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What is the Best Credit Card* in Australia?

Find the credit card that suits your needs today. Read our guide and tips that will inform and guide you to the types of cards available in Australia and their benefits, so you can choose the credit card that is most suitable for you.

Simply put - we can't tell you what the best credit card is. The best credit card for you will depend on your personal circumstances as there is not a single card that is best for everyone. What we can do, however, is help you compare the offers available to you. This will help you make more informed decisions to find which card is right for you.

Australian Credit Cards Comparison

Rates last updated October 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Platinum Card with an Exclusive Balance Transfer Offer
Exclusive to finder.com.au, enjoy a long-term balance transfer offer of 0% p.a. for 24 months (with no BT fee), travel insurance and a 24/7 concierge.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Up to 60,000 bonus Velocity Points with Balance Transfer Offer*
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a 0% p.a. for 18 months on balance transfers.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Supermarket Platinum Credit Card Offer
Receive a $50 Woolworths eGift Card when you apply by 31 January 2018. Earn up to 3 points per $1 spent at Woolworths stores.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
0% p.a. for 24 months Balance Transfer Offer*
Enjoy up to $25 off your first Uber ride. Plus, the convenience of the Westpac mobile banking app.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$99 p.a.
Platinum Credit Card with a Balance Transfer Offer*
A long-term balance transfer card that earns uncapped HSBC Rewards Plus points per $1 spent, plus, complimentary insurance covers.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Low Rate Platinum Credit Card Offer
A low rate Platinum card with a long-term balance transfer offer, up to 55 interest-free days on purchases and complimentary insurance covers.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Platinum Card with 0% interest rates on purchases and balance transfers
An exclusive credit card offer through finder.com.au that features 0% interest on both purchases and balance transfers.
Bank of Melbourne Vertigo Visa Credit Card
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Low Introductory Balance Transfer Rate*
Enjoy 0% p.a. for 18 months on balance transfers and a low annual fee.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points on approval and an additional 80,000 bonus Qantas Points when you meet the spend requirement. Ends 26 October 2017.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Low Annual Fee & Balance Transfer Offer
Receive up to 44 interest-free days on purchases and complimentary Purchase Protection Insurance.

Compare up to 4 providers

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Consider your options and know the types of credit cards

There are a number of credit cards available in the Australian market. To help simplify your comparison process, you can consider your specific financial needs in accordance with the below available credit card categories.

    • Rewards credit cards
      When it comes to the finding the most beneficial rewards credit card for your use in Australia, you can narrow your search by looking at our rewards credit card guide. Then compare the options available to your personal circumstances. If you frequently use your credit card, a rewards card could allow you to earn points as you spend. Again, the best rewards card for you comes down to you and what you want out of the card.

Compare Credit Cards with Rewards Program

  • Low or no annual fee credit cards
    These cards are typically grouped with cards that have low or no annual fees and for consumers who pay off their cards in full each month. For such cardholders, the important features include the number of interest-free days and the annual fee.Some of the cards in this category are the Bankwest Zero Mastercard and the HSBC Low Rate Credit Card.

Compare No Annual Fee Credit Cards

  • Low-interest credit cards
    If you struggle to pay off your credit card balance each month, then you will be interested in this category. The cheapest credit cards offer low-interest rates and a low annual fee.

Compare Low Interest Credit Cards

Choose the *best credit card for you

As you can see, there are a number of great credit cards available in Australia - you simply need to pick the card that most suits your needs. You can start by writing down a list of your individual financial needs and patterns and searching through the extensive list of credit card options and reviews available through finder.

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Frequently Asked Questions

As there is no such thing as the one 'best' credit card, you always need to make comparisons based on your individual needs and financial position. If you don't know where to begin, you can start by making a list of your financial needs and habits and try to narrow down your search based on these factors. For example, if you find that you frequently use your credit card, you may wish to consider a rewards card so you can receive points to redeem for rewards each time you spend. Alternatively, if you're struggling to pay off your credit card balance each month, you may want to consider a low-interest credit card.

In addition to the objective and comprehensive review and product pages available on finder.com.au, you should also read the Product Disclosure Statement and Terms & Conditions for each credit card you consider.

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Related Posts

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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