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 options side-by-side before you apply. This can help you find a credit card with the right balance of features, perks and fees to suit your needs.

Virgin Money Credit Card Offer

Virgin Australia Velocity Flyer Card - Annual Fee Offer

0% p.a. for 18 months on balance transfers
Ongoing $50 p.a. annual fee

Offer ends 30 September 2019

Eligibility criteria, terms and conditions, fees and charges apply

Virgin Money Credit Card Offer

Receive up to 30,000 bonus Velocity Points when you meet the spend requirement. Plus, save with an ongoing $50 annual fee and a long-term balance transfer offer.

  • $50 p.a. annual fee.
  • 20.74% p.a. on purchases
  • Cash advance rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare credit cards

Rates last updated September 23rd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months. Plus, complimentary lounge passes.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
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 Rewards Platinum Credit Card - Exclusive Offer
0% for 13 months, reverts to 20.99% p.a.
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$45 p.a.
Take advantage of 0% p.a. for 18 months on balance transfers, plus a low variable purchase interest rate of 11.99% p.a. on purchases.
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 70,000 bonus Velocity Points (20,000 points when you spend $1,500/month in the first 3 months plus 10,000 points after the first anniversary).
St.George Vertigo Classic - Exclusive Offer
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
20.99% p.a.
0% p.a. for 26 months with 1.5% balance transfer fee
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 first year annual fee.
St.George Vertigo Platinum
12.99% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features a long-term 0% balance transfer offer, $49 first year annual fee and access to a 24/7 personal concierge service.
Citi Rewards Platinum Credit Card
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)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
St.George Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 6 months
$99 p.a.
Earn 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
BOQ Low Rate Visa Credit Card
13.49% p.a.
0% p.a. for 14 months
$55 p.a.
A no-frills card offering 0% on balance transfers for the first 14 months with no balance transfer fee. Plus, a competitive purchase interest rate.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
ANZ First
20.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 55 days interest-free on purchases.
HSBC Platinum Credit Card
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$129 p.a.
0% p.a. on purchases and balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
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 up to 120,000 bonus Qantas Points. Get 90,000 when you spend $3,000 on eligible purchases in the first 60 days and 30,000 after 12 months.
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
Westpac Altitude Platinum Card - Qantas
20.49% p.a.
$200 p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, complimentary insurances and a personal concierge.
St.George Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 6 months
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Get 90,000 bonus Qantas Points when you spend $4,000 in 90 days and 2 complimentary Qantas Club lounge invitations per year.

Compare up to 4 providers

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. Here are six of the most popular options.

  • Balance transfer credit cards. These cards offer you a low or 0% promotional interest rate when you move your existing credit card debt onto the new account. This can help you save on interest charges and pay off the debt faster.
  • Frequent flyer credit cards. Compare credit cards that offer thousands of bonus frequent flyer points through introductory offers, as well as points per $1 spent on your everyday, eligible purchases.
  • Reward credit cards. Earn points for your spending and redeem them for travel, gift cards, merchandise and more with a reward credit card.
  • Low rate credit cards. Designed to help you save on interest charges as you spend, these credit cards offer a lower standard variable interest rate for purchases compared to other options.
  • No annual fee credit cards. Save on your ongoing card costs by getting a credit card that offers no annual fee for life or for the first year.
  • 0% purchase rate credit cards.These credit cards can help you save on new purchases by offering you a 0% interest rate for the first few months you have the card. After this introductory period ends, the card's standard interest rate applies to any balance from your purchases.

Other types of credit cards

Here are some of the other credit card categories you can consider when comparing different options.

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.

comparing credit cards

How to compare credit cards

No matter what type of credit card you’re looking for, it’s important to consider a range of factors so that you can get one that works 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 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.

Complimentary extras

Credit cards offer a wide range of complimentary features and benefits that you can use to get more value from the account.

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 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.

As well as deciding which rewards program you want, think about how often you'll use the card and the amount of points you need to redeem rewards. This will help you compare different rewards credit cards so you can find one that works for you.

Rates and fees

Rates and fees help you work out the overall cost of each credit card you compare. Here are the key details to consider:

  • 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. 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 by the due date on each statement. This feature can help you avoid interest charges during your statement period. But remember that this feature won’t be much use if you carry a balance from month to month.

  • Cash advance rates and fees

If you use your credit card to withdraw cash from an ATM, buy gift cards, pay for gambling transactions or for any other payment classified as a “cash advance”, you'll be charged a cash advance fee worth around 2% to 3.5% of the transaction cost. You'll also usually pay a cash advance interest rate of around 19% p.a. to 22% p.a. (variable) from the date of the 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.

  • 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-time 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 fees

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.

  • 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.

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40 Responses

  1. Default Gravatar
    MartinaApril 18, 2019

    I just need a card to purchase something overseas because I don’t know how to bank online and I don’t trust it. I had use a card before that I bought from a petrol station. I forgot the name of the card. Can you help please thanks for your help?

    Martina

    • Avatarfinder Customer Care
      JeniApril 23, 2019Staff

      Hi Martina,

      Thank you for getting in touch with Finder.

      I’m afraid that I am unable to provide further info on that particular card you got from a petrol station however, you may go through this page about purchasing fuel voucher/gift card. You may also check out our guide to fuel cards to learn more about how these cards work and to compare your options.

      If you consider getting a travel card, you may compare your options on this page. Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    MaxFebruary 10, 2019

    Need. A credit card that will accept my 218 credit score

    • Avatarfinder Customer Care
      JohnFebruary 11, 2019Staff

      Hi Max,

      Thank you for reaching out to finder.

      A secured credit card requires a security deposit before you can begin making charges. That security deposit acts as your credit limit. Although that may sound like a debit card or prepaid card, the secured credit card will report your payment history to the credit bureaus, which debit and prepaid cards do not do. After a year or so of using a secured card, you may be able to upgrade to an unsecured account and get your deposit back. You may click the link below to be routed to our page on secured credit cards and how it would help you build back your credit. Hope this helps!

      https://www.finder.com.au/secured-credit-cards

      Cheers,
      Reggie

  3. 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?

    • Default Gravatar
      ArnoldAugust 9, 2017

      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

  4. Default Gravatar
    RichardAugust 2, 2017

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

    • Avatarfinder 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

  5. Default Gravatar
    DDApril 21, 2017

    Which credit cards offer ApplePay?

    • Avatarfinder Customer Care
      DeeApril 21, 2017Staff

      Hi DD,

      Thanks for your question.

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

      Cheers,
      Anndy

  6. 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.

    • Avatarfinder 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

  7. 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

    • Avatarfinder 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

  8. Default Gravatar
    WolfieJuly 17, 2015

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

    • Avatarfinder 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

  9. 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

    • Avatarfinder 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

  10. 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.

    • Avatarfinder 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

Credit Cards Comparison

Rates last updated September 23rd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
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 up to 120,000 bonus Qantas Points. Get 90,000 when you spend $3,000 on eligible purchases in the first 60 days and 30,000 after 12 months.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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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