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Credit Card Companies in Australia

Check out Finder's comprehensive database of over 80 credit card companies to find the best one for you.

There is no perfect credit card company for everyone. A lot of it comes down to the actual features you want, rather than the name on the card.

But if you want to include the credit card company in your comparison, here's a look at different banks and brands in Australia – including the 4 biggest credit card providers.

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The Finder Credit Card Awards for 2023 recognise the best credit cards in Australia, with expert analysis of available products from 80 credit card companies. These awards cover personal and business cards, with categories including Best Low Rate Credit Card, Best Rewards Credit Card and Best Credit Card for Travellers.

➡️ Get details on all the categories and winners of the 2023 Finder Credit Card Awards.

Types of credit card companies in Australia

In Australia, you can get a credit card from a bank, credit union, co-operative, other financial provider or even a big-name brand such as Coles or Qantas.

Broadly speaking, there are 2 main ways a credit card company can be set up in Australia:

  1. Credit card issuers are financial organisations that are legally authorised to provide a credit facility. This includes most major banks and financial institutions in Australia, as well as their divisions or subsidiaries (which may have separate licences).
  2. A credit card brand can also partner with an issuer to offer credit cards under their name. For example, Coles, Virgin Money and Qantas Money credit cards have their own branding but are all issued by NAB.

Credit card companies in Australia

You can learn more about different credit card companies, as well as the cards they offer, by clicking on their names below.

Top 4 credit card issuers based on market share

If you're interested in the biggest banks or credit card companies, here are the 4 Australian credit card providers with the highest market capitalisation.

1. Commonwealth Bank

As well as being one of the Big Four banks in Australia, CommBank has the highest market capitalisation value at $193.04 billion. The Commonwealth Bank Group includes Bankwest, Colonial First State and CommSec (online stock broking). Commonwealth Bank credit cards include low-rate, low-fee, rewards, premium and business options.

2. NAB

Another of Australia's Big Four banks, NAB has over 8.5 million customers in Australia, New Zealand and across the world. Its market capitalisation is $99.32 billion. NAB credit cards include low-cost, rewards, premium, business and corporate options. It also issues Citi-branded credit cards, along with Coles, Qantas Money, Virgin Money, BOQ and other brands.

3. Westpac

Big Four Bank Westpac's credit card lending portfolio covers products from Westpac Banking Corporation, including St.George, Bank of Melbourne and BankSA. Its total market capitalisation is $82.46 billion. The range of Westpac credit cards include low rate, low fee, balance transfer and rewards options.

4. ANZ

Rounding out the Big Four banks on this list is ANZ, with a total market capitalisation of $79.89 billion. ANZ credit cards offer a mix of products, including rewards, frequent flyer, low-cost and premium cards for both personal and business use.

Want to know more about credit cards in Australia? Get up-to-date credit card statistics, including how many cards and how much debt Aussies owe.

Other factors to consider

  • The types of credit cards available. Ultimately, the right credit card company will offer a card with features you want. Keep in mind that even unfamiliar brands could offer you competitive rates, fees, rewards and perks.
  • Accessibility. If you want access to a branch, look for banks or brands with locations nearby. For mobile or phone banking, you could also check app store reviews or customer service ratings.
  • Rewards and other features. If you want a card that earns rewards, consider the value offered by different programs. And for other perks like complimentary travel insurance, check the requirements so you know you can get value from the card.
  • Fees. This includes the annual fee, foreign transaction fees, late payments, cash advances and any other charges on the bank or brands schedule of fees.
  • Other accounts. If you want to do all your banking with one provider, look at what other accounts are available and if there are any banking packages (such as if you get a mortgage and a credit card). Alternatively, the free Finder app lets you connect and view your accounts in one place.
  • Introductory offers. A new card with a 0% interest rate offer, bonus point, cashback or other perks can give you extra value when you sign-up.
  • Ethical values. If green banking is a priority for you, consider the investment details and any community support programs offered by the credit card company. You can usually find this information in the "About" and "Investor" sections of a bank or company's website.

Wondering what to do next? You could compare credit cards to get suggestions on cards that fit your goals, check out more credit card companies or compare some of the latest offers on Finder.

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