on your everyday purchases, either directly or by transferring card reward points to your chosen airline loyalty program.
  • Who are these cards suited to? If you’re a frequent flyer member and pay the balance off your credit card each month, this type of card will help you earn more frequent flyer points.

How can I find the best frequent flyer credit card?

  1. What frequent flyer program/s do you want to earn points for? As well as Qantas Frequent Flyer and Velocity Frequent Flyer credit cards, you can look at other cards that allow you to transfer credit card reward points to partnered frequent flyer programs, such as American Express Membership Rewards or Westpac Altitude Rewards cards.
  2. Compare the earn rate. This refers to the number of points you earn per $1 spent on eligible purchases. Check if there's a cap on how many points you can earn each month or each year and whether that will limit you based on your usual spending.
  3. Other valuable features. Are there any bonus points on offer, complimentary insurance, airport lounge passes or an annual fee waiver?

finder.com.au’s pick for Qantas Points: American Express Westpac Altitude Platinum Qantas bundle

amex westpac altitude plat qantas bundle card

If you apply for the American Express Westpac Altitude Platinum Qantas bundle by 2 April 2019, you can earn up to 75,000 bonus Qantas Points. You'll earn 60,000 on Visa and 15,000 on Amex when you spend $3,000 within 90 days on each card. When you apply by this offer end date, you'll also save with a reduced fee of $50 ($249 p.a. thereafter). This card bundle comes with both a Visa (issued by Westpac) and an American Express (issued and serviced by American Express).

finder.com.au’s pick for Velocity Points: Virgin Australia Velocity Flyer - Bonus points offer

virgin australia velocity frequent flyer bonus points card

This Velocity Frequent Flyer credit card offers up to 60,000 bonus Velocity Points in the first 3 months when you apply by 31 January 2019 and meet the spend requirement. This offer also gives you a reduced annual fee of $64 in the first year ($129 p.a. thereafter), plus you’ll earn up to 0.66 Velocity Points per $1 spent on all eligible purchases you make with the Virgin Australia Velocity Flyer.

Check out more bonus point offers and compare other frequent flyer cards now.

Rewards credit cards

  • What are they? These credit cards give you points for your everyday spending, which you can then use to redeem rewards such as travel, frequent flyer points, merchandise and gift cards.
  • Who are these cards suited to? If you often pay with a credit card and want to get more value from your account, a rewards credit card offers flexible points without tying you to a single frequent flyer program.

How can I find the best rewards credit card for me?

  1. What rewards do you want? Each rewards program offers a range of ways you can use points with different partners, ranging from travel booking services to frequent flyer programs, department stores and online reward centres. Make sure the one you choose offers rewards you’ll actually use.
  2. Compare earn rates and point caps. Look at how many points you’ll earn per $1 spent and whether there is a monthly or yearly points cap that could limit your rewards.
  3. Look at bonus points, perks and fees. Bonus point offers can give you extra value when you first get a card, while other perks such as complimentary travel insurance or airport lounge passes offer value when you travel. Also check the card’s annual fee to work out if the value of rewards and perks will outweigh it.

Want to earn more points per $1 spent? Compare a range of reward credit cards now.

finder.com.au’s pick for credit card rewards: American Express Westpac Altitude Platinum bundle

If you apply for the American Express Westpac Altitude Platinum bundle by 2 April 2019, you can earn up to 75,000 bonus Altitude Points. You'll earn 60,000 on Visa and 15,000 on Amex when you spend $3,000 within 90 days on each card. When you apply through finder by this offer end date, you'll also save with $0 annual fee in the first year (reverts to an annual fee of $199 p.a. thereafter). The Visa card is issued by Westpac, while the Amex card is serviced and issued by American Express.

Want to earn more points per $1 spent? Compare a range of rewards credit cards now.

0% foreign transaction fee credit cards

  • What are they? These cards don’t charge a transaction fee when you make payments overseas or online with a retailer that’s based overseas. In comparison, most other cards charge a foreign transaction fee of around 2% to 3% each time you make a payment overseas.
  • Who are these cards suited to? If you travel a lot or shop at online stores that are based overseas, a 0% foreign transaction fee credit card can help you save on costs.

How can I find the best 0% foreign transaction fee credit card for me?

    1. Compare the rates and fees. While these cards give you 0% overseas transaction fees, make sure you also look at the annual fee and interest rates that apply so you can decide if the $0 foreign transaction fee is worth it.
    2. Are there other travel benefits? Some of these cards offer extras such as complimentary international travel insurance, airport lounge passes or rewards that can help you save even more on your trip.

finder.com.au’s pick for no foreign transaction fees: 28 Degrees Platinum Mastercard

28 degrees platinum cardc

As well as 0% foreign transaction fees, the 28 Degrees Platinum Mastercard also comes with $0 annual fee, up to 55 interest-free days and $0 ATM withdrawal fees. You can also take advantage of the Mastercard concierge service for anything from restaurant reservations to hotel bookings.

Check out other 0% foreign transaction fee credit cards, including options with $0 annual fee and rewards.

Cards with low or 0% purchase rates

  • What are they? These credit cards offer a lower ongoing, variable interest rate on purchases when compared to other cards.
  • Who are these cards suited to? If you plan on paying off purchases over time and want to keep your interest charges to a minimum, a low rate credit card could be a good option.

How can I find the best low rate credit card for me?

  1. Compare the interest rates. The lower the purchase rate, the better. Remember to look at the standard rate charged for purchases, as well as any introductory interest rate offers. Also check the cash advance rate and when that will apply.
  2. Look at fees and other features. Weigh the card’s annual fee against the potential savings you’ll get from the low purchase rate and consider any other perks such as complimentary insurance or concierge services.

Compare more low rate credit cards to find one that’s right for you.

No annual fee credit cards

  • What are they? These cards charge no annual fee.
  • Who are these credit cards suited to? If you regularly pay off your balance each month, a $0 annual fee card will keep your costs to a minimum. This type of card is also practical if you rarely pay with plastic as the maintenance fees won’t burn a hole in your pocket while you’re not using it.

How can I find the right low or no annual fee credit card?

  1. Compare the annual fee details. Some $0 annual fees will last for life but others only apply for a promotional period, such as the first year.
  2. Interest rates. You should also check the interest rates and ensure that the interest costs won’t outweigh the low-fee benefit if you’re planning to carry a balance.

finder.com.au’s pick for no annual fee: Citi Simplicity card

The Citi Simplicity Card boasts no annual fee for life. You can also save with 0% p.a. for 6 months on balance transfers. At the end of the promotional period, any remaining balances will attract the cash advance rate.

Want to save on card costs? Compare other cards with no annual fees.

Student credit cards

  • What are they? Low-cost credit card options that are available for students who need a convenient line of credit.
  • Who are these credit cards suited to? Students who are looking for affordable credit card options and who may not qualify for other cards. They're also a good way to build credit history and learn the responsibilities of debt.

Which student credit card is right for me?

  1. Are you eligible? Like most credit cards, these products have minimum income, employment and residency criteria you have to meet in order to be eligible. For example, most cards have a minimum income requirement of $15,000 p.a. or will need a guarantor (such as a parent) to share the financial responsibilities of the card.
  2. Compare key features. Although you should aim to pay your balance in full each month, you need to consider the interest rate that will apply to your purchases. You should also compare the annual fee and foreign transaction fees if you plan to use the card overseas.

finder.com.au’s pick for students: ANZ Low Rate card

anz low rate card

The ANZ Low Rate credit card has a low 12.49% p.a. purchase rate and competitive $58 p.a. annual fee. It also has a low minimum income of $15,000, which could be suitable if you have a part time or casual job while you’re studying.

Want to compare other cards you might be eligible for? See our guide to student credit cards for more.

Business credit cards

  • What are they? A business credit card can offer a convenient line of credit to help manage fluctuations in cash flow. You can also easily manage employee spending by requesting additional cards and linking it with your accounting software. Some cards also allow you to earn reward points on eligible business purchases.
  • Who are these cards suited to? Depending on the card, they are suited to sole traders, small-to-medium businesses and corporate entities. You must have an ABN to apply.

How can I find the best credit card for my business?

  1. Consider the card features. Some business credit cards are linked to rewards or frequent flyer programs, offer complimentary insurance or can be linked with your business’s accounting software.
  2. Assess the costs. If cash flow issues mean you won’t always pay your card in full by the end of the statement period, consider a card with a 0% or low purchase rate. Otherwise, you may want to consider a card with a low annual fee.

finder.com.au’s pick for businesses: NAB Rewards Business Signature card

The NAB Rewards Business Signature card offers new cardholders 100,000 bonus NAB Rewards points when they apply and spend $4,000 in the first 60 days. You’ll also continue to earn NAB Rewards on eligible purchases, which you can redeem for travel with Webjet, gift cards and frequent flyer points with Velocity, Asia Miles or Air New Zealand Airpoints. This card also offers complimentary insurance and a personal concierge service with an annual fee of $175 per card.

Compare other credit cards suited to business card holders.

Credit cards with contactless mobile payments

  • What are they? These cards are linked to mobile wallets such as Apple Pay, Samsung Pay and Google Pay, allowing you to tap and pay with your smartphone at the checkout.
  • Who are these cards suited to? Cardholders who want to cut their time at the checkout and spend without their card.

Some banks have their own mobile wallets and others are partnered with Apple Pay, Samsung Pay or Google Pay. Check out our comparison of cards with contactless payments to weigh up your options.

What’s next?

Get more value from a credit card by comparing the latest offers and applying now. Or leave a question for us below if you want to know more!

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Credit Cards Comparison

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

Compare up to 4 providers

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

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