How do I get a credit card in Australia?

You need to apply for a credit card before you can start using one. This is usually a simple process you can do online in a few steps: Compare credit cards from different providers to find one you want Check that you meet the eligibility requirements (e.g. being over the age of 18 and earning income) Complete the application, including supporting documentation (e.g. your driver's licence details, payslips etc) Before you apply it's important to think about how a credit card fits in with your financial situation. It may be helpful to use a repayment calculator to estimate potential costs and budget for repayments if you don't think you'll pay off what you spend each month. Also keep in mind that lenders check your credit report and score when you apply. So if you want to check these details before that, you can get a free copy of your report and score through Finder.

How to use a credit card (and avoid debt)

A credit card is convenient, but it comes with a risk of debt. Here are 4 tips to help you stay on top of payments. Ask for a credit limit you can manage. Credit card companies must determine your limit based on what you could "reasonably" afford to pay off over 3 years. But if the credit limit you're offered is higher than what you need, you can request a lower limit so you have more control. Pay more than the minimum. Only paying the minimum amount listed on your credit card statement can lead to years of debt and interest charges. So, aim to pay off the total balance by the statement's due date. Plan repayments. Set a monthly calendar reminder for the payment due date, or set up automated payments. Finder's credit card repayment calculator can also help you budget. Get help if you need it. If you’re struggling with your credit card, call your bank or provider to see what support is available. You can also get free financial advice by calling the National Debt Helpline on 1800 007 007 .

What will getting a credit card do to my credit score?

Applying for a credit card impacts your credit score as each application is recorded on your credit file. Multiple applications in a short period can lower your score and missed repayments also negatively affect it. But regular payments and responsible use of a credit card can raise your credit score. It's all in how you use the card.

Which credit cards won Finder Awards?

The 2026 Finder Credit Card Awards recognise Australia's top credit cards across 15 categories. We used 12 months of data and a detailed methodology to find the winning cards for every type of customer. Providers like ANZ, American Express, Westpac, Kogan, Bankwest and NAB were among the winners this year.

Can I get a credit card if I have a bad credit history?

Yes, but it’s typically more difficult. It's a good idea to provide as much detail as possible on the application to show you can manage the account. You could also chat to your current bank before applying so they can guide you. If you can't get a credit card, an unsecured personal loan could be another option.

How do credit cards compare to buy now pay later services?

The discussion around credit cards vs Afterpay has been going on for years, but both cards and buy now pay later (BNPL) services have different features. Here's a basic breakdown: Credit cards: You can use a credit card almost everywhere: shops, cafes, online. They just need to accept the type of card you have (Amex, Mastercard, Visa). If you don't pay off your balance in full each month, you'll be charged interest. When you apply, the bank will check your credit score to decide what limit to give you. Buy now pay later: Most BNPL services let you buy items from partnered stores, then pay them off in fixed instalments over a few weeks or months. They don't typically charge interest but may have other fees, especially for late payments. Your credit history isn't usually checked when you apply and your limit will increase with responsible use.

What credit card options are available for people under 18?

Although you can't apply for a credit card in your name while you're under 18, you can consider the following options: Ask to be an additional cardholder on your parents' credit card. If you're at least 16 years of age, your parents may add you as a supplementary cardholder to their credit card account. This means that you will receive a credit card linked to their account, and they will remain legally responsible for all the expenses. Get a prepaid credit card. A prepaid credit card lets you preload the card with money. This means it's technically not a "credit" card because you are responsible for providing the money you spend, but it can be a useful pay-as-you-go option. With a prepaid card, you won't fall into debt, and can usually shop anywhere Visa or Mastercard is accepted (including online). Use a debit card. A debit card is similar to a prepaid card, except it is linked to a bank account. When you use this type of card, you are spending money that you have in the account and don't have to keep loading money like you would with a prepaid card. Most debit cards can be used for contactless payments and mobile wallets like Apple Pay or Google Pay, if you're set up with one of those accounts. Focus on savings. The importance of saving throughout your life is often underrated. Learning to save should be a critical focus, especially before you get a credit card. This will ensure you have funds that you can use when necessary and also prevent unmanageable credit card debt in the future. Before applying for a credit card, make sure that you've researched your chosen card and understood the terms, conditions and eligibility requirements. Rather than thinking of these requirements as restrictive, understand that credit card application requirements help uphold responsible lending practises and protect consumers.

