The Finder Credit Card Awards 2025 recognises Australia's best credit cards. Using 12 months of market data and a robust methodology, Finder's experts analyse the rates, fees, rewards and offer details for every personal and business credit card in our database to determine the best credit cards in 15 categories. This gives you a benchmark when you want to compare and find a new card.
The St.George Vertigo Card won this year's balance transfer credit card award. This card combined a long balance transfer offer with a low balance transfer fee and a very competitive annual fee. This card won alongside the Bank of Melbourne and BankSA Vertigo Cards, which have identical details and features.
The Clear Card - Balance Transfer Offer from Citi is highly commended in the balance transfer category. This card also has a long 24-month 0% balance transfer offer.
The Clear Card - Balance Transfer Offer from Citi is highly commended in the balance transfer category. This card also has a long 24-month 0% balance transfer offer.
ANZ's Rewards Black Credit Card took out the top spot in the rewards credit card category with its very compelling offer. The card's high earn rate and hefty bonus points sign-up offer and other benefits made it a strong winner this year.
ANZ's Rewards Black Credit Card took out the top spot in the rewards credit card category with its very compelling offer. The card's high earn rate and hefty bonus points sign-up offer and other benefits made it a strong winner this year.
The Amplify Signature Card comes highly commended with a healthy amount of bonus points and a high earn rate. The discounted annual fee in the first year helps made this a compelling rewards card. St.George, Bank of Melbourne and BankSA all offered this card with identical features.
The Qantas American Express Ultimate Card won Finder's Qantas frequent flyer credit card award this year. The card gives eligible customers a solid bonus Qantas Points offer on sign up, and added extra value with its high earn rate and a travel credit that offset the annual fee.
The Qantas American Express Ultimate Card won Finder's Qantas frequent flyer credit card award this year. The card gives eligible customers a solid bonus Qantas Points offer on sign up, and added extra value with its high earn rate and a travel credit that offset the annual fee.
Westpac's Altitude Velocity Black won this year's Velocity frequent flyer credit card award. It offered a really high bonus Velocity Points offer if you held it for over a year.
Westpac's Altitude Velocity Black won this year's Velocity frequent flyer credit card award. It offered a really high bonus Velocity Points offer if you held it for over a year.
The Bankwest Breeze Platinum Mastercard is the winner of this year's travel credit card award. It offered a 0% foreign transaction fee, a low purchase rate plus complimentary travel insurance and a very competitive annual fee.
The Bankwest Breeze Platinum Mastercard is the winner of this year's travel credit card award. It offered a 0% foreign transaction fee, a low purchase rate plus complimentary travel insurance and a very competitive annual fee.
The Kogan Money Credit Card also won the no annual fee rewards category this year thanks to its $0 annual fee with the ability to earn Kogan Points on your spending.
The Kogan Money Credit Card also won the no annual fee rewards category this year thanks to its $0 annual fee with the ability to earn Kogan Points on your spending.
NAB's Rewards Business Signature Card won the small business rewards credit card award this year. It offered a generous amount of NAB Rewards Points and had a fairly low annual fee.
NAB's Rewards Business Signature Card won the small business rewards credit card award this year. It offered a generous amount of NAB Rewards Points and had a fairly low annual fee.
The NAB Qantas Business Signature Card won the business frequent flyer award at this year's Finder Awards with a large bonus Qantas Points and complimentary Qantas Business Rewards membership.
The NAB Qantas Business Signature Card won the business frequent flyer award at this year's Finder Awards with a large bonus Qantas Points and complimentary Qantas Business Rewards membership.
The BusinessVantage Visa wins the low interest rate business credit card award this year. It had one of the lowest business credit card rates around, plus a very low annual fee. This card was offered with the same features by St.George, Bank of Melbourne and BankSA.
American Express's Qantas Business Rewards Card wins this year's business frequent flyer charge card award. It won with a great combination of a high earn rate plus a strong bonus Qantas Points offer.
American Express's Qantas Business Rewards Card wins this year's business frequent flyer charge card award. It won with a great combination of a high earn rate plus a strong bonus Qantas Points offer.
NAB's Purchasing and Corporate Card won the low rate business charge card award this year. It had a competitive purchase rate and complimentary business liability insurance.
NAB's Purchasing and Corporate Card won the low rate business charge card award this year. It had a competitive purchase rate and complimentary business liability insurance.
The Westpac Lite Card received a highly commended placing.
Finder's Product Awards methodology for credit cards
Finder's Credit Card Awards recognises market-leading credit cards, using our proprietary Finder Score ratings methodology, that compares 21 data points for each product, across value and features, for a total of 262 cards in our database, across 80 providers.
We aggregate the Finder Score for each award category over 12 months, to determine the average score for each product across all applicable categories.
Selection criteria
The products were included in the categories if they were currently available for new applications and met the following criteria:
Balance Transfer Credit Card: Has a valid balance transfer revert rate.
Travel Credit Card: Has a valid purchase rate.
Frequent Flyer Credit Card – Qantas: Has a valid purchase rate and accrues points on the Qantas Frequent Flyer program.
Frequent Flyer Credit Card – Velocity: Has a valid purchase rate and accrues points on the Velocity Frequent Flyer program.
Low Rate Credit Card: Not be a charge card or not charge any interest.
No Annual Fee Credit Card: Has a valid purchase rate greater than 0% and $0 annual fee.
No Foreign Transaction Fee Card: Has no foreign currency conversion fees.
Rewards Credit Card: Has a valid purchase rate and a valid rewards program.
No Annual Fee Rewards Credit Card: Has a valid rewards purchase rate, $0 annual fee and valid rewards program.
Small Business Rewards Credit Card: Is a valid business card, has a valid rewards purchase rate and a valid rewards program.
Business Frequent Flyer Credit Card: Is a valid business card, has a valid purchase rate and accrues points through Qantas Frequent Flyer, Qantas Business Rewards or Velocity Frequent Flyer.
Low Interest Business Credit Card: Is a valid business card and has an ongoing purchase rate.
Business Charge Card: Has no ongoing purchase interest rate and the account type is defined as "business".
Why you can trust our awards
Expert analysis
Our Credit Card Award winners are based on 100+ hours of data analysis of 21 data points across 262 products by our insights team and expert authors.
Comprehensive
We compared available products from 80 of Australia's credit card providers including the Big Four, small credit unions and independent brands.
Independent
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and meet our editorial standards.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
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.
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Which is the best credit card the people on Centrelink payments with very bad credit rating guaranteed approval
Finder
RichardAugust 25, 2025Finder
Hi Rebecca,
It’s impossible for us to say what credit cards you can get approved for, if any. Every credit card provider has to examine your financial position (and look at your credit score) to determine if you can afford the credit card.
There is no such thing as guaranteed approval.
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Which is the best credit card the people on Centrelink payments with very bad credit rating guaranteed approval
Hi Rebecca,
It’s impossible for us to say what credit cards you can get approved for, if any. Every credit card provider has to examine your financial position (and look at your credit score) to determine if you can afford the credit card.
There is no such thing as guaranteed approval.