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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.

Exclusive to finder.com.au - Citi Credit Card Offer

Citi Rewards Platinum Credit Card - Exclusive Offer

0% p.a. interest for 13 months on purchases and balance transfers
Discounted annual fee of $49 for the first year
Exclusive to finder.com.au

Offer ends 31 December 2019

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - Citi Credit Card Offer

Save with 0% p.a. interest on purchases and balance transfers (with no balance transfer fee) for up to 13 months and a discounted annual fee for the first year.

  • $49 p.a. annual fee for the first year ($149 p.a. thereafter).
  • 20.99% p.a. on purchases
  • 0% p.a. for 13 months with 0% BT fee on balance transfers
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Compare Visa credit cards

Rates last updated September 20th, 2019
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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% for 13 months, reverts to 20.99% 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.
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Citi Clear Platinum Credit Card
0% p.a. for 14 months
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
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 90,000 when you spend $3,000 on eligible purchases in the first 60 days and 30,000 after 12 months.
St.George Vertigo Classic - Exclusive Offer
0% p.a. for 6 months
0% for 14 months, reverts to 13.99% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
St.George Vertigo Classic
0% p.a. for 16 months
13.99% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
St.George Vertigo Platinum
0% p.a. for 18 months
12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features a long-term 0% balance transfer offer, $49 first year annual fee and access to a 24/7 personal concierge service.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
0% p.a. for 26 months with 1.5% balance transfer fee
20.99% 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.
ANZ First
0% p.a. for 18 months with 2% balance transfer fee
20.24% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 55 days interest-free on purchases.
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)
Up to 70,000 bonus Velocity Points (20,000 points when you spend $1,500/month in the first 3 months plus 10,000 points after the first anniversary).
Latitude Infinity Rewards Visa
20.69% p.a.
$69 p.a.
Earn an uncapped 1.00 Latitude Infinity Reward point per dollar with no expiry, plus get up to 55 days interest-free on purchases.
St.George Amplify Signature - Qantas
0% p.a. for 6 months
19.74% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Get 90,000 bonus Qantas Points when you spend $4,000 in 90 days and 2 complimentary Qantas Club lounge invitations per year.
Bank of Melbourne Amplify Platinum
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Earn up to 100,000 bonus Amplify Points (50,000 per year) when you spend $6,000 on eligible purchases each year for the first 2 years.
Bank of Melbourne Amplify Signature
0% p.a. for 6 months
19.74% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Earn 100,000 bonus Amplify Points each year for the first two years (200,000 total) when you spend $12,000 p.a., plus, complimentary lounge passes.
St.George Amplify Platinum
0% p.a. for 6 months
19.74% p.a.
$99 p.a.
Get up to 100,000 bonus Amplify Points (50,000 each year) when you meet the spend requirement over 2 years.
St.George Amplify
0% for 14 months, reverts to 19.74% p.a.
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus earn uncapped Amplify or Qantas Points per dollar spent.
BankSA Vertigo
0% p.a. for 16 months
13.99% p.a.
$55 p.a.
Enjoy a 0% p.a. interest rate for up to 16 months on balance transfers. Plus, a low annual fee and purchase interest rate.
Bank of Melbourne Vertigo Platinum
0% p.a. for 18 months
12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. balance transfer rate for 18 months, a reduced annual fee for the first year and complimentary travel insurance.

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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.

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.

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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 September 20th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect up to 120,000 bonus Qantas Points. Get 90,000 when you spend $3,000 on eligible purchases in the first 60 days and 30,000 after 12 months.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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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