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Credit Card Comparison
We can help you find a credit card with bonus points, a low rate, $0 annual fee, a 0% balance transfer offer and more. Start comparing below.
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- Balance Transfer
- Frequent Flyer
- Rewards
- 0% Purchase
- No Annual Fee
- 0% Foreign Fees
- Low Interest
- Student
- Business
Comparing credit cards before you apply will help you to find one with the right balance of features, perks, and fees to suit your needs. Using the table below, you can explore a range of options and compare them side-by-side using the criteria that matter most to you.
Coles Credit Card - Exclusive Offer
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months on purchases and balance transfers
Offer ends 29 October 2020
Eligibility criteria, terms and conditions, fees and charges apply
Coles Credit Card - Exclusive Offer
Reward your spending with Flybuys points and save with 0% interest on balance transfers and purchases for the first 12 months.
- 0% on balance transfers and purchases for 12 months
- Ongoing $0 annual fee | 19.99% p.a. purchase rate
- Earn Flybuys point per $1 spent on eligible purchases
- Compatible with Apple Pay and Samsung Pay
Compare credit cards
To check out more details of each card side by side, click the box under the card images and then hit 'Compare'.
How to compare credit cards
Once you've decided you'd like to add a credit card to your wallet, there are a few simple steps you can follow to compare your options and find the right one for you.
- Decide how much you'll be able to pay off each month. The first step to comparing credit cards is being honest with yourself about whether or not you'll pay back the balance in full every statement period.
- If you will pay back your full balance each month, you can look for a card with some interest-free days and can consider other perks like rewards, frequent flyer points and insurance covers.
- If you won't pay your balance in full most of the time, look for a card with a low interest rate or flat monthly fee. This will save you money on interest and your debt won't grow as quickly.
- If you've got an existing credit card(s) or personal loan debt you want to pay off, balance transfer cards could be a good option. This will enable you to save on interest costs, simplify your payments and potentially save on annual fees, too.
- Choose a credit limit you can afford. Even if you're planning to pay back your full balance, a credit limit that's too high for your budget could get up getting you into trouble. When comparing cards look at the minimum credit limit, ensure it's within your budget, and then increase it later if you need to.
- Find the right balance of benefits. Credit cards offer a lot more than just a revolving line of unsecured credit. There are rewards, insurance, promotional offers, mobile payment compatibility and more. After you've determined what's most important, use the list below to compare individual features and narrow down your options.
Credit card comparison: what to look for
No matter what type of credit card you're looking for, it's important to understand all the key terms so that you can get one that works best for you. So, here are the key features you should look at when you compare credit cards.
| Fee or feature | Description |
|---|---|
| Annual fee | The amount you'll pay every year to keep the card and the account open (ranges from $0 to over $1,200). |
| Purchase interest rate | The interest rate charged for most purchases you make (usually 8.99% to 22% p.a.). |
| Interest-free period | The amount of days applicable to new purchases where interest isn't charged (usually from 45 to 55 days). |
| Balance transfer rate | The interest rate that applies to the balance you move onto the new card (usually 0% - 2.99% p.a.). |
| Balance transfer fee | If applicable, this one-time fee is charged when you move a debt to a balance transfer card. It's usually 1% - 3% of the amount transferred. |
| Cash advance rate | This rate is charged when you make an ATM withdrawal or cash-equivalent transaction. It is usually around 19.99% to 24.99% p.a. and is charged from the date the transaction is made. |
| Cash advance fee | A one-time fee that's charged when you make a cash-equivalent transaction. It's usually 2% - 3% of the total transaction, with a minimum dollar amount between $2 - $4. |
| International transaction fee | Applies when you make a transaction in a foreign currency – whether that's online or when you're overseas. It is usually 2% - 3.5% of the transaction value once it's converted to Australian dollars. |
| Other fees and charges | Keep an eye out for additional cardholder fees, printed statement fees, optional rewards program enrolment fees, card replacement fees or any other charges that you think will apply to you based on how you plan to use the card. |
| Introductory offers | Credit cards often come with promotional features and perks for new customers, such as introductory 0% interest rates, bonus points or waived annual fees in the first year. These types of deals can give you more value when you first get a new card, as long as you meet the offer requirements. |
| Rewards program | If you want to earn rewards for your credit card spending, pay attention to the type of rewards available. Some credit cards are linked to existing reward schemes, including Qantas Frequent Flyer, Velocity Frequent Flyer and the Coles Flybuys program. Others have their own rewards programs, such as ANZ Rewards or American Express Membership Rewards. |
| Insurance covers | Available insurance covers (if any) that are included with the card. Common types include travel and medical insurance, purchase protection insurance and extended warranty cover. |
| Other perks | Some of the most popular extras include airport lounge passes, flight and travel vouchers, concierge services, ticket and event offers, hotel discounts and status credits, discounts with retail partners and complimentary subscriptions. |
Example: choosing the right card
The right credit card will be different for every type of spender. We've broken down a few examples of common spending patterns and cardholders below. If one of those resonates with you, you can explore more about each type of credit card to kick-start your comparison.
Allison
Credit card spend per month:
$200 (small spender)
Pays balance in full every month?
Mostly, but not always
Travels?
Very rarely
Suggested card 1:
No annual fee
Allison doesn't use credit very often, so a no-frills card with a $0 annual fee might make sense. Since she doesn't spend enough to maximise any rewards points, she could look for a low cost card and ensure that the interest she'll pay outweighs the no annual fee savings.
Suggested card 2:
Low interest rate
A low rate credit card could save Allison money when she carries a balance. For example, a $200 balance paid off over 3 months on a 19.74% interest card would cost $6.62 in interest. The same balance on an 8.99% interest card would cost only $3 in interest.
Carl
Credit card spend per month:
$4,000 (big spender)
Pays balance in full every month?
Always
Travels?
Often, at least a few times per year
Suggested card 1:
Frequent flyer
A frequent flyer card could earn Carl some bonus points as well as 48,000 points over the course of the year. So long as he makes use of the features and points, a card with an annual fee of less than $960 would be of value (assuming $20 of value per 1,000 points).
Suggested card 2:
Rewards
If Carl flies with a few different airlines or prefers rewards other than flights, a rewards credit card could be of more value. Points can be redeemed for merchandise, gift vouchers, statement credits, charitable donations and more. These cards also often have bonus points.
Debbie
Credit card spend per month:
$2,000 (average spender)
Pays balance in full every month?
Rarely, balance carried for 2 years
Travels?
No
Suggested card 1:
0% balance transfer
If Debbie stopped spending and paid that $2,000 balance off over 2 years on a 19.74% p.a. card, it would cost $436.91 in interest. A 0% balance transfer for 24 months would save her that $436.91 and the same monthly payment means she'd pay off the debt in 20 months.
Suggested card 2:
0% purchase & balance transfer
If Debbie is unable to stop spending on her credit card, a 0% purchase and 0% balance transfer offer could give her the breathing room from interest charges that she needs to get on top of her debt. However, the 0% period would usually be shorter than a single offer.
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.
Back to topPictures: Shutterstock, Flat Icons
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