What is the most accepted credit card in Australia?

Visa and Mastercard are the most widely accepted credit cards in Australia . They can be used for both domestic and international purchases, offering broad merchant acceptance and lower fees for use compared to other networks like American Express .

Credit Cards: Compare 200+ cards and find a better deal

Why do you want a new credit card?

14 of 227 results

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
ANZ Low Rate - Balance Transfer Exclusive Offer Finder AwardExclusive	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. 0% for 28 months with 2.5% balance transfer fee, then 21.99%	Annual fee $0 first year ($58 after)	Finder exclusive: 0% p.a. for 28 months on a balance transfer (with 2.5% balance transfer fee) and $0 first-year annual fee. Expires 31 March 2026. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Qantas Money Platinum Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 120,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	Annual fee $349 first year ($399 after)	Receive 2 single-entry complimentary lounge invitations per year.	Go to site View details Compare product selection Compare	loading
Qantas American Express Ultimate Card Most LovedQantas Frequent Flyer	Purchase rate p.a. 23.99%	Bonus points 100,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Get up to 100,000 bonus Qantas Points (70,000 points when you spend $5,000 on eligible purchases in the first 3 months and additional 30,000 points when you spend a minimum of $1 within 90 days of paying your second-year annual fee). New American Express card members only. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Latitude Low Rate Mastercard - Balance Transfer 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. 0% for 24 months with 3% balance transfer fee, then 29.99%	Annual fee $69	ENDS SOON! $100 GIFT CARD REWARD 1 Click here 2 Apply for a Latitude Low Rate Mastercard 3 Get your eGift Card from Finder Ends by. T&Cs apply.	Balance transfer offer only available to new customers approved by 30 April 2026. Also get complimentary E-Commerce Purchase Protection Insurance. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Kogan Money Credit Card - Balance Transfer Exclusive Offer ExclusiveKogan Rewards Program	Purchase rate p.a. 21.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 18 months with 2% balance transfer fee, then 22.74%	Annual fee $0	Finder exclusive: Save with 0% p.a. for the first 18 months on balance transfers (with a one-time 2% balance transfer fee). T&Cs apply.	Go to site View details Compare product selectionCompare	loading
humm90 Platinum Mastercard	Purchase rate p.a. 27.3%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 110 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($119.40 after)	Limited time: Get $150 back when you use the promo code 150BACK and $0 monthly fees for 12 months. Ends 25 Mar 2026. T&Cs apply.	Up to 60 months interest free at 50+ partner retailers like Ikea, Freedom and Flight Centre.	Go to site View details Compare product selectionCompare	loading
Coles No Annual Fee Mastercard Flybuys	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 5% balance transfer fee, then 20.74%	Annual fee $0	Go to site View details Compare product selectionCompare	loading
American Express Platinum Card Most LovedAmerican Express Membership Rewards	Purchase rate p.a. 0%	Bonus points 220,000	Points per $ spent 2.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $1,450	Partner offer: 220,000 Bonus Membership Rewards Points when you apply through the link on this page and spend $5,000 on eligible purchases in the first 3 months. Ends 14 Apr 2026. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Black Credit Card Finder AwardANZ 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	Earn up to 180,000 extra ANZ Reward Points: 130,000 extra points + $100 back when you spend $5,000 on eligible purchases in the first 3 months from approval, and additional 50,000 points when you keep your card for over 15 months from activation.	Go to site View details Compare product selectionCompare	loading
Qantas Money Everyday Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 8,000	Points per $ spent 0.75	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.99%	Annual fee $99	Go to site View details Compare product selectionCompare	loading
Coles Rewards Mastercard Flybuys	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 2	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 5% balance transfer fee, then 20.74%	Annual fee $99	Receive a $250 Coles gift card when you apply by 30 June 2026 and spend $3,000 on eligible purchases in the first 90 days from approval. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
American Express Explorer Credit Card Most LovedAmerican Express Membership Rewards	Purchase rate p.a. 23.99%	Bonus points 75,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $395	Get 75,000 Bonus Membership Rewards Points when you spend $4,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
ANZ Rewards Platinum ANZ Rewards Program	Purchase rate p.a. 20.99%	Bonus points 125,000	Points per $ spent 1.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 21.99%	Annual fee $149	Earn up to 125,000 bonus ANZ Reward Points: 85,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 40,000 points when you keep your card open for 15 months from activation.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Platinum Card – Velocity Points Most LovedNAB Rewards	Purchase rate p.a. 20.99%	Bonus points 90,000	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 3% balance transfer fee, then 21.74%	Annual fee $195	Get up to 90,000 bonus Velocity Points: 70,000 points when you spend $4,000 in the first 90 days and 20,000 points after 12 months.	Go to site View details Compare product selectionCompare	loading

