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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 December 14th, 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 25 months
$90 p.a.
Platinum Card with an Exclusive Balance Transfer Offer
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum Credit Card with Balance Transfer Offer
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 14 January 2018.
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 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
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*
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
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*
Receive a 0% p.a. for 22 months balance transfer offer and earn 1 Reward Point per $1 of eligible spend. Plus, complimentary travel insurance.
Citi Rewards Platinum Credit Card
20.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 24 months Balance Transfer Offer*
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus a complimentary international travel insurance.
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
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
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.
Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 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.
Platinum Card with Purchase Offer
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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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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Related Posts

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

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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