Compare Visa Credit Cards - 150+ options crunched

1 - 9 of 155

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
St.George Vertigo Card Finder Award	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.99%	Annual fee $55	Go to site More Info Compare	Get a 0% p.a. interest rate on balance transfers for 24 months (with a one-time 1% balance transfer fee).
Kogan Money Credit Card - Purchase Rate Offer Kogan Rewards Program	Purchase rate p.a. 9.99% for 9 months, then 21.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0	Go to site More Info Compare	Save with 9.99% p.a. on purchases for the first 9 months, plus, an ongoing $0 annual fee.
NAB Low Rate Credit Card	Purchase rate p.a. 13.49%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 3% balance transfer fee, then 21.74%	Annual fee $59	Go to site More Info Compare	Get a 0% p.a. interest rate on balance transfers for the first 24 months (with a 3% BT fee).
ANZ Platinum Credit Card	Purchase rate p.a. 20.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99% with 3% balance transfer fee	Annual fee $0 first year ($87 after)	Go to site More Info Compare	Get $100 back on your card when you spend $2,000 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
ANZ Rewards Black Credit Card Finder Award ANZ Rewards Program	Purchase rate p.a. 20.99%	Bonus points 180,000	Points per $ spent 2	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $375	Go to site More Info Compare	Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
St.George Vertigo Card - Cashback Offer	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months with 0% balance transfer fee, then 21.99%	Annual fee $55	Go to site More Info Compare	Get up to $500 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
ANZ Low Rate - Credit Back Offer	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $58	Go to site More Info Compare	Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
St.George Amplify Signature Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 150,000	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	Go to site More Info Compare	150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
ANZ Rewards Platinum ANZ Rewards Program	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 1.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $149	Go to site More Info Compare	Get 100,000 bonus ANZ Reward Points (worth $440 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.

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What are Visa credit cards?

Visa is an electronic payment network used by many banks and credit card companies.

Like Mastercard (and unlike American Express), Visa doesn't issue credit cards itself. You get a credit card issued by your bank or credit card company, and many of them use Visa's network.

But cards on the Visa network do benefit from Visa features, like Zero Liability protection, security and fraud protection, and contactless payment technology.

Tell me more about Visa

Visa was launched by Bank of America in 1958 as the BankAmericard credit card program. Eventually this program was licensed across the globe and was consolidated into the Visa corporation in 1976.

Today Visa operates in over 200 countries. In 2024 the Visa network processed 234 billion in transactions.

What benefits can I get with a Visa credit card?

24/7 customer service. Visa offers a Global Customer Assistance Service so you can report lost and stolen cards from anywhere in the world.
Contactless and mobile payments. Visa credit cards in Australia offer tap-and-go payments, as well as insert or swipe options at the checkout. You also won't need to enter a PIN if your contactless card purchase is less than $200. Many Visa credit cards can also be added to digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
Visa Checkout. If you sign up to Visa Checkout, this service will securely save your payment and shipping information for online shopping with partnered merchants.
Visa Secure (formerly Verified by Visa). This security service adds an extra verification step for online transactions. 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.
Visa Offers + Perks. A Visa card gives you access to exclusive discounts and deals with partnered brands such as Booking.com, THE ICONIC and Hertz. A Visa card also gives you access to limited-time ticket offers, movie competitions and other entertainment deals.
Complimentary insurance cover. Some Visa credit cards come with complimentary insurance covers, such as international travel insurance, purchase cover insurance, and extended warranty insurance.

Premium card benefits

The more premium Visa cards, such as Platinum, Signature and Infinite cards offer more perks and benefits:

Concierge service. A platinum Visa credit card (and other premium options) often gives you access to 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.
Visa Offers + Perks. The higher end Visa cards also get more luxurious upgrades and special offers.

Which Australian banks use Visa?

Bank Australia
BankSA
Bank of Melbourne
BOQ
Greater Bank
Heritage Bank

ING
Kogan Money
Latitude Financial Services
Suncorp
Virgin Money

Should I go with Visa or Mastercard? Does it matter?

Both Visa and Mastercard offer 24/7 customer support, security and fraud monitoring features, zero liability protection for unauthorised transactions.

With Visa's contactless card payments you don't need to enter a PIN for transactions of $200 or less. With Mastercard you need to enter a PIN on transactions above $100.

Our expert says: Does the card network matter?

"While there are still a few places that don't accept American Express cards, there's really not much difference between a Visa or Mastercard credit card. Both offer very comparable fraud monitoring and protections. The real difference comes in the rates, rewards fees and features of a specific card. That's what you should look at first."

Richard Whitten

Editor

How can I compare Visa credit cards?

Annual fees. Most credit cards charge an annual fee. For this fee typically ranges from $50 to $400. 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 offer introductory 0% interest rates, which can help you save on interest costs.
Foreign transaction fees. Most credit cards charge a fee worth 2–3.5% of the total of any transactions you make overseas (or by shopping online) in a foreign currency.
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.

Visa credit card frequently asked questions

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 connect you to support services when your Visa credit card is lost or stolen.
If you have a question about a particular Visa credit card, you could contact the bank or issuer directly.

Thank you for your feedback!

Written by

Amy Bradney-George

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise

Amy has written 559 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
Sustainability

Co-written by

Richard Whitten

Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for over 7 years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise

Richard has written 579 Finder guides across topics including:

Home loans
Property
Personal finance
Money-saving tips

More resources on Finder

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59 Responses

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

Finder

JohnOctober 30, 2018Finder

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. See our list of 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

DrSeptember 20, 2016

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

Finder

ArraSeptember 22, 2016Finder

Hi Dr. Reddy,

Thanks for your inquiry.

Please note that Finder 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 for more no-annual-fee Visa credit cards.

I hope this has helped.

Cheers,
Arra

bruceJune 28, 2016

what are the balance transfer conditions on a citi simplicity card

Finder

DeeJune 28, 2016Finder

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

TonyMarch 22, 2016

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

SteveJanuary 30, 2017

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

Finder

MayJanuary 30, 2017Finder

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

Finder

SharonMarch 22, 2016Finder

Hi Tony,

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

Thanks,

Sharon

KateSeptember 6, 2015

What is the interest rate for Bankvic

Finder

JonathanSeptember 7, 2015Finder

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

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Visa credit cards – compare Australian cards that use the Visa network