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.

Exclusive to finder.com.au - Citi Credit Card Offer

Citi Clear Platinum - Exclusive Offer

0% p.a. for 24 months
on balance transfers
with a one-time 1.5% balance transfer fee
Discounted $49 first year annual fee

Offer ends 30 September 2018

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - Citi Credit Card Offer

Exclusive to finder, save with a reduced annual fee for the first year and a 0% balance transfer offer for up to 24 months.

  • $49 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 14.99% p.a. on purchases
  • 0% p.a. for 24 months with 1.5% BT fee on balance transfers
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare credit cards

Rates last updated July 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Reduced First Year Annual Fee & Balance Transfer Offer*
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
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.
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.
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).
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.
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.
NAB Low Fee Platinum Card - Exclusive Amazon Offer
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Cashback & Balance Transfer Offer*
finder Exclusive: 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
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 $49 annual fee, up to $100 cashback when you make a purchase within 3 months and 0% p.a. for 14 months on balance transfers.
American Express Westpac Altitude Platinum Bundle - Qantas
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).
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.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 26 months with 2.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 26 months Balance Transfer Offer*
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
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.
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.
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.

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 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 to 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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Credit Card Offers

Important Information*
Citi Clear Platinum - Exclusive Offer
Citi Clear Platinum - Exclusive Offer

Interest rate

14.99

Annual fee

99
Qantas Premier Everyday
Qantas Premier Everyday

Interest rate

19.99

Annual fee

49

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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 July 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
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 & up to 90,000 bonus Altitude Pts when you meet T&C with this Visa (issued by Westpac) & Amex (issued & serviced by Amex).
NAB Low Fee Platinum Card - Exclusive Amazon Offer
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
finder Exclusive: 10% cashback with amazon.com.au for 12 months (capped at $25 per month). Plus, 0% p.a. on balance transfers for 24 months.
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)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.

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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