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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 April 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Platinum Card with Balance Transfer Offer
Ends 6 May 2018.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$129 p.a.
Platinum Credit Card with a Balance Transfer Offer*
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
Low Purchase Rate with Balance Transfer Offer*
Westpac Low Rate credit card offers a low introductory rate on balance transfers and up to 55 interest-free days on purchases.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Low Purchase Rate & Balance Transfer Offer*
Offers a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months on balance transfers. Ends 30 June 2018.
HSBC Low Rate Credit Card
13.25% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$79 p.a.
Long-term Balance Transfer Offer*
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
ME frank Credit Card
11.99% p.a.
$0 p.a.
No Annual Fee Low Rate Credit Card*
Save money with a $0 annual fee for life, the same low 11.99% p.a. interest rate on purchases and balance transfers and up to 55 days interest-free.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum Credit Card with Balance Transfer Offer
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 30 April 2018.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
Introductory Purchase Rate Offer*
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Offer ends on 30 June 2018.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$0 p.a.
Low Intro Balance Transfer Interest Rate with No Annual Fee
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
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 Offer*
Earn up to 60,000 bonus Velocity Points in the first 3 months and enjoy a discounted annual fee of $64 for the first year. Ends 30 June 2018.

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

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Credit Card Offers

Important Information*
NAB Low Fee Platinum Card - Exclusive Offer
NAB Low Fee Platinum Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

129
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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