Visa credit cards are available from a wide range of banks and financial institutions in Australia. These cards allow you to make payments in-store, online and over-the-phone in more than 200 countries. You can also use a Visa credit card to make contactless payments and get access to exclusive deals through Visa Offers + Perks.
Depending on the Visa card you choose, you could also make mobile payments and get access to premium benefits including rewards, complimentary travel insurance, concierge services and airport lounge passes. Use this guide to compare Visa credit cards, including the perks of using a Visa card and what you should consider before applying for one.
HSBC Credit Card Offer
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months on balance transfers
Offer ends 30 September 2020
Eligibility criteria, terms and conditions, fees and charges apply
HSBC Credit Card Offer
A platinum card offering 0% interest on balance transfers for 22 months with no balance transfer fee. Plus, an annual fee refund each year when you spend $6,000 on eligible purchases
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Banks and other credit card providers usually decide on the mix features that are available on different Visa cards. But some of the standard Visa benefits you can expect include:
24/7 customer service
If you have a Visa card, you can make use of Visa’s round-the-clock Global Customer Assistance Service to report lost and stolen cards from anywhere in the world. You can contact the Visa team on 1800 450 346 (within Australia) or +1 303 967 1090 (international calls).
Contactless and mobile payments
Most Visa credit cards in Australia offer tap-and-go payments at the checkout. If your card purchase is less than $100, you won't need to enter a PIN, but you will be asked for one if the purchase is over $100. You can also use a Visa credit card like any regular card if you want to swipe or insert it and enter a PIN.
Many Visa credit cards are also compatible with mobile payment apps, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. These option do vary between credit card providers, so make sure you check the card's compatibility before you apply.
Visa Checkout
If you sign up to Visa Checkout, this service will securely save your payment and shipping information so you can spend less time at the online checkout when you pay with your Visa card at partnered merchants.
Verified by Visa
This service gives you extra protection when you shop online by asking you to verify your identity when you're making a purchase. This step varies between cards and providers but, as an example, you might be asked to enter an SMS code, confirm your date of birth or answer a security question before the payment is processed. Some banks and issuers automatically enrol you in Verified by Visa, while others give you the option.
Visa Offers + Perks
As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered brands such as THE ICONIC, Hertz and Endota Spa. Depending on your Visa card, you could also unlock a suite of hotel benefits. You'll also get access to limited-time ticket offers, movie competitions and other entertainment deals. You can check out the current range of offers on the Visa website.
Concierge service
Platinum Visa credit cards (and other premium options) may come with a 24/7 global concierge service. You can contact your concierge on 1800 639 607 within Australia for anything from booking restaurant reservations or scoring tickets to a concert to sending flowers to a loved one.
Visa Premium
If you have a Visa Platinum, Signature or Infinite credit card, you can enjoy exclusive travel and lifestyle benefits all around the world through this exclusive service.
Complimentary insurance covers
Some Visa credit cards offer complimentary insurance covers, such as international travel insurance, purchase cover insurance, extended warranty insurance, interstate flight inconvenience insurance and transit accident insurance. The type of complimentary insurance and amount of cover offered varies depending on the Visa card and the issuer. So, if this is a feature you want, it is worth reading the card's insurance booklet before you apply.
How can I compare Visa credit cards?
As many credit card issuers offer Visa cards, here are a few other factors to look at when comparing your options:
Annual fees. Most credit cards charge an annual fee. For Visa cards, this fee typically ranges from $30 to $400 or more. There are also some Visa credit cards that have no annual fee, either for a promotional period or for the life of the card. You can weigh this cost against the card's features to help find one that's affordable for you.
Interest rates. If you don't always pay your balance in full, you should compare Visa cards by the standard purchase rate. Some Visa cards also offer introductory 0% p.a. interest rates, which can help you save on interest costs. If you plan to use the card for ATM withdrawals and other cash-equivalent transactions, you should also check the cash advance interest rate.
Foreign transaction fees. Most credit cards charge a fee worth 2–4% of the total of any transactions you make overseas or online in a foreign currency. So if you plan to use a Visa card when you're travelling or shopping online with stores that are based overseas, make sure you consider this cost.
Rewards. Some Visa credit cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you're a regular spender and pay your balance in full, a rewards credit card can be a useful way to get more value from your Visa card.
Eligibility requirements. When you find a Visa credit card you want to apply for, make sure you meet the application requirements. These typically cover age and Australian residency status, credit history and minimum income.
With a wide range of banks and issuers offering Visa credit cards in Australia, there are options to suit many different spending habits and goals. So if you want to get a new credit card, make sure you consider the potential costs and benefits based on your circumstances to help you find one that suits your needs.
Frequently asked questions about Visa credit cards
Here, you can read answers to the most common questions about Visa credit cards. If you have a specific question that's not covered, you can also get in touch with us via the contact box below.
No. Instead of issuing its own credit cards or lines of credit, Visa operates as a third-party payment processor. As such, many Australian credit cards offered by banks and other financial companies come equipped with Visa functionality.
You can call the Visa Global Customer Assistance Centre on 1800 450 346 (in Australia). If you're overseas, you can call Visa on +1 303 967 1090. These contact numbers are designed to connect you to support services when your Visa credit card is lost or stolen. If you have a general question, you could also contact Visa through Twitter using the handle @AskVisa.
Alternatively, you may want to get in touch with your credit card issuer for specific questions about your account or other Visa credit cards that they offer.
Yes. You can use a Visa credit card a millions of locations around the world, as well as online. Just look for the Visa logo.
A small selection of credit cards offer $0 foreign fees when you use them overseas or online with an international retailer. Some of these may be Visa options but ultimately it depends on the bank or credit card issuer. If this is a feature you want, you can compare a range of 0% foreign transaction fee credit cards and decide between Mastercard, American Express or Visa credit card options based on your needs.
As well as credit cards, there are Visa debit cards and prepaid Visa cards available from many banks in Australia. While each of these Visa cards offers different features and benefits, they can all be used around the world wherever you see the Visa logo.
Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.
You may be able to apply for a credit card with a bank with the items you mentioned to me. Please click on this link which is more specific to credit cards for pensioners and retired applicants so you may see the different requirements by each bank and choose the one that suits you. Hope this helps!
Please note that finder.com.au is an online comparison service and is not a product issuer. If you would like to discuss your eligibility or options, you’ll need to get in touch with the provider of the product that you would like to apply for.
You might also want to check this page for more No Annual Fee Visa credit card options.
To be eligible for Citi Simplicity Card’s balance transfer offer, you need a good credit history, and the balance should come from a non-Citi card. The maximum amount that you can transfer is up to 80% of your approved credit limit and it can take up to 10 business days to process.
You’ll need to contact your merchant to inform them that you have decided to discontinue the auto direct debit with your credit card company. You should also get in touch with the customer service team of your card to take note that there should be no more charges to be accepted from the merchant you had direct debit arrangement.
If I hire a car in Broome and pay for it with a NAB Platinum Mastercard or NAB Qantas Platinum Visa, does this cover the Standard Liability Insurance (circa $3000)?
Rental vehicle excess cover is available for NAB credit cards. Reimbursements/ cover is available up to a maximum of $1,250 per interstate journey for any excess or deductible which you are legally liable to pay. Please refer to page 49 of the PDF I have sent to your email for the full requirements for eligibility.
Unfortunately the Myer Visa Card does not come with complimentary travel insurance. You may like to refer to the following link for a list of cards come with free complimentary travel insurance.
Please note that finder.com.au is a comparison service and is not affiliated with Visa. It would be best to contact Visa directly in regards to advertising options.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
* 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.
Feedback
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
As a disability pensioner who owns car and house valued at $650.ooo can I apply for a credit card for a $5000 thanking you
Hi carolyn,
Thank you for leaving a question.
You may be able to apply for a credit card with a bank with the items you mentioned to me. Please click on this link which is more specific to credit cards for pensioners and retired applicants so you may see the different requirements by each bank and choose the one that suits you. Hope this helps!
Cheers,
Reggie
as a member of RACGP corporation am I eligible to apply for annual fee exempted Visa credit card?
Hi Dr. Reddy,
Thanks for your inquiry.
Please note that finder.com.au is an online comparison service and is not a product issuer. If you would like to discuss your eligibility or options, you’ll need to get in touch with the provider of the product that you would like to apply for.
You might also want to check this page for more No Annual Fee Visa credit card options.
I hope this has helped.
Cheers,
Arra
what are the balance transfer conditions on a citi simplicity card
Hi Bruce,
Thanks for your question.
To be eligible for Citi Simplicity Card’s balance transfer offer, you need a good credit history, and the balance should come from a non-Citi card. The maximum amount that you can transfer is up to 80% of your approved credit limit and it can take up to 10 business days to process.
Cheers,
Anndy
can I speak with someone by phone as I have a few questions?
How can I stop a payment to a Company who have now got my Visa Card Number?
Hi Steve,
Thanks for your question.
You’ll need to contact your merchant to inform them that you have decided to discontinue the auto direct debit with your credit card company. You should also get in touch with the customer service team of your card to take note that there should be no more charges to be accepted from the merchant you had direct debit arrangement.
Cheers,
May
Hi Tony,
You may call us at 1300 FINDER (346 337) or (02) 9299 7602.
Thanks,
Sharon
What is the interest rate for Bankvic
Hi Kate, thanks for your inquiry!
To allow us to assist you further could you please inform us to which BankVic product you are inquiring about today?
Cheers,
Jonathan
If I hire a car in Broome and pay for it with a NAB Platinum Mastercard or NAB Qantas Platinum Visa, does this cover the Standard Liability Insurance (circa $3000)?
Hi Stuart, thanks for your inquiry!
Rental vehicle excess cover is available for NAB credit cards. Reimbursements/ cover is available up to a maximum of $1,250 per interstate journey for any excess or deductible which you are legally liable to pay. Please refer to page 49 of the PDF I have sent to your email for the full requirements for eligibility.
Cheers,
Jonathan
If I pay for a proposed “Outback tour” within Australia by Myer Visa Card, will I receive complimentary travel insurance?
Hi Rod, thanks for your inquiry!
Unfortunately the Myer Visa Card does not come with complimentary travel insurance. You may like to refer to the following link for a list of cards come with free complimentary travel insurance.
Cheers,
Jonathan
Can I load South African Rand into a card and if so which card?
Hi Pam, thanks for your inquiry!
The Virgin Global Wallet and Westpac Global Currency card both support the South African Rand (ZAR).
Cheers,
Jonathan
I live in the UK Scotland and it seems I can only get a Visa Credit Card if I live in Australia
Hi Ann, thanks for your inquiry.
Since Visa is a multinational corporation, Visa credit cards are also available in the UK.
Cheers,
Jonathan
I want to advertise visa at my business what are my options
Hi Mark, thanks for your inquiry!
Please note that finder.com.au is a comparison service and is not affiliated with Visa. It would be best to contact Visa directly in regards to advertising options.
Cheers,
Jonathan