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 29th, 2017.
- Bank of Melbourne Amplify Platinum
Balance transfer offer has been changed to 0% p.a. for 12 months and is valid until 1 May 2017.
February 21st, 2017
- ANZ Frequent Flyer Black
A new offer of 75 Bonus Status Credit which is valid until 30 June 2017.
March 8th, 2017
- Virgin Australia Velocity Flyer Card - Balance Transfer Offer
1.5% BT fee has been added to the existing balance transfer offer which is valid until 15 June 2017.
April 3rd, 2017
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.
- 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.
- 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.
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.Back to top
Frequently Asked Questions
I want to compare credit cards, but I don't know where to start.
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.
What resources can I use to make these comparisons?
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.