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19.99% p.a.
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0% p.a. for 22 months
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$129 p.a.
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Save with a 22-month balance transfer offer. Plus, lounge passes, travel insurance and an annual fee refund when you spend an eligible $6k/year.
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13.99% p.a.
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0% p.a. for 18 months
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$55 p.a.
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Get 0% p.a. on balance transfers for up to 18 months with no balance transfer fee. Plus, a low annual fee and purchase rate.
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19.99% p.a.
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0% p.a. for 18 months
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$199 p.a. annual fee for the first year ($299 p.a. thereafter)
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Get up to 80,000 bonus Qantas Points, 75 bonus Status Credits, a discounted first-year annual fee and a 0% p.a. balance transfer rate for 18 months.
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12.49% p.a.
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0% p.a. for 22 months with 1.5% balance transfer fee
|
$0 p.a. annual fee for the first year ($58 p.a. thereafter)
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Save with 0% p.a on balance transfers for 22 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
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0% for 9 months, reverts to 18.99% p.a.
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0% p.a. for 9 months
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$0 p.a.
|
Offers an introductory 0% p.a. for 9 months on purchases and balance transfers (with no BT fee) for an ongoing $0 annual fee.
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21.49% p.a.
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0% p.a. for 26 months with 1.5% balance transfer fee
|
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
|
Save with 0% interest on balance transfers for the first 26 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
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0% for 15 months, reverts to 11.99% p.a.
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11.99% p.a.
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$45 p.a.
|
Enjoy a 0% p.a. interest rate on purchases for the first 15 months and a $150 Woolworths gift card when you spend $3,000 in the first 90 days.
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0% for 15 months, reverts to 12.99% p.a.
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6.99% p.a. for 12 months
|
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
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Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
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13.74% p.a.
|
0% p.a. for 16 months
|
$59 p.a.
|
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
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13.99% p.a.
|
0% p.a. for 18 months
|
$55 p.a.
|
Enjoy 0% p.a. interest for up to 18 months on balance transfers. Plus, a low annual fee and competitive purchase rate.
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19.74% p.a.
|
0% p.a. for 6 months
|
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
|
Up to 100,000 bonus Amplify Points (70k in the first year & 30k in the second year) when you spend $6k/year for the first 2 years.
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17.99% p.a.
|
2.99% p.a. for 9 months
|
$0 p.a.
|
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
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19.74% p.a.
|
0% p.a. for 6 months
|
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
|
Up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
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13.99% p.a.
|
0% p.a. for 18 months
|
$55 p.a.
|
Enjoy a 0% p.a. interest rate for up to 18 months on balance transfers. Plus, a low annual fee and purchase interest rate.
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0% for 15 months, reverts to 12.99% p.a.
|
6.99% p.a. for 12 months
|
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
|
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
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19.74% p.a.
|
0% p.a. for 6 months
|
$99 p.a.
|
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
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20.74% p.a.
|
0% p.a. for 12 months with 1% balance transfer fee
|
$0 p.a.
|
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee.
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20.74% p.a.
|
0% p.a. for 12 months with 1% balance transfer fee
|
$0 p.a.
|
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
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19.74% p.a.
|
|
$79 p.a.
|
Earn your choice of uncapped Amplify or Qantas Points, plus enjoy up to 55 days interest-free on purchases.
|
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Michelle has a Westpac Low Rate Card with an outstanding balance of $3,000. The debt accrues interest at the purchase rate, which is 13.74% p.a., and she must repay 2% every month. If she doesn’t make the minimum repayment, Westpac charges a late payment fee of $15.
I’m still confused about paying the full balance. If I have 62 days interest free (Coles Low Rate card) if I pay the full balance off, don’t I technically only have a month, as I have to pay the whole amount by the time the bill is due? How would I truly get 62 days interest free?
Hi Sally,
Thanks for your comment.
To better understand the concept of interest-free days, I would like to refer you to this page. It contains a video and a graphic presentation that discuss interest-free days in full details.
Cheers,
Anndy
Which credit card is best with lowest annual fee, qantas frequent flyer points and travel insurance and extended warranty if i pay off every month?
Hi Kathy. Please have a look at our frequent flyer comparison page. You can sort the cards by their annual fee, rewards per dollar spent and by whether they have a balance transfer promotion. Most of these cards offer complimentary international travel insurance; however, please check the product table on the review page to see whether this benefit is included with the credit card. If you have any questions about the cards on this page, please ask us. Thanks for your question. Jacob.
Hi my commonwealth card is cancelled by my bank because I was over seas and didn’t pay repayments. I also lost my job on that time but now I’m ready to pay all instalments. Is there any way they can issue me credit card again or will it effect on me in future?
Hi Vick. Thanks for your question. You will need to discuss your options with a lender. You may also want to get a copy of your credit file. It’s not the case that when you’re ready to make repayments you can reapply for a card, the fact that you defaulted in the past is going to have a negative impact on your chances of getting another credit card. Jacob.