Visa Credit Cards

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.

Citi Credit Card Offer

Citi Clear Platinum Credit Card

0% p.a. for 9 months on balance transfers
$0 first year annual fee

Offer ends 31 March 2020

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Save with a $0 annual fee for the first year and long-term 0% purchase and balance transfer offers. Plus, enjoy complimentary insurance covers.

  • 0% p.a. for 9 months on purchases & balance transfers
  • $0 first year annual fee ($99 thereafter)
  • Purchase interest rate of 14.99% p.a. | Cash advance rate of 22.24% p.a.
  • Minimum income requirement of $35,000
  • Purchase cover insurance, extended warranty insurance, and a guaranteed pricing scheme
Go to Site
Promoted

Compare Visa credit cards

Rates last updated November 18th, 2019
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Citi Clear Platinum Credit Card
0% p.a. for 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Kogan Money Black Card
0% p.a. for 12 months
20.99% p.a.
$0 p.a.
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $300 Kogan.com Credit and uncapped rewards points.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months with 1% balance transfer fee
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 first year annual fee.
ING Orange One Platinum - Exclusive Offer
16.99% p.a.
$0 p.a. annual fee for the first year ($149 p.a. thereafter)
Use promo code FINDER
$0 first-year annual fee, up to $30 cashback per month and 100% foreign transaction fee rebates. Must hold or open an Orange Everyday account.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
BOQ Blue Visa Credit Card
0% p.a. for 6 months
20.74% p.a.
$60 p.a.
Receive $120 cashback when you meet the spend criteria and a 6 month interest-free balance transfer offer.
BOQ Platinum Visa Credit Card
0% p.a. for 12 months
20.74% p.a.
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 1,000 bonus Q Rewards points/month, a 12-month balance transfer offer and $0 first year annual fee.
Virgin No Annual Fee Credit Card
6.9% p.a. for 36 months
18.99% p.a.
$0 p.a.
Offers 6.9% p.a. for 36 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
BOQ Low Rate Visa Credit Card
0% p.a. for 14 months
13.49% p.a.
$55 p.a.
A no-frills card offering 0% on balance transfers for the first 14 months with no balance transfer fee.

Compare up to 4 providers

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.

Close up Visa credit cards under a mobile phone

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.

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.

Image: Shutterstock

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

59 Responses

  1. Default Gravatar
    CarolynOctober 30, 2018

    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

    • Avatarfinder Customer Care
      JohnOctober 30, 2018Staff

      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

  2. Default Gravatar
    Dr Janardhen ReddySeptember 20, 2016

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

    • Avatarfinder Customer Care
      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

  3. Default Gravatar
    bruceJune 28, 2016

    what are the balance transfer conditions on a citi simplicity card

    • Avatarfinder Customer Care
      DeeJune 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

  4. 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?

    • Avatarfinder Customer Care
      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

    • Avatarfinder Customer Care
      SharonMarch 22, 2016Staff

      Hi Tony,

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

      Thanks,

      Sharon

  5. Default Gravatar
    KateSeptember 6, 2015

    What is the interest rate for Bankvic

    • Avatarfinder Customer Care
      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

  6. 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)?

    • Avatarfinder Customer Care
      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

  7. 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?

    • Avatarfinder Customer Care
      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

  8. Default Gravatar
    PamMay 11, 2015

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

  9. Default Gravatar
    AnnMarch 31, 2015

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

    • Avatarfinder Customer Care
      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

  10. Default Gravatar
    MarkMarch 23, 2015

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

    • Avatarfinder Customer Care
      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

Credit Cards Comparison

Rates last updated November 18th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months with 1% balance transfer fee
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months.
Citi Clear Platinum Credit Card
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.

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.

Ask a question
Go to site