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Compare Credit Cards

Whether you want rewards, low rates, $0 annual fees or a 0% balance transfer offer, compare credit cards so you can find the right one for you.

Comparing credit cards lets you see a range of cards side-by-side before you apply. This can help you find the right credit card for your needs based on your spending habits, budget and specific card features or benefits.

Westpac Credit Card Offer

Westpac Low Rate Card

0% p.a. for 24 months on balance transfers
$0 annual fee for the first year

Offer ends 23 October 2018

Eligibility criteria, terms and conditions, fees and charges apply

Westpac Credit Card Offer

The Westpac Low Rate credit card features a long-term balance transfer offer, a first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($59 p.a. thereafter).
  • 13.49% p.a. on purchases
  • 0.00% p.a. for 24 months with 1% BT fee on balance transfers
  • Cash advance rate of 19.49% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $15,000 p.a.
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Compare the latest credit card offers

Rates last updated June 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
$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.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Reduced First Year Annual Fee and Bonus Points Offer*
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer*
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
$0 First Year Annual Fee & Bonus Points Offer
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
20.74% p.a.
0% p.a. for 18 months
$99 p.a. annual fee for the first year ($129 p.a. thereafter)
Exclusive Balance Transfer Card Offer*
finder Exclusive: Receive a long 18-month, 0% p.a., no fee balance transfer and earn Suncorp Rewards Points or Qantas Points per $1 spent.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
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 Offer*
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year.
HSBC Low Rate Credit Card
13.25% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$79 p.a.
Long-term Balance Transfer Offer*
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Platinum Credit Card with Balance Transfer Offer*
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$0 p.a.
Low Intro Balance Transfer Interest Rate with No Annual Fee
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Introductory Purchase Rate Offer*
Buy now and pay later with 0% p.a. interest on purchases for 14 months. Plus, 0% p.a. on balance transfers for up to 6 months.
American Express Westpac Altitude Platinum Bundle - Exclusive Offer
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
$0 First Year Annual Fee and Bonus Points Offer*
$0 first year annual fee & up to 90,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Low Purchase Rate & Balance Transfer Offer*
Offers a discounted annual fee, $100 cashback when you meet the spend requirement and 0% p.a. for 14 months on balance transfers.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
Bonus Points and Annual Fee Offer*
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
Low Rate Credit Card Offer*
A no-frills card with a first year annual fee waiver, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$199 p.a.
International Frequent Flyer Credit Card*
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$299 p.a.
80,000 bonus Qantas Points with Balance Transfer Offer
Get 40,000 bonus Qantas points each month (up to 80,000 pts) for the first 2 months when you spend at least $3,500. Plus, a long-term BT offer.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee & Balance Transfer Offer
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Bank of Melbourne Vertigo Platinum Card - Online Offer
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & Balance Transfer Offer*
Online only: Enjoy 0% p.a. interest for 24 months on balance transfers (with a one-time 1% BT fee). Plus, a $0 first year annual fee.

Compare up to 4 providers

stack-of-credit-cards

What types of credit cards can I compare?

Credit cards offer a wide range of features to suit different spending habits and goals. For example, if you want to pay off existing card debt, you could look at a card with a 0% balance transfer offer. Or, if you want to be rewarded for your spending, you could look at reward and frequent flyer cards.

Once you know what you want from a credit card, you can focus your search by comparing credit cards in a specific category. To help you get started, we’ve outlined the major credit card categories below.

Find the type of credit card you want


Balance transfer credit cards

If you have existing credit card debt, a balance transfer credit card can help you save on interest charges and pay off the debt faster by offering you a promotional low or 0% interest rate for an introductory period. After the promotional period has ended, any debt remaining from the transfer attracts a higher, standard interest rate.

To compare balance transfer credit cards, make sure you look at the length of the introductory period and any one-off balance transfer fees that may apply. You should also check the annual fee and the rate of interest applied to any debt remaining at the end of the introductory period. This will help you choose a card that works for you and make it easier to budget for repayments.

Rewards credit cards

Reward credit cards offer you points for every $1 spent on eligible purchases, including most everyday transactions. When you compare reward credit cards, make sure you consider the type of rewards program, what you can redeem with your points and the rate at which you earn rewards.

It's also important to look at the card's interest rates, annual fee and any complimentary extras, such as travel insurance or airport lounge passes. The goal with a rewards credit card should always be to get more value from it compared to what you pay in fees. So make sure you consider the dollar value of the rewards you'll get based on your average spending.

Frequent flyer credit cards

These cards are linked to popular airline loyalty programs – including Qantas Frequent Flyer and Velocity Frequent Flyer – and earn frequent flyer points per $1 spent on the card. Many frequent flyer credit cards also offer other travel benefits such as complimentary insurance, flight vouchers or airport lounge access. As with other reward credit cards, when you compare frequent flyer cards, you need to look at the reward program available, the amount of points you earn per $1 spent, the card fees and any complimentary extras to make sure it’s worth it for you.

No annual fee credit cards

These credit cards have a $0 annual account fee, which could save you hundreds of dollars. Some no annual fee credit cards only offer a $0 fee for the first year you have a card, while others have no annual fee for life. Make sure you consider both of these options when you compare no annual fee credit cards, so that you can choose one that offers the most convenient features and greatest savings for your circumstances.

Compare no annual fee credit card offers

Low interest credit cards

Low interest credit cards are Cdesigned to save you money when you carry a balance by offering a competitive rate of interest. Some of these cards may offer a promotional low or 0% interest rate for purchases, while others offer a low ongoing interest rate. If you regularly carry a balance, comparing low rate credit cards could help you save you hundreds or even thousands of dollars every year.

How much can I save with a low rate card?

To see how much value a low rate card offers, let’s compare a $1,000 debt on a credit card with an interest rate of 18% p.a. and a card with a lower rate of 12% p.a. If you only paid the minimum, it would take 7 years and 9 months to pay off the 18% p.a. card and would cost $861 in interest. With the low rate card, it would take 5 years and 10 months and cost $393 – that’s a saving of 1 year and 11 months and $468 in interest charges.

Student credit cards

If you're studying, you may want to get a credit card to help you manage your finances or build up credit history. Student credit cards typically have lower minimum income requirements and lower credit limits than other options, as well as basic features that can help you with cash flow. href="https://www.finder.com.au/credit-cards/student-credit-cards" target="_blank" rel="noopener">A student credit card can also be a good way to learn how credit cards work. When you compare student credit cards, make sure you consider the income requirements, credit limit and annual fees to find an option that is both flexible and affordable.

Business credit cards

Business credit cards are designed to help make financial management easier for a small business or company, with features such as additional credit cards for employees, individual pre-set spending limits and itemised statements. When you compare business credit cards, make sure you consider which extra features you want (including rewards programs) as well as the interest rates and fees so that you can get an option that’s affordable and convenient for your business.

Travel credit cards

You can use almost any credit card when travelling but some cards come with specialised features and benefits to help you save money on your trips. Depending on the card, you could get complimentary overseas insurance, domestic flight inconvenience insurance, car hire insurance, frequent flyer points, hotel offers, airport lounge access and no foreign transaction fees. To compare travel credit cards, make sure you consider how often you’ll use these features, as well as the ongoing card costs, so that you can find one that offers value for money and covers your travel needs.

Gold, platinum and black credit cards

Gold, platinum and black credit cards are premium options designed for bigger spenders. They offer higher credit limits and more additional benefits such as complimentary insurance, higher reward point earn rates and shopping and travel perks. It’s important to check the minimum income requirements when you compare gold, platinum and black credit cards, because they are usually higher than on standard cards. Also make sure you consider whether the benefits available will outweigh the cost of interest charges and annual fees – both of which may be higher on a premium credit card.

Other credit cards

compare-cards-online-250x250Most credit cards fall into one or more of the categories above. But if you’re looking for a specific feature, you can also compare credit cards listed in the following, smaller categories:

  • Cashback credit cards. This type of credit card rewards you with cashback or a credit on your account when you meet specific spending requirements. Some cashback credit cards offer a percentage back for each $1 you spend (similar to rewards credit cards), while others offer a fixed rate of cashback, usually as an introductory promotion.
  • 0% foreign fees. These credit cards don’t charge a fee for transactions made in an international currency or with an overseas retailer, potentially saving you 2% to 3.4% per purchase.
  • 0% purchase and balance transfer cards. Some credit cards offer 0% interest for both purchases and balance transfers. This can help you save money on both old and new credit card debt for a limited amount of time before standard interest rates kick in.
  • Credit cards with introductory offers. Many credit cards come with introductory offers, such as 0% interest, reduced or $0 annual fees and bonus points. These deals are designed to give you more value when you get a new credit card but it's still important to look at the ongoing features when you compare credit cards that include and introductory offer.
  • Credit union credit cards. The credit cards provided by credit unions typically offer competitive value through lower rates, fees and other features. Credit unions are also member-owned or co-operative, which means profits usually go back into the products and services on offer, as well as to community programs.
  • Debt consolidation credit cards. These balance transfer cards can provide you with an affordable option when you have several debts that you would like to combine and pay off on one account. Remember to check what debts are eligible when you compare credit cards in this category so that you can find one that allows you to transfer your existing balances onto the new card.

If you're interested in comparing other credit card options, you can also check out our exclusive credit card deals for the latest introductory and sign-up offers that aren’t available anywhere else.

How to compare credit cards

Regardless of the type of credit card you’re looking for, it’s important to consider a range of factors to find a card that’s right for you. So here are the key features you should look at when you compare credit cards.

Introductory offers

Credit cards often come with promotional features for new customers, which can add upfront value to the card you choose. Some of the most popular introductory offers include:

  • Bonus points
  • 0% balance transfer interest rates
  • 0% purchase rates
  • Reduced or $0 annual fees in the first year
  • Cashback, gift cards or flight vouchers

When you compare credit cards with introductory offers, make sure you look at the ongoing features to get a true sense of the value the card will provide in the long run. Also check the length of the introductory period and any other conditions you need to meet to claim the offer available. For example, a reward card offering bonus points might require you to spend a certain amount of money in the first few months you have it, while a balance transfer offer might only be available if you request the transfer at the time of your application.

Complimentary extras

Credit cards offer a wide range of complimentary features and benefits that can add value to the card you choose. Some of the most popular options include:

  • Travel insurance
  • Airport lounge passes
  • Flight and travel vouchers
  • Concierge services
  • Ticket and event offers
  • Purchase protection insurance covers

These perks can add up to hundreds of dollars of extra value, but only if you use them. When you’re looking at the complimentary extras during your credit card comparison, be realistic about whether or not you will be able to get value from these features so that they offset the cost of any fees.

Rewards programs

If you want to earn rewards for your credit card spending, pay attention to the type of rewards program available. Some credit cards have their own rewards programs, such as ANZ Rewards or American Express Membership Rewards. Others are linked to existing programs, such as Qantas Frequent Flyer, Velocity Frequent Flyer or the Coles flybuys program.

As well as deciding which rewards program you want, think about the amount of points you will need to redeem rewards and how often you will use your credit card. This will help you compare different credit cards and choose one with a rewards program that's right for you.

Rates and fees

choosing-a-credit-cardWhen you compare credit cards, the rates and fees will help you work out the overall cost of each option. Here are the key features to look at:

  • Annual fees

Credit card annual fees can range from $25 up to $700 or more. This fee is usually charged when you first activate your account, then once a year on the anniversary of your account activation.

When you’re comparing credit cards, think about what features will offset the cost of the annual fee so you can find one that is affordable for you. Remember some credit cards offer a $0 or lower annual fee in the first year, so check the ongoing features of the cards you compare to avoid any nasty surprises after the first year.

  • Purchase rate

This is the interest rate that’s charged for most of the transactions you make using your credit card. Standard purchase rates typically range from around 10% p.a. to 22% p.a. (variable) depending on the card you choose. If you regularly pay your balance in full, the purchase rate may not be a major concern, but if you think you’ll carry a balance, then choosing a card with a lower interest rate will help keep the cost down.

  • Interest-free days

Many credit cards offer you up to a certain number of interest-free days on purchases when you pay your account off in full for each statement period. This feature can help you to avoid interest charges during your statement period. Usually, interest-free credit cards will offer somewhere between 25 and 62 days on new purchases.

If you plan to pay off the balance in full for every statement cycle, it could be useful to look at the number of interest-free days available when you're comparing different credit cards. But remember that this feature won’t be much use if you carry a balance.

  • Cash advance rate

This interest rate is applied to “cash advance transactions” including ATM withdrawals, foreign currency exchange, bets and other gambling charges. It is usually around 19% p.a. to 22% p.a. (variable) and always applies from the time you make a cash advance transaction. While it’s a good idea to avoid making cash advances with a credit card, it’s important to consider this interest rate when you're comparing cards so that you know what the potential costs will be for these types of transactions.

  • Cash advance fee

As well as applying interest to cash advance transactions, credit cards charge a one-off fee. This is usually around 2% to 3.5% of the total transaction cost, and should be checked before you get a card or use it for a cash advance. As with the cash advance interest rate, it’s good to check this fee when comparing cards so you’re aware of the cost of cash advances for any option you choose.

  • Balance transfer rate

The balance transfer interest rate applies to existing debts that you move onto your new card. When you first get the card, you'll usually get an introductory low or 0% balance transfer interest rate for a set number of months. When this introductory period ends, a higher standard balance transfer rate applies. It’s important to check both the introductory rate and the standard rate when you’re comparing balance transfer credit cards so that you're aware of the costs that may apply over the short-term and the long-term.

Balance transfer fees

Some credit cards charge a one-off processing fee for balance transfers. This fee could be between 1% and 3% of the total debt you want to move to a new card. As not all cards apply this charge, it’s important to consider it when comparing balance transfer offers to make sure you find an option that’s affordable for you.

  • International transaction fee

Most credit cards apply a fee for transactions made in a foreign currency or with an overseas merchant. This fee usually adds 2% to 3.5% to international transactions. If you plan to travel with a credit card or want to use one to shop online with overseas retailers, it’s a good idea to look at cards that waive this cost or at least have a lower fee than other options you’re considering.

  • Late payment fee

Some credit card companies charge you a fee if you don’t make a payment by the due date on your statement. This charge ranges from $5 to $30 and will be added to your account balance if your payment is late. While you should always aim to pay your credit card off by the due date, checking this fee when you’re comparing credit cards can give you an idea of how each company treats late payments and you may want to factor this into your final decision.

  • Overlimit fee

If you max out your credit card, you could be charged a fee of around $10 to $30. It’s important to consider this cost when comparing different cards so that you know what penalties could apply for different options. It may also help you decide on a sensible credit limit when you apply.

  • Other fees and charges

Credit cards may charge a range of other fees for different features and services, including:

  • Additional cardholder fees
  • Printed statement fees
  • Optional rewards program enrolment (eg, for Qantas rewards)
  • Emergency card replacement

Make sure you consider these charges and when they could apply, so that you know what other potential costs you may have to pay for the card you choose.

From low rate and balance transfer options to rewards credit cards, super-premium platinum and black cards or those with no fees, there are credit cards available to suit almost anyone’s needs. Now that you understand more about the different factors that need to be considered, you can start comparing credit cards and apply for one that really works for you.

Pictures: Shutterstock

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Credit Card Offers

Important Information*
Westpac Low Rate Card
Westpac Low Rate Card

Interest rate

13.49

Annual fee

59
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

129
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99

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36 Responses

  1. Default Gravatar
    MarisaAugust 9, 2017

    Would it be possible to request a history of promotional deals, specifically those pertaining to interest free periods on purchases, that were available from the National Australia Bank (NAB) in March/April 2016?

    • finder Customer Care
      ArnoldAugust 9, 2017Staff

      Hi Marisa,

      Thanks for your inquiry.

      Yes, you may visit the nearest NAB office or call 13 22 65 to get a copy of your statement.

      Hope this information helped.

      Cheers,
      Arnold

  2. Default Gravatar
    RichardAugust 2, 2017

    What card offers the most Qantas points for a new credit card?

    • finder Customer Care
      RenchAugust 2, 2017Staff

      Hi Richard,

      Thanks for your inquiry.

      You can check this page for Qantas Frequent Flyer Credit Cards comparison. You may click the name of your preferred card to know more details and you may click the green “Go to site” button to submit an online application through their official site.

      Cheers,
      Rench

  3. Default Gravatar
    DDApril 21, 2017

    Which credit cards offer ApplePay?

    • finder Customer Care
      LouApril 21, 2017Staff

      Hi DD,

      Thanks for your question.

      You can compare credit cards with Apple Pay on this page.

      Cheers,
      Anndy

  4. Default Gravatar
    BecApril 2, 2016

    I’m new to this whole credit card thing but I’m after basically a small credit card amount for personal and emergency use. I’m curious for your advice as to what would be the best one to start off with?

    Cheers.

    • finder Customer Care
      SharonApril 4, 2016Staff

      Hi Bec, thanks for your inquiry.

      As a financial comparison service, we’re unable to recommend any specific product, service or strategy to our users as the ‘best’ option will always depend on the individual’s financial situation and needs. I would recommend you to compare different credit cards based on the offer provided and fees involved in conjunction with your financial situations and eligibility requirements.

      You may also refer to our tips to consider when applying for your first credit card.

      I hope this has helped.

      Sharon

  5. Default Gravatar
    JohnDecember 21, 2015

    Hi. I am searching for the best credit card that has NO capped frequent flyer points per month and also does not reduce the number of points per month after a certain $ amount is reached. Any suggestions?. Both Citi Emirates card and Virgin money cards are capping in March and April 2016 and I need to find an un-capped and unlimited card. Prefer someone linked to Velocity but will take Qantas points if no other choice. Thanks. John

    • finder Customer Care
      DebbieDecember 21, 2015Staff

      Hi John,

      Thank you for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend specific issuers, products or services.

      To compare credit cards with uncapped points and no expiry, please check this page.

      I hope this helps.
      Cheers,
      Debbie

  6. Default Gravatar
    WolfieJuly 17, 2015

    Does changing to a new credit card and transferring the balance reduce the interest rate?

    • finder Customer Care
      JonathanJuly 17, 2015Staff

      Hi Wolfie, thanks for your inquiry!

      Changing to a new balance transfer credit card can reduce the interest rate that you are currently paying. Please refer to the following link for 0% balance transfer credit cards.

      Cheers,

      Jonathan

  7. Default Gravatar
    ChrisMay 3, 2015

    Hi,

    I am under 457 visa can i apply for a card that states not for temporary resident?

    Many thanks

    Kind regards,
    Chris

    • finder Customer Care
      JonathanMay 4, 2015Staff

      Hi Chris, thanks for your inquiry!

      For more information on which lenders/ banks provide credit card services for 457 Visa holders please see this page.

      Cheers,

      Jonathan

  8. Default Gravatar
    LeahApril 24, 2015

    Considering a credit card; no other supplementary income – $1132 p/f. Child Support additional $399 a year. Low credit rating.

    Have looked at lenders page providing information in regards to lenders who do accept centrelink as a form of income but so far I am not getting the answers I’m looking for. Only looking for a low limit so not to overspend, easy to keep track of for emergencies.

    • finder Customer Care
      JonathanApril 30, 2015Staff

      Hi Leah, thanks for your inquiry!

      Generally with applying for a credit card, Centrelink benefits are handled on a case by case basis by banks/ lenders. The application requirements on each credit card provide an indicator to whether you are eligible to apply. For any further inquiries it is recommended to speak to the bank directly either through customer service centre or local branch. You may like to refer to the following link for more information on lenders who accept Centrelink benefits as a form of income and other loan options. Please also refer to this page for low interest rate credit cards.

      Cheers,

      Jonathan

  9. Default Gravatar
    SeanApril 13, 2015

    Can you suggest credit card issuers who will issue cards to discharged bankrupts?

    • finder Customer Care
      JonathanApril 14, 2015Staff

      Hi Sean, thanks for your inquiry!

      Unfortunately there are no credit card products directly targeted to discharged bankrupts. After being discharged from bankruptcy it can be ideal to assess your current credit rating/ score by undergoing a credit repair process, more information on this process can be found on this page.

      Cheers,

      Jonathan

  10. Default Gravatar
    harryMarch 11, 2015

    why do some credit cards have a fee of 1 to 2.5 balance transfer fee when others have nothing or is it hidden in fine print
    Regards

    • finder Customer Care
      JonathanMarch 11, 2015Staff

      Hi Harry, thanks for your inquiry!

      The balance transfer fee is unique to a lender’s terms and policies. For a list of credit cards that do not have a balance transfer fee please see this page.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated June 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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* 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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