Showing 11 of 38 results

Find some of the terms in this table confusing? Jump down to our glossary to learn about key features and how to compare credit cards.

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Balance transfer? Rewards? Low rate? We cover them all.

What is a credit card?

A credit card lets you spend money that you can pay back over time, usually with interest.

Unlike a debit card – where you need money in the bank – a credit card gives you a set amount you can spend (or borrow), known as your credit limit. You also get regular statements (usually monthly) and need to make repayments by the due date on them.

In Australia, you must be at least 18 years old to apply for a credit card in your name.

Want more details? Check out Finder's guide to how credit cards work.

Our expert says

"When comparing credit cards, decide what's most important to you. Is it a low interest rate? Low annual fee? Bonus frequent flyer points? Maybe a balance transfer deal? For instance, I pay my balance in full each month, so I ignore the interest rates and don’t look at balance transfer offers. Instead, I aim to find cards with a great points earning rate. Knowing exactly what you want, makes it easier to find the right card for you."

Sarah Megginson

Money expert + media spokesperson

What types of credit cards are there?

There are 6 main types of credit cards. Every card is slightly different, so you should compare credit cards to find the best credit card that has the features that matter to you.

Card type	Principal use	Pros	Cons
Balance transfer	Pay off existing debt with no / low interest	Save money on interest and pay down debt faster	Minimal perks and no interest-free days on new purchases
Frequent flyer	Earn Qantas or Velocity Points on your spending	You can redeem points for flights or flight upgrades	High interest rates & annual fees
Rewards	Earn reward points on your spending	Get rewarded for money you’d spend anyway	High interest rates & annual fees
No annual fee	Credit without an upfront cost	Costs nothing if you pay it off in full or don’t use it at all	Minimal perks and higher interest rates
Low rate	Pay off purchases over time while paying less interest	Saves you money if you carry a balance from month to month	Minimal perks
Business	Managing cash flow and separating spending	Offer distinct features for business (like accounting feeds)	Stricter eligibility requirements

Credit card guides and resources

Hospital cover

New to credit cards?

Hospital cover tiers

Applying & credit score

Dental cover

Popular types of cards

Understanding tax

Managing your card

Comparison and deals

Comparisons & deals

How to compare credit cards

Here's a breakdown of features and charges you should look at when doing a credit card comparison.

Find the right type of cardWant Qantas Points? Get a frequent flyer card that lets you earn points when you spend. Need a simple, cheap card for everyday spending? Look at low rate or no annual fee cards.
Look at the purchase rateCredit cards charge high interest rates. But only if you don't pay the card off on time.
Count your interest free daysOne of the best features of a credit card, interest-free days let you buy something today and pay no interest for up to 55 days. How it actually works in practice is a little complicated though.
Look at all the perks and benefits the card offersSome credit cards give you reward or frequent flyer points, purchase protection or complimentary travel insurance, cashback on your spending or other rewards. The more perks a card offers the higher the annual fee. So if you don't use them, you're wasting money.

Credit cards 101

There are lots of confusing terms in credit card land. Here's a quick explainer:

Balance transfer rate. The interest rate you'll pay if you transfer a balance from one card to another. Most introductory offers are for 0% p.a. on your balance, but you may pay a one-time fee.
Cash advances. Try not to withdraw cash from an ATM or use your card to gamble or buy foreign currencies. These transactions are considered cash advances and they come with a fee plus a higher interest rate (which you get charged immediately).
Credit card network. The payment system that processes all your credit card transactions. In Australia most cards are either Visa, Mastercard or American Express.
Foreign transaction fees. This is the fee you'll be charged on purchases made in a foreign currency overseas or online. Some cards have 0% foreign fees.
Minimum repayment. You can repay all your card spending each month. Or you can pay it off slowly (and get charged interest). The minimum repayment is the lowest amount you must pay by the due date. Miss this, and you'll get charged a fee.

Expert insight: Why credit card records matter

"Maintaining these records helps you track your spending, verify transactions, and catch any errors or fraudulent activities promptly. They are also useful for budgeting, filing taxes, and providing proof of purchase or payment if disputes arise. Keeping organised and accessible records of your statements, whether in digital or paper form, ensures you have a comprehensive financial history that can be referenced whenever necessary."

Angel Zhong

Professor, RMIT

Pros & cons of credit cards

Pros

Flexibility. If you have a big purchase to make, a credit card can be a financial "buffer" – letting you buy it and then repay it over time. If it’s used wisely, it can be interest free.
Convenience. Credit cards allow you to buy what you need, when you need it. You can use them to shop in-store, online and overseas, with security features to protect against fraud.
Rewards. Everyone loves perks. A credit card can help you get frequent flyer points, cashback on your groceries, flight upgrades or even gift cards.

Cons

Debt. Credit card interest adds up quickly if you don't pay your balance on time, which could cost you hundreds (or thousands) of dollars and take a long time to pay back.
Can be expensive. The average interest rate for an Australian credit card is around 20%, RBA stats show. In comparison, the average interest rate for a variable rate personal loan is 14.41%.
Sneaky fees and surcharges. Some businesses add a surcharge to credit card payments, which can be 1–2% of the total purchase cost.

Bottom line? Credit cards have a mix of great perks and understandable risks. A good rule of thumb is to compare credit cards to ensure you get one with the features you need, while having a plan for paying it off and using the benefits.

What's happening in credit cards in March 2026?

EXPERTREVIEW

By Finder's senior money editor, Richard Whitten.

Australians spent $465.281 billion on their credit cards in the last 12 months, according to the latest figures. This is a record high.

The average Australian credit card balance is $3,582 per card. The average unpaid credit card balance (which carries interest charges) is now $1,749.

Young Australians are driving the growth in credit card use. Card applications among Gen Z grew 15% in 2025 compared to 2024.

In terms of credit card offers, the longest 0% balance transfer offer on the market in March is a Finder exclusive, the ANZ Low Rate Balance Transfer Exclusive Offer, which gives new ANZ customers 0% for 28 months with a 2.5% balance transfer fee.

For frequent flyers, Qantas recently announced changes to Qantas Status Credits, including the ability to roll over credits from one year to the next. But you'll also need to earn more credits to high the higher status tiers.

Have questions about credit cards? We have answers

You need to apply for a credit card before you can start using one. This is usually a simple process you can do online in a few steps:
1. Compare credit cards from different providers to find one you want
2. Check that you meet the eligibility requirements (e.g. being over the age of 18 and earning income)
3. Complete the application, including supporting documentation (e.g. your driver's licence details, payslips etc)
Before you apply it's important to think about how a credit card fits in with your financial situation. It may be helpful to use a repayment calculator to estimate potential costs and budget for repayments if you don't think you'll pay off what you spend each month.
Also keep in mind that lenders check your credit report and score when you apply. So if you want to check these details before that, you can get a free copy of your report and score through Finder.
A credit card is convenient, but it comes with a risk of debt. Here are 4 tips to help you stay on top of payments.
- Ask for a credit limit you can manage. Credit card companies must determine your limit based on what you could "reasonably" afford to pay off over 3 years. But if the credit limit you're offered is higher than what you need, you can request a lower limit so you have more control.
- Pay more than the minimum. Only paying the minimum amount listed on your credit card statement can lead to years of debt and interest charges. So, aim to pay off the total balance by the statement's due date.
- Plan repayments. Set a monthly calendar reminder for the payment due date, or set up automated payments. Finder's credit card repayment calculator can also help you budget.
- Get help if you need it. If you’re struggling with your credit card, call your bank or provider to see what support is available. You can also get free financial advice by calling the National Debt Helpline on 1800 007 007.
Applying for a credit card impacts your credit score as each application is recorded on your credit file. Multiple applications in a short period can lower your score and missed repayments also negatively affect it. But regular payments and responsible use of a credit card can raise your credit score. It's all in how you use the card.
The discussion around credit cards vs Afterpay has been going on for years, but both cards and buy now pay later (BNPL) services have different features. Here's a basic breakdown:
- Credit cards: You can use a credit card almost everywhere: shops, cafes, online. They just need to accept the type of card you have (Amex, Mastercard, Visa). If you don't pay off your balance in full each month, you'll be charged interest. When you apply, the bank will check your credit score to decide what limit to give you.
- Buy now pay later: Most BNPL services let you buy items from partnered stores, then pay them off in fixed instalments over a few weeks or months. They don't typically charge interest but may have other fees, especially for late payments. Your credit history isn't usually checked when you apply and your limit will increase with responsible use.
Although you can't apply for a credit card in your name while you're under 18, you can consider the following options:
- Ask to be an additional cardholder on your parents' credit card. If you're at least 16 years of age, your parents may add you as a supplementary cardholder to their credit card account. This means that you will receive a credit card linked to their account, and they will remain legally responsible for all the expenses.
- Get a prepaid credit card. A prepaid credit card lets you preload the card with money. This means it's technically not a "credit" card because you are responsible for providing the money you spend, but it can be a useful pay-as-you-go option. With a prepaid card, you won't fall into debt, and can usually shop anywhere Visa or Mastercard is accepted (including online).
- Use a debit card. A debit card is similar to a prepaid card, except it is linked to a bank account. When you use this type of card, you are spending money that you have in the account and don't have to keep loading money like you would with a prepaid card. Most debit cards can be used for contactless payments and mobile wallets like Apple Pay or Google Pay, if you're set up with one of those accounts.
- Focus on savings. The importance of saving throughout your life is often underrated. Learning to save should be a critical focus, especially before you get a credit card. This will ensure you have funds that you can use when necessary and also prevent unmanageable credit card debt in the future.
Before applying for a credit card, make sure that you've researched your chosen card and understood the terms, conditions and eligibility requirements. Rather than thinking of these requirements as restrictive, understand that credit card application requirements help uphold responsible lending practises and protect consumers.
Credit Card Finder® is a free, Australian-owned service that you can use to compare over 260 credit card offers from banks, credit unions and other financial institutions. We've been around since 2006 and keep a database of virtually every credit card on the market.
Our comparison tables are free to use and we link you directly to the lender's secure application page. We make money from featured partners but editorial opinions are our own.

Why you can trust our credit card experts

Obsessed with perks - we nerd out over points, rates & prizes - our editors spend hours (ok, days) crunching 250+ cards every single month. We even give them a simple score out of 10 if you just want the easy life.

No two cards the same - different cards are great for different things (and some are just junk). That's why we track and score every type of card from balance tranfers to rewards, cashback to low interest - so you don't waste a cent.

No BS - We're not owned by a bank, we don't have a call centre. Our only mission is to match you with the card of your dreams. Whether it's your first card, or you're a points ninja - we got you.

Sources

To make sure you get accurate and helpful information, this guide has been edited by Sarah Megginson as part of our fact-checking process.

Written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 707 Finder guides across topics including:

Home loans
Credit cards
Personal finance
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131 Responses

KylieJuly 4, 2024

American Express have just rejected an increase in my credit limit. I am very surprised as I have a high income, small mortgage, large amount of equity in my house and superannuation. I have no other debt or loans. Have had the card for 6 years and pay the balance in full every month.
I am trying to get information on what income, assets, credit rating they used to assess my eligibility for a card increase. They won’t tell me anything and have been incredibly unhelpful.
How can I get information.
Which Ombudsman should I complain to – financial services?
Is a Freedom of Information request possible.

I accept that they don’t have to give me an increase but I am concerned that there is an error in the data that they are using to assess my application and want the opportunity to correct any errors. If I can’t get an increase to $12,000 on an income of $210,000 with a mortgage of $400 a week I can’t see how anyone can get a credit card.

Finder

SarahJuly 16, 2024Finder

Hi Kylie,

Most banks and lenders don’t publicly share the data and criteria they use to assess applicants, which is frustrating. If it helps, banks generally use a formula of 2-3% per month. So, if your limit is $12,000, they assess your ability to make a repayment based on $240 to $360 per month at a minimum.

In regards to your application, it could be a mistake, or there could be a valid reason why.

Some of the reasons that could contribute to this could be:
– an issue with your credit score. You can check your credit score for free in the Finder app.
– having other credit cards, especially ones with high limits. Each one is assessed as requiring a payment worth 2-3% of the credit limit each month. So, they may assess you as not being able to afford a higher limit.
– having other personal debts and loans that impact your serviceability.
– consistently late or missed payments, resulting in late payment fees; this could indicate difficult managing your current repayments, therefore they don’t want to extend you any further credit. You mentioned you pay the balance in full each month, so this is unlikely to be the reason.

It would be worth checking your credit file as a first step, and then contact Amex again and ask if they won’t approve $12,000, what limit would they approve? If you’re still not satisfied, it might be worth shopping around for a card that better suits your needs.

Hope this helps!

MaureenJanuary 27, 2024

Looking for credit card with no exchange fees etc when used overseas, plus free travel insurance, plus perhaps pays bonus points . Happy to pay small annual fee. I always pay full balance off each Month. What would be your recommendations? Thank you

Finder

AmyJanuary 29, 2024Finder

Hi Maureen,
Finder has a dedicated guide to credit cards with no foreign transaction fees, which includes a comparison table with filters for different features you’re interested in. I hope this helps.

rhiannonJanuary 9, 2024

What’s a good credit card for a poor credit rating?

Finder

SarahJanuary 10, 2024Finder

Hi Rhiannon, this guide on credit cards for applicants with poor credit may be useful.

As an alternative, you may be eligible for a Good Shepherd no interest loan, of up to $3000 – these are usually available to help with urgent medical bills and housing costs, like rent.

Hope this helps!

jackJanuary 5, 2024

If you’re cancelling an Amex business card and apply for a new personal Amex card, do you get bonus reward points?

Finder

SarahJanuary 5, 2024Finder

Hi Jack, If the Amex was in your personal name, then you may not be eligible for the bonus offer. According to their official policy: American Express Card Members who currently hold or who have previously held any Consumer or Small Business Card product in the previous 18 month period are ineligible for Welcome offers.

If in doubt, contact them directly for confirmation just to be sure!

KonDecember 5, 2023

Me , my wife and my 18 year old daughter will be travelling overseas next year for 7 weeks.
Which credit card would ypu recommend which has $0 international transaction fees and complimentary travel insurance, with interest frees days and the lowest annual fees?
Regards

Finder

AmyDecember 6, 2023Finder

Hi Kon,

The Bankwest Zero Platinum Mastercard was named Best Travel Credit Card in the 2023 Finder Credit Card Awards and has no international transaction fees, no annual fee, interest-free days and complimentary travel insurance for up to 31 days, which you can apply to extend for up to 3 consecutive months of travel. The CommBank Low Fee Gold Mastercard was also a finalist in this category of the Finder Credit Card Awards 2023 and offers similar features.

Finder also has a guide on credit cards with travel insurance where you can compare a range of cards side-by-side. When considering cards, it’s a good idea to check the insurance policy details for who’s covered. In particular, the age requirements for dependents, which is typically children up to 16-24 years of age (but does depend on the policy). Interest-free days are common on most credit cards for purchases, typically when you pay the total amount listed on each statement by the due date. Just keep in mind that ATM withdrawals and other cash advances are not eligible for an interest-free period. I hope this helps.

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