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Compare credit card types

Shopping for a credit card? Compare the nine different card types available and find the right one for you.

There’s a wide array of credit cards in the Australian market for you to choose from. While this means plenty of choice, it also means that it can be difficult to choose one option.

If you’re struggling to decide which type of card is right for you, use this guide to weigh up the key features, benefits and costs of the different types of credit cards.

No annual fee credit cards

The name says it all: no annual fee credit cards don’t charge a yearly account fee. While this can help you save money on credit card costs, it’s worth noting that these cards often have high standard purchase rates. This means you shouldn’t carry an outstanding balance on a card like this. If you rarely use your credit card or save it for emergencies, a no annual fee credit card could be a worthwhile option to consider.

While some cards come with no annual fee for the life of the card, others only offer the $0 annual fee for a promotional period (such as 12 months). Once the promotional period ends, the standard annual fee will apply. Make sure you understand the conditions of the no annual fee before you apply for the card.

Who are no annual fee credit cards suited to?

If the card has a lifetime no annual fee feature, it usually means a higher interest rate, which would be suitable for people who always pay their account balance on time and in full. This card type is also appropriate for you if you rarely use your card and only want to keep one for emergencies or the occasional need. Meanwhile, promotional no annual fee offers work best for people who don’t intend to keep the card beyond its promotional “no annual fee” period.

Compare no annual fee credit cards

Rates last updated July 29th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 14 months
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
American Express Essential®  Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
ANZ Platinum Credit Card - Exclusive Offer
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
BankSA Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 18 months
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive up to 55 days interest-free on purchases, platinum concierge service and extended complimentary insurance cover.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
CUA Low Rate Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
11.99% p.a.
0% p.a. for 13 months
Receive up to 55 days interest-free on purchases and the ability to use Apple Pay and Android Pay.

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Compare no annual fee credit cards here

Low interest rate credit cards

While the average credit card interest rate is around 17-18% (and can be as high as 22% p.a.), low interest rate credit cards offer rates as low as 9.99%. Some cards even offer 0% interest for an introductory period, which reverts to the standard rate when the promotion ends. So if you have some purchases in mind and know you struggle to repay your balance each month, this card could help you save on high costs.

Please note that this rate usually only applies to purchases, so cash advances, balance transfers and other transactions will accrue a higher rate. Most low interest cards also charge an annual fee, so you’ll want to make sure the cost of the card doesn’t outweigh the interest savings.

Who are low interest rate credit cards suited to?

If you usually struggle to pay your balance in full each month, a low interest rate credit card could help you save on the interest you would usually pay. If you have a purchase in mind (such as furniture, electronics or airfares), a low interest rate card could help you repay the cost without accruing interest fees. As low interest cards rarely come with extra premium features, it is a good option for those who are looking for a no-frills card to help manage their cash flow.

Compare low interest rate credit cards

Rates last updated July 29th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Receive an annual fee discount in the first year and the ability to make contactless payments with Visa payWave technology.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Offers a low $500 minimum credit limit, special offers from Visa Entertainment and Tap and Pay capabilities.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
Manage and secure your card with the free Bendigo Bank Protect+Pay app and add an additional cardholder for $0.
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Add additional cardholders for $0 and pay using Apple Pay. Also enjoy exclusive offers with the home&Away Privilege Program.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0 and has Mastercard PayPass.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 18 months
A no-frills Visa with the protection of a zero liability policy and the 24/7 Falcon® Fraud service. Plus, a discounted annual fee in the first year.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 31 July 2017, save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Take advantage of the optional insurance coverage of CreditShield Edge. Plus, enjoy the convenience of contactless payments with Visa payWave.
CUA Low Rate Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
0% p.a. for 13 months
Offer a low minimum credit limit of $500, the ability to use Apple Pay and Android Pay and a discounted annual fee for the first year.

Compare up to 4 providers

Learn more about low interest rate credit cards here

Balance transfer credit cards

A balance transfer refers to when you transfer an existing debt that is accruing high interest from one or more credit accounts to another credit card with a 0% promotional balance transfer rate. While the 0% balance transfer is in place, you can consolidate and pay off your debts without the cost of interest.

