Credit Card Products

Compare credit cards by provider or bank to find the right card for you.

In Australia, there a number of organisations to choose from when comparing credit cards. To help assist your search, you can use this guide to compare these institutions and the credit cards on offer to find the right product for you.

You can find a list of Australian credit card issuers and banks below. When you click on the name of the organisation, you will be led to a comparison and overview of the credit card products on offer.


Compare credit card providers by alphabetical order

How to compare Australian credit cards

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As there are so many credit card products on the Australian market, it can be overwhelming to find the right one for you. You can ask yourself the following questions to help narrow down your comparison:

  • What fees and rates will I have to pay? The fees and interest rates you'll incur will vary depending on how you use the card, but some of the common costs you should compare include: annual fees, purchase interest rates, cash advance interest rates, balance transfer fees and late payment fees. See the product reviews on finder for a full list of the relevant rates and fees for a particular card.
  • What is the credit limit? The bank will base your credit limit on factors such as your income and credit history, but you should make sure that the card offers a credit limit that will support your finances without tempting you to overspend.
  • Are there any promotional offers? Some credit cards come with introductory offers, such as 0% on balance transfers, annual fee waivers or bonus reward points, which can give you extra incentive to apply. These offers can add extra value to the card, but make sure you understand the terms and conditions of the promotion before you apply.
  • Does the card come with extra features? As well as a line of credit, some credit cards offer extra features such as interest-free days, complimentary insurance, rewards or frequent flyer programs. These can also give your card extra value, but make sure the benefits of these features outweigh the costs of the card before you apply.
  • Do I meet the eligibility requirements? Credit cards come with specific eligibility requirements including minimum annual income, age, residential status and credit history. You can use the product reviews on finder to confirm you meet the eligibility requirements before you apply.

See our guide on how to apply for a credit card for more tips.

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Types of credit cards to compare

As well as considering the credit card provider, you can also base your card comparison on the type of credit card you're looking for. Whether you're hoping to earn reward points as you spend, take advantage of a promotional purchase rate to save on interest costs or a 0% balance transfer to consolidate your debt, here are some of the credit card types you can compare:

Balance transfer credit cards

A balance transfer credit card allows you to move your existing credit card balance to a new card with a low or 0% interest rate for a promotional period. These periods can sometimes last from 6 to 24 months, but will vary from card to card.

Once this introductory period ends, any remaining balances will start to collect the revert interest rate. Sometimes a one-time balance transfer fee will apply, but a 0% balance transfer credit card can help you save hundreds or thousands of dollars in interest depending on the size of your debt and your ability to repay before the promotion ends. You can

You can compare and learn more about balance transfer credit cards here.

Low purchase rate credit cards

If you're looking to save on interest costs while you spend, there are two types of credit cards that could come in handy. 0% purchase credit cards offer interest-free periods on purchases for a promotional period. The length of the promotional offer will differ depending on the card, but some can offer 0% for 6 to 18 months. Once the introductory period ends, the standard purchase rate will apply to any remaining balances.

To save on interest costs, you can also compare credit cards with low ongoing purchase rates. So, rather than offering 0% for a promotional period, these cards offer competitive purchase rates for the life of the card. These purchase rates usually range from 11% and 14%, but will vary from card to card.

The right low-interest option will vary on your spending behaviour and ability to repay, so make sure to compare your options.

No annual fee credit cards

If you want to save on card costs, you can compare credit cards with no annual fee. Some cards offer no annual fee for the life of the card, while others are waived for the first year or a promotional period.

Rewards and frequent flyer credit cards

If you're a regular credit card spender who often clears their balance in full each month, a rewards or frequent flyer credit card can help you get extra value from your credit card. Rewards credit cards allow you to earn points with your credit card provider's unique rewards program. These points can often be redeemed for cashback, gift cards, products from the online rewards store or can be exchanged for frequent flyer points with partnered programs.

On the other hand, frequent flyer credit cards are linked with a specific airline loyalty program. This means that you can earn points directly in your frequent flyer account as you spend.

These cards often come with bonus points offers and other travel perks that can help give the card extra value. Make sure to compare eligibility requirements, points earn rates and conditions, as well as the associated costs of the card before you apply.

Premium credit cards

Gold, platinum and black credit cards are suited to big spenders and high-income earners who want to get more from their credit card. The features vary between cards, but some cards offer high credit limits, competitive rewards programs, complimentary insurances, airline lounge passes and concierge services. These cards usually come with high annual fees and interest rates, so you should make sure that the product is affordable and that the extra features outweigh the cost.

These are just some of the credit card types available on the market. You can compare a more comprehensive range of credit card types here.


While there are plenty of banks and credit card providers to choose from, the right card for you will depend on your individual financial needs. Rather than applying for a card purely based on the issuer, make sure to compare your options to find the right card for you.

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33 Responses

  1. Default Gravatar
    TredgoldMarch 30, 2016

    I have a personal loan with a friend’s superannuation account costing me 10% interest. The loan period was over three years paying $500/month which is more than the agreed payment amount, I have one year left to pay out the loan. Is it possible to transfer this loan to a credit card with no interest?

    Thanks.

    • Staff
      MayApril 14, 2016Staff

      Hi Tredgold,

      Thanks for your question.

      I apologise for the delayed reply. At the moment, not too many credit card brands allow a balance transfer from personal loans to credit cards. But this feature is available on Citi and Virgin Money credit cards. Both of these brands have a pool of cards with balance transfer. Please feel free to compare your options here.

      I hope this is helpful.

      Cheers,
      May

  2. Default Gravatar
    MathijisJune 26, 2015

    How do you view transaction details?

    • Staff
      JonathanJune 29, 2015Staff

      Hi Mathijis, thanks for your inquiry!

      To allow me to assist you further could you please specify which bank/ lender has issued your credit card facility? Transaction details can be viewed on the online account/ website of the respective bank.

      Cheers,

      Jonathan

  3. Default Gravatar
    JohnMay 26, 2015

    Hi,
    I have to refund a MasterCard credit card from overseas, of which I have a number which was originally used to purchase a service through EFTPOS machine. Now I have to make refund to the account but I no longer have an EFTPOS machine as business has closed and machine returned. How do I refund the account?

    • Staff
      JonathanMay 27, 2015Staff

      Hi John, thanks for your inquiry!

      It would be best to contact the merchant who the transaction was completed with to request the refund. The necessary details required for the refund will be the credit card and cardholder details.

      Cheers,

      Jonathan

  4. Default Gravatar
    nadiaFebruary 25, 2015

    do you have a Singapore airline credit card?

    • Staff
      JonathanFebruary 25, 2015Staff

      Hi Nadia, thanks for your inquiry!

      For a list of Singapore Airline KrisFlyer credit cards please see this page.

      Cheers,

      Jonathan

  5. Default Gravatar
    AliJanuary 14, 2015

    can I make a loan online on card there are said me make that online because I wanna buy phone from dicksmith can u help me please.

    • Staff
      JonathanJanuary 16, 2015Staff

      Hi Ali,

      Thanks for your question!

      Just to clarify was your query about making an online purchase using a credit card?

      Generally an online retailer or store will have a payment facility which supports credit/ debit cards. For more information about making purchases online and things to look out for please see this page.

      I hope this has helped!

      Cheers,

      Jonathan

  6. Default Gravatar
    TonyJanuary 9, 2015

    Hi, I’m a student looking for a travel credit card (JAPAN). I only make about $25,000 a year though and am looking for the best possible deal. Thanks

    • Staff
      JonathanJanuary 12, 2015Staff

      Hi Tony,

      Thanks for your question,

      We have a page that compares credit travel cards, and debit travel cards with all available currencies listed on this page. Many cards include ideal features such as $0 Foreign Currency Conversion Fee, options to earn bonus points and travel insurance policies.

      I hope this has helped.

      Cheers,

      Jonathan

  7. Default Gravatar
    DannyDecember 10, 2014

    are there any cards available with long low interest payments on purchases and a rewards program?

    • Staff
      ElizabethDecember 11, 2014Staff

      Hi Danny,

      Thanks for your question.

      You can compare a range of rewards credit cards on this page, and by clicking the ‘interest rate’ heading on the table it will filter the results to show you the cards with the lowest interest rates, including those with 0% p.a. interest offers.

      I hope this has helped.

      Thanks,

      Elizabeth

  8. Default Gravatar
    whineryworks@gmail.comDecember 8, 2014

    I need info on my v-card

    • Staff
      ElizabethDecember 8, 2014Staff

      Hi,

      Thanks for your question.

      You can access details by logging into your online account via the VCARD website or by getting in touch with their customer service team. I’ve emailed you a link to their website.

      Thanks,

      Elizabeth

  9. Default Gravatar
    chrisMay 16, 2014

    I require a credit limit of 5000.00
    i need it urgently to pay the finance company,
    Autocash before they take my car.
    can you please help me on this..

    • Staff
      ShirleyMay 22, 2014Staff

      Hi Chris,

      Thanks for your question.

      Most credit card applications take about 2 weeks to be finalised, and the card is then sent to you.

      Otherwise, you may want to have a look at our same day personal loans page.

      Cheers,
      Shirley

  10. Default Gravatar
    ArvindMay 3, 2014

    When i type my address it ask contact ur credit card provider if this address is correct .so what should i do for this..

    • Staff
      ShirleyMay 7, 2014Staff

      Hi Arvind,

      Thanks for your question.

      The credit card issuer is usually the bank that supplies the credit card. For example, if you’re applying for a Commonwealth Bank credit card, then you’ll need to contact Commonwealth Bank to confirm your address.

      Cheers,
      Shirley

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