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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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
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To check out more details of each card side by side, click the box under the card images and then hit 'Compare'.

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
0% Purchase & Balance Transfer Offers
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
0% p.a. for 30 months with 1.5% balance transfer fee
$0 annual fee for the first year ($199 p.a. thereafter)
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Qantas American Express Premium Card
20.74% p.a.
$249
100,000 Bonus Points & 50 Status Credits
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
ANZ Low Rate
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months
$64 annual fee for the first year ($129 p.a. thereafter)
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Up to 130,000 bonus Qantas Points & 75 bonus Status Credits
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
$500 e-voucher and Discounted First Year Annual Fee Offer
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129
0% Balance Transfer Offer & Annual Fee Refund
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 20 months with 1% balance transfer fee
$59
Long-Term Balance Transfer Offer & $200 Cashback
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$199 annual fee for the first year ($299 p.a. thereafter)
Balance Transfer Offer & 100,000 Bonus Points
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$49
0% Purchase Rate Offer
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Coles Rewards Mastercard - Exclusive Offer
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
$0 First Year Annual Fee & $100 off a Coles Supermarket shop
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
Citi Rewards Card - Flybuys Offer
21.49% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 annual fee for the first year ($149 p.a. thereafter)
75,000 Bonus Points & $100 Kmart eGift Card
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
ANZ Frequent Flyer Black
20.24% p.a.
20.24% p.a.
$425
120,000 Bonus Points & $200 back
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
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*The credit card offers on this page are chosen from a range of credit cards available to us and are not representative of all the products available in the market. The use of the terms "best" and "top" are not product ratings and are subject to our disclaimer. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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.

  1. 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.
  1. 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.
  2. 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 featureDescription
Annual feeThe amount you'll pay every year to keep the card and the account open (ranges from $0 to over $1,200).
Purchase interest rateThe interest rate charged for most purchases you make (usually 8.99% to 22% p.a.).
Interest-free periodThe amount of days applicable to new purchases where interest isn't charged (usually from 45 to 55 days).
Balance transfer rateThe interest rate that applies to the balance you move onto the new card (usually 0% - 2.99% p.a.).
Balance transfer feeIf 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 rateThis 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 feeA 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 feeApplies 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 chargesKeep 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 offersCredit 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 programIf 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 coversAvailable 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 perksSome 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

Shot of an attractive young woman drinking coffee while using a digital tablet at home

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

Father multi-tasking with son

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

Mature Business Woman At Cafe

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.

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