These promotional rates are only in place for an introductory period (of usually 6 to 20 months) and will revert to a higher rate (usually the standard purchase or cash advance rate) when the promotion ends. While you’ll only be required to pay the minimum repayment each month, it’s important to pay as much as you can each statement period to pay off your balance before the promotional period ends. Otherwise, any remaining debt will continue to grow as it starts to attract the revert rate.

Who are balance transfer credit cards suited to?

A balance transfer credit card can be a useful tool for cardholders who are looking to consolidate and pay down their debt without the cost of interest. As these promotional purchases are restricted by the length of the promotional period, balance transfers are good for cardholders who want to pay off their debt before a deadline.

If you’re planning to make purchases with your card, a balance transfer credit card isn’t for you. As repayments are allocated to whichever balance is collecting the highest interest, your repayments will go to purchases first if they’re accruing the standard rate. If a promotional balance transfer rate is in place, you should really concentrate on paying off that debt rather than using the card for purchases and racking up more debt.

Compare 0% balance transfer credit cards

Rates last updated July 29th, 2017.

American Express Explorer® Credit Card

Bonus points offer changed from 50,000 to 100,000, which is valid until 2 October 2017.

July 4th, 2017

NAB Premium Card - Exclusive Offer

A new exclusive offer of 0% p.a. for 24 months on balance transfers which is valid until 31 August 2017

July 17th, 2017

BankSA Vertigo Visa

Balance transfer period changed from 14 months to 18 months.

July 21st, 2017

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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
0% p.a. for 24 months 19.74% p.a. $90 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
0% p.a. for 20 months 12.74% p.a. $99 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Offers a long-term balance transfer. Earn extra points on eligible international spend, plus complimentary travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
0% p.a. for 14 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
0% p.a. for 22 months with 2% balance transfer fee 19.99% p.a. $99 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
Get a range of complimentary insurance covers, access to a 24/7 concierge and up to 55 days interest-free on purchases.
0% p.a. for 20 months 12.74% p.a. $99 p.a. Go to site More info
BankSA Vertigo Visa
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
0% p.a. for 18 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
NAB Low Fee Card
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
0% p.a. for 16 months with 2% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info

Compare balance transfer credit cards here

Rewards credit cards

Rewards credit cards let you earn points as you spend, which you can then redeem for rewards including flights and frequent flyer points transfers, hotel accommodation, gift cards and shopping vouchers, lifestyle products and entertainment events. Many of these cards also come with travel and lifestyle perks tailored for frequent travellers, including airport lounge access and complimentary travel insurance.

Rewards cards usually charge a premium, such as higher interest rates and annual fees, for these benefits. This makes it important to consider whether or not the value of the rewards you earn will offset your card costs. Also bear in mind the points caps and point expiry conditions that apply to some of these cards.

Who are rewards credit cards suited to?

Rewards credit cards are most suitable for people who charge a lot of expenses to their credit cards, but who are disciplined enough to pay off their account balances monthly. The high spending requirements of most of these cards also make them better suited to people who are high-income earners, big spenders and genuinely geared towards earning and redeeming rewards.

Compare rewards credit cards

Rates last updated July 29th, 2017.

American Express Explorer® Credit Card

Bonus points offer changed from 50,000 to 100,000, which is valid until 2 October 2017.

July 4th, 2017

American Express Platinum Business Card

A new 120,000 bonus Membership Rewards points offer, which is valid until 2 October 2017.

July 5th, 2017

Suncorp Clear Options Platinum Credit Card - Exclusive Offer

Balance transfer and annual fee offer has been extended until 31 January 2018.

July 28th, 2017

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
NAB Rewards Platinum Card
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening. 50,000 bonus points 1 $195 p.a. Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
Qantas American Express Ultimate Card - Online Offer
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year. 100,000 bonus points 1.5 $450 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent. 60,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent. 0.66 $129 p.a. Go to site More info
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance. 100,000 bonus points 0 1.5 $375 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Apply by 31 July 2017 and consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
Citi Rewards Platinum Credit Card
Citi Rewards Platinum Credit Card
Apply by 31 July 2017 and consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges. 1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within first 3 months and complimentary travel insurance.
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within first 3 months and complimentary travel insurance. 75,000 bonus points 2 $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year. 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances. 1 0 $99 p.a. Go to site More info
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Until 31 January 2018, exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
Until 31 January 2018, exclusive to finder, receive a long-term, no fee balance transfer and earn up to 1.25 Suncorp Rewards Points per $1 spent. 1.25 $99 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

Compare rewards credit cards

Frequent flyer credit cards

Frequent flyer credit cards are a type of reward credit card that is linked to a specific frequent flyer program, such as Qantas Frequent Flyer or Velocity Frequent Flyer. These cards strictly earn and redeem that program’s rewards points.

Depending on the frequent flyer program, your redemption possibilities with this type of credit card are similar to other rewards cards: you may use your points for flights and seat upgrades, to book hotel stays and car rentals, or exchange them for gift cards, shopping vouchers, electronics or other products. These cards may also have other perks associated with the airline, such as lounge passes, priority check-in or complimentary upgrades.

Who are frequent flyer credit cards suited to?

This type of card is most appropriate if you are a frequent flyer and have a preferred airline you’d like to be able to fly with using points. Just as with rewards credit cards though, frequent flyer credit cards generally come with high annual fees and interest rates, so you should get this type of card only if you’ll benefit from the perks and can be disciplined to pay your monthly balance in full.

Compare frequent flyer credit cards

Rates last updated July 29th, 2017.

ANZ Frequent Flyer Black

75 Bonus Status Credit offer has been extended until 30 September 2017.

June 20th, 2017

HSBC Platinum Qantas Credit Card

60,000 bonus points offer has been extended until 31 August 2017.

June 29th, 2017

Westpac Altitude Black

80,000 bonus points offer and $200 annual fee discount for the first year have been extended until 26 October 2017.

June 29th, 2017

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year. 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
Qantas American Express Ultimate Card - Online Offer
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year. 100,000 bonus points 1.5 $450 p.a. Go to site More info
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
American Express Velocity Platinum Card
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance. 100,000 bonus points 0 1.5 $375 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. 50,000 bonus points 0.75 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent. 0.66 $129 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months. 75,000 bonus points 1 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Platinum
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance. 40,000 bonus points 1 0 $99 p.a. Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
American Express Essential®  Credit Card
American Express Essential® Credit Card
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership. 1 $0 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent. 60,000 bonus points 1 0 $199 p.a. Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
Bank of Melbourne Amplify Signature - Amplify Qantas
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes. 60,000 bonus points 0.75 0 $279 p.a. Go to site More info

Compare frequent flyer credit cards here

Gold, platinum and black cards

These cards represent an elite subset of credit cards catering to the higher income demographic. They have higher minimum credit limits and offer more luxury benefits, such as travel insurance, business class lounge access, concierge services, or higher reward point earning rates. They also charge higher annual fees in exchange for these benefits. As premium options, the eligibility criteria for gold, platinum and black credit cards are stricter when it comes to your credit score and minimum income requirements.

Who are gold, platinum and black credit cards suited to?

These cards can be ideal for you if your yearly income meets their approval requirement, and if you’re a frequent traveller looking to ramp up your points-earning potential and enjoy some complimentary extras at the same time. Since they usually also charge high interest rates, this type of card is probably not for people who wish to carry a balance from month-to-month.

Compare gold, platinum and black credit cards

Rates last updated July 29th, 2017.

American Express Platinum Business Card

A new 120,000 bonus Membership Rewards points offer, which is valid until 2 October 2017.

July 5th, 2017

NAB Premium Card - Exclusive Offer

A new exclusive offer of 0% p.a. for 24 months on balance transfers which is valid until 31 August 2017

July 17th, 2017

Suncorp Clear Options Platinum Credit Card - Exclusive Offer

Balance transfer and annual fee offer has been extended until 31 January 2018.

July 28th, 2017

View latest updates

Jonathan Choi Jonathan
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
0 0 $90 p.a. Go to site More info
HSBC Platinum Credit Card
Take advantage of a 0% p.a. for 22 months on balance transfers offer with a 2% p.a. balance transfer fee.
1 0 $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Platinum
Take advantage of a 0% p.a. for 20 months on balance transfers offer with no balance transfer fee.
0 0 $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Enjoy complimentary membership to the Qantas Frequent Flyer program and international travel insurance.
1 0 60,000 bonus points $199 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0 0 $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Rewards Platinum Card
Earn double reward points when the minimum required spend is met and enjoy 0% p.a. on balance transfers for 6 months.
1 50,000 bonus points $195 p.a. Go to site More info
Citi Rewards Platinum Credit Card
Apply by 31 July 2017 to enjoy a long-term balance transfer offer of 0% p.a. for 24 months with a 1.5% balance transfer fee.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Receive a complimentary Virgin Australia return Economy domestic flight each anniversary year and complimentary travel insurance.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
NAB Low Rate Platinum Card
Take advantage of a 0% p.a. for 16 months on balance transfers. Plus, the protection of 7 complimentary insurances.
$100 p.a. Go to site More info

Compare gold, platinum and black credit cards here

Student credit cards

Student credit cards are designed specifically for people studying at an accredited university or educational institution. They usually have low annual fees that may be waived completely if you meet the eligibility requirements. As students usually don’t have high incomes, these cards typically offer low credit limits, which could start from as little as $200. Also, if you don’t meet the income requirement, you will need a cosigner to bear the liability for any debt you might fail to repay.

Who are student credit cards suited to?

Student credit cards are perfect for students who want more flexibility with their cash flow or who want to start building up good credit history. These cards can be a great way to practise money management and can give you access to extra freebies like purchase protection and extended warranties on purchases.

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Rates last updated July 29th, 2017.

ANZ Low Rate

$100 cashback and intro purchase rate have been discontinued. New BT offer of 0% p.a. for 16 months.

March 15th, 2017

Citi Simplicity Card

Intro BT period changed to 6 months and 10% cashback offer on purchases, valid until 31 Aug 2017.

May 23rd, 2017

NAB Low Rate Credit Card

Balance transfer period changed from 18 to 16 months, and is valid until 1 October 2017.

June 1st, 2017

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ First Student Card
An ideal credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
13.99% p.a. 0% p.a. for 16 months with 2% balance transfer fee $59 p.a. Go to site More info
HSBC Low Rate Credit Card
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Go to site More info
Citi Simplicity Card
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Go to site More info
Citi Clear Platinum
A platinum card with benefits including complimentary insurance, a 24-hour concierge service and Citi World privileges.
14.99% p.a. $99 p.a. Go to site More info

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Business credit cards

Business credit cards are tailored for businesses, with features that are designed to keep track of company expenses, manage cash flow and maximise rewards earning. Business credit cards essentially operate the same way as personal credit cards with credit limits, annual fees and interest rates, except they come with specific features to aid business management.

These features include the ability to customise spending limits on different employee cards, the ability to track expenses, as well as complimentary analytics tools designed to help with business reporting and budgeting. Some business credit cards also give you the ability to earn rewards for your spending.

Who are business credit cards suited to?

If you run a business, this can be an ideal way to stay abreast of business expenses and streamline your accounting processes. As with personal credit cards, there are a number of different types of business credit cards, so you should compare them before choosing the most appropriate one for your business.

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Rates last updated July 29th, 2017.

American Express Gold Business Card

10,000 bonus Membership Rewards points offer has been extended.

February 4th, 2016

American Express Platinum Business Card

A new 120,000 bonus Membership Rewards points offer, which is valid until 2 October 2017.

July 5th, 2017

View latest updates

Jonathan Choi Jonathan
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
Commonwealth Bank Business Gold Awards Credit Card
Earn up to 2 Awards points per $1 spent, receive an unsecured credit limit of up to $50,000 and up to 55 days interest-free on purchases.
VISA/MC: 1 AMEX: 0.5 3 months $150 p.a. Go to site More info
American Express Gold Business Card
Take advantage of no pre-set spending limit, data that feeds to MYOB accounting software and up to 51 days interest-free on purchases.
10,000 bonus points VISA/MC: 0 AMEX: 1 N/A $169 p.a. $24,000 Go to site More info
American Express Platinum Business Card
Enjoy a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and luxury hotel benefits.
120,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
The flexibility of a Mastercard and an American Express, plus the ability to directly transfer your points to Qantas frequent flyer.
N/A $60 p.a. Go to site More info
ANZ Business Black
Offers premium features including uncapped rewards, travel benefits and tools to manage your business expenses. $150 per additional card.
1 3 months $450 p.a. Go to site More info
American Express Velocity Business Card
Easily download expenses into business and account management software, plus receive two Virgin Australia lounge passes per year.
1 N/A $249 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
Earn up to 3 Awards points per $1 spent and receive complimentary travel and unauthorised transaction insurances.
VISA/MC: 1 AMEX: 0.5 6 months $300 p.a. Go to site More info
American Express Business Card
Consolidate your business expenses and extend your cashflow with up to 51 interest-free days on purchases.
VISA/MC: 0 AMEX: 1 N/A $109 p.a. $24,000 Go to site More info
Commonwealth Bank Business Awards Credit Card
A low fee business rewards credit card with up to 55 days interest-free on purchases and a $50,000 limit.
VISA/MC: 1 AMEX: 0.5 N/A $100 p.a. Go to site More info
American Express Business Explorer® Credit Card
Earn 100,000 bonus points when you meet the requirement and 2 Membership Rewards points per $1 spent.
100,000 bonus points 2 6 months $395 p.a. $24,000 Go to site More info

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Travel credit cards

Travel credit cards are designed for overseas use, and offer such perks as 0% foreign transaction fees or free international ATM withdrawals. They may also offer 0% purchase interest rates for a period of time, which allows you to make repayments without having to worry about interest. A key benefit of using travel credit cards as opposed to cash or traveller’s cheques is the safety and convenience of carrying plastic instead of wads of cash. Another potential benefit is the ability to tap into the day’s current exchange rate instead of being locked into an exchange rate.

Who are travel credit cards suited to?

Travel credit cards could be handy for frequent travellers or cardholders with an upcoming holiday. When compared to using your regular credit card abroad, having a travel credit card can save you substantial fees on currency exchange and ATM withdrawals. Remember that even if your card has a 0% promotional purchase rate, this will not apply to amounts you withdraw from the ATM. Cash withdrawals will be levied with a cash advance fee and charged interest at the higher cash advance interest rate immediately. If you plan on making international cash withdrawals, making a prepayment on your account or using a debit card can help you avoid interest fees.

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Rates last updated July 29th, 2017.

Bankwest Qantas World Mastercard

50,000 bonus Qantas points has been discontinued.

January 31st, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Overseas ATM Withdrawal Fee Foreign Currency Conversion Fee (MC) Annual fee
Bankwest Zero Platinum Mastercard
An introductory offer on balance transfers, plus complimentary travel insurance & access to a 24/7 Concierge service.
17.99% p.a. $0 0% of transaction value $0 p.a. Go to site More info
Bankwest Qantas Platinum Mastercard
Enjoy a high credit limit with complimentary travel insurances and earn 0.5 Qantas Points per $1 spent on eligible purchases.
20.49% p.a. 0% of transaction value $160 p.a. Go to site More info
Bankwest Qantas World Mastercard
Earn uncapped Qantas Points per $1 spent on eligible purchases and receive complimentary travel insurance.
20.49% p.a. 0% of transaction value $270 p.a. Go to site More info

Compare travel credit cards here

There is no better or worse type of credit card. Each option is suitable for a different kind of spender or borrower. This is what you should figure out about yourself before deciding what sort of credit card to get: which type of spender or borrower are you?

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NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum Credit Card
St.George Vertigo Platinum Credit Card

Interest rate

12.74

Annual fee

99

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Credit Cards Comparison

Rates last updated July 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
19.74% p.a. 0% p.a. for 24 months $90 p.a. Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

* 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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