There is no perfect credit card company for everyone. A lot of it comes down to the actual features you want, rather than the name on the card.
But if you want to include the credit card company in your comparison, here's a look at different banks and brands in Australia – including the 4 biggest credit card providers.
The Finder Credit Card Awards for 2023 recognise the best credit cards in Australia, with expert analysis of available products from 80 credit card companies. These awards cover personal and business cards, with categories including Best Low Rate Credit Card, Best Rewards Credit Card and Best Credit Card for Travellers.
➡️ Get details on all the categories and winners of the 2023 Finder Credit Card Awards.
In Australia, you can get a credit card from a bank, credit union, co-operative, other financial provider or even a big-name brand such as Coles or Qantas.
Broadly speaking, there are 2 main ways a credit card company can be set up in Australia:
You can learn more about different credit card companies, as well as the cards they offer, by clicking on their names below.
If you're interested in the biggest banks or credit card companies, here are the 4 Australian credit card providers with the highest market capitalisation.
As well as being one of the Big Four banks in Australia, CommBank has the highest market capitalisation value at $193.04 billion. The Commonwealth Bank Group includes Bankwest, Colonial First State and CommSec (online stock broking). Commonwealth Bank credit cards include low-rate, low-fee, rewards, premium and business options.
Another of Australia's Big Four banks, NAB has over 8.5 million customers in Australia, New Zealand and across the world. Its market capitalisation is $99.32 billion. NAB credit cards include low-cost, rewards, premium, business and corporate options. It also issues Citi-branded credit cards, along with Coles, Qantas Money, Virgin Money, BOQ and other brands.
Big Four Bank Westpac's credit card lending portfolio covers products from Westpac Banking Corporation, including St.George, Bank of Melbourne and BankSA. Its total market capitalisation is $82.46 billion. The range of Westpac credit cards include low rate, low fee, balance transfer and rewards options.
Rounding out the Big Four banks on this list is ANZ, with a total market capitalisation of $79.89 billion. ANZ credit cards offer a mix of products, including rewards, frequent flyer, low-cost and premium cards for both personal and business use.
Want to know more about credit cards in Australia? Get up-to-date credit card statistics, including how many cards and how much debt Aussies owe.
Wondering what to do next? You could compare credit cards to get suggestions on cards that fit your goals, check out more credit card companies or compare some of the latest offers on Finