The best credit card for you might be a super cheap card with no annual fee. Or it could be a card that gives you tons of frequent flyer points. Everyone is looking for something slightly different. So Finder's experts have searched for the best credit cards on the market in 11 different categories.
The top picks were updated by our team of credit card experts and reviewed by money editor Richard Whitten in December 2025.
Want to see more of the best credit cards on the market? Check out Finder's 2025 Credit Card Award winners. These cards were the top scoring cards consistently over 12 months.
And here they are.
If you've got some unpaid credit card debt and you want to sort it out, a balance transfer option is a really good idea. The top offer on the market right now is the Heritage Bank Gold Low Rate credit card. This gives you a 0% interest for 12 months on your unpaid card balance.
This helps you pay off that debt in 12 months with no extra interest charges on top. And there's no balance transfer fee and no annual fee.
So, it's really a really cheap way to pay off that debt. Now, there are some balance transfer cards that give you 24 months, which is double the time to pay it off at 0%. But those cards do charge a balance transfer fee of around 2 or 3% of your balance.
So longer time but higher fees.
If you want to earn Qantas Points right now the top scoring offer on Finder is the A&Z frequent flyer black credit card. This card always
scores very highly.
It was also a finder award winner and right now it gives you 130,000 bonus Qantas points if you meet the spending and eligibility criteria in the first few months plus $200 back on the card which is a really really strong
offer.
It does have a higher annual fee at $425 but you get a lot of value out of the card that really should offset that fee. If you want to earn velocity points right now the top velocity card is the American Express Velocity Platinum card.
This card gives you up to 60,000 bonus velocity points if you meet the spending criteria in the first few months. And it also gives you 100 bonus
status credits, which is a pretty compelling offer, and the annual fee is $440.
In the rewards space, the top card right now is the A&Z Rewards Black Card. This card gives you up to 180,000 A&Z rewards points plus $100 back on the card for a $375 annual fee.
And lastly, if you want a low rate credit card, the GNC Mutual Bank low rate Visa credit card is the top scoring offer right now. It has a
purchase rate of 7.49%, a $50 annual fee, and it gives you 50 days interest free on your spending. So, a really strong offer.
So, there you have it. The best credit cards on the market right now. You can compare all these cards and more great offers right
now at Finder.
"If you use a credit card properly, it's a great way to manage your spending, earn reward points or get your existing card debts under control with a balance transfer. But if you find you're struggling to pay it off and getting charged interest, it's time to reavaluate how you're using the card - and whether you need it at all."
The best credit card is the one that works best for you. So what are you looking for?
"When I first moved to Australia 9 years ago, I took out an Amex card that earned Velocity Points and gave me a solid earn rate of 1.2 points per dollar spent. The card had an annual fee of $375, but the 2 free lounge passes, free return domestic flight and 120,000 bonus points more than covered that fee. After Virgin halted many of its international flights – especially to LAX – I switched to a card that earns Qantas Points. I shop at Woollies a lot, so I can convert my Everyday Rewards Points to Qantas Points. "
We've looked at the best credit cards in this guide. But what are the best credit card brands? What do actual customers have to say about the cards they use?
The Finder Customer Satisfaction Awards surveyed hundreds of Australians about the credit card brands they trust and love the most.
Here are the results:
| Bank | Overall satisfaction | Trustworthy/reliable |
|---|---|---|
 | ★★★★★ 4.60/5 | 100% |
 | ★★★★★ 4.57/5 | 97% |
 | ★★★★★ 4.30/5 | 94% |
 | ★★★★★ 4.27/5 | 97% |
 | ★★★★★ 4.19/5 | 97% |
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