Visa Credit Cards

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Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.

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 200 countries around the world. They also offer benefits such as contactless payments through Visa payWave, exclusive travel, shopping and lifestyle offers through Visa Entertainment and the added security of Verified by Visa for online shopping.

Depending on the Visa credit card you choose, you could also enjoy platinum benefits, rewards and complimentary extras such as travel insurance, concierge services or airport lounge passes. Use this guide to compare Visa credit cards, discover the perks of using a Visa card and the factors you should consider before applying for one.

St.George Credit Card Online Offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year

Offer ends 31 January 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

A platinum card that features a no BT fee balance transfer offer, first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
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Compare Visa credit cards

Rates last updated January 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 31 January 2018.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
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)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Enjoy a low annual fee plus a low introductory offer of 0% p.a. for 16 months on balance transfers.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
St.George Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point per $1 spent.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Amplify or Qantas Points when you spend $5,000 within 90 days and earn up to 1.5 Amplify points per $1 spent.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$199 p.a.
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
NAB Qantas Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$250 p.a.
Offers 50,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get rewarded with 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases for the first three months from card approval.
ANZ Frequent Flyer
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Get 25,000 bonus Qantas Points when you meet the offer criteria and save with a $0 first year annual fee. Plus, uncapped Qantas Points potential.
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.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
Citi Clear Platinum
14.99% p.a.
$99 p.a.
Visa Concierge Service, complimentary purchase cover and a low interest rate on purchases.
Citi Signature Qantas Credit Card
20.99% p.a.
0% p.a. for 6 months
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn from 0.5 Qantas Points per $1 spent on selected purchases and get 2 airport lounge visits per year. Plus, a discounted first year annual fee.
NAB Velocity Rewards Premium Card
19.99% p.a.
4.99% p.a. for 6 months
$150 p.a.
Offers up to 0.66 Velocity Points per $1 spent on purchases, combined with complimentary insurance covers and a concierge service.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
20.74% p.a.
0% p.a. for 15 months
$289 p.a.
Take off sooner with up to 80,000 bonus Velocity Points and earn up to 1 Velocity Point per $1 spent. Plus, complimentary travel insurance.
Bank of Melbourne Vertigo Visa Credit Card
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.

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What are the benefits of using a Visa credit card?

Banks and other credit card companies typically decide on the features are available with individual Visa options. But some of the standard Visa benefits you can expect are:

  • 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).

  • Cashless payments

Visa’s payWave technology helps you save time at the checkout through tap-and-go payments. If your card purchase is less than $100, you won't even need to enter a PIN. You can also use a Visa payWave card like any regular card if you'd prefer to swipe or insert it and enter a PIN.

  • 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 checkout when using your card with partnered merchants.

  • Concierge service

Platinum Visa credit cards 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.

  • Complimentary insurance covers

Some Visa credit cards offer complimentary insurance covers. Some of the common complimentary insurances you can find with such cards include purchase cover insurance, extended warranty insurance, interstate flight inconvenience insurance, international travel insurance and transit accident insurance.

  • 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.

  • Visa offers

As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered merchants such as THE ICONIC, Microsoft and Kathmandu. You can see a full list of the available offers on the Visa website.

  • Visa Entertainment

You can enjoy perks from pre-sale tickets to concerts and festivals to exclusive competitions when you sign up to Visa Entertainment using your Visa credit card.

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How can I compare Visa credit cards?

As many credit card issuers offer Visa cards, here are a few other factors you can consider when comparing your options:

  • Annual fees. Most credit cards charge an annual account fee. For Visa cards, this could be anywhere from $25 to more than $250. There are also some Visa credit cards that have no annual fee, either for a promotional period or for the life of the card. Remember to weigh this cost against the features of the cards you compare so you can 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 come with 0% promotional 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 rates.
  • Credit limit. While your approved credit limit will depend on factors such as income and credit history, you should apply for a credit limit that can support your financial needs without tempting you to overspend.
  • 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 who often pays your balance in full, a rewards credit card can be a useful way to get more value from your Visa.
  • Eligibility requirements. Different Visa credit cards will come with specific eligibility requirements including minimum annual income, credit history, age and residential status.

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. If you want to get a new credit card, make sure you consider the potential costs and benefits based on your circumstances so that you can find on that suits your needs.

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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.

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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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57 Responses

  1. Default Gravatar
    September 20, 2016

    as a member of RACGP corporation am I eligible to apply for annual fee exempted Visa credit card?

    • Staff
      ArraSeptember 22, 2016Staff

      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

  2. Default Gravatar
    bruceJune 28, 2016

    what are the balance transfer conditions on a citi simplicity card

    • Staff
      LouJune 28, 2016Staff

      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

  3. Default Gravatar
    TonyMarch 22, 2016

    can I speak with someone by phone as I have a few questions?

    • Default Gravatar
      SteveJanuary 30, 2017

      How can I stop a payment to a Company who have now got my Visa Card Number?

    • Staff
      MayJanuary 30, 2017Staff

      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

    • Staff
      SharonMarch 22, 2016Staff

      Hi Tony,

      You may call us at 1300 FINDER (346 337) or (02) 9299 7602.

      Thanks,

      Sharon

  4. Default Gravatar
    KateSeptember 6, 2015

    What is the interest rate for Bankvic

    • Staff
      JonathanSeptember 7, 2015Staff

      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

  5. Default Gravatar
    StuartJuly 23, 2015

    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)?

    • Staff
      JonathanJuly 23, 2015Staff

      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

  6. Default Gravatar
    RodMay 16, 2015

    If I pay for a proposed “Outback tour” within Australia by Myer Visa Card, will I receive complimentary travel insurance?

    • Staff
      JonathanMay 16, 2015Staff

      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

  7. Default Gravatar
    PamMay 11, 2015

    Can I load South African Rand into a card and if so which card?

  8. Default Gravatar
    March 31, 2015

    I live in the UK Scotland and it seems I can only get a Visa Credit Card if I live in Australia

    • Staff
      JonathanMarch 31, 2015Staff

      Hi Ann, thanks for your inquiry.

      Since Visa is a multinational corporation, Visa credit cards are also available in the UK.

      Cheers,

      Jonathan

  9. Default Gravatar
    MarkMarch 23, 2015

    I want to advertise visa at my business what are my options

    • Staff
      JonathanMarch 23, 2015Staff

      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

  10. Default Gravatar
    laxmanJanuary 19, 2015

    i have applied a credit on todays date then when i will get card

    • Staff
      JonathanJanuary 20, 2015Staff

      Hi Laxman,

      Thanks for your inquiry,

      Generally it can take up to 5-10 business days for the card to be delivered.

      I hope this helps!

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated January 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
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)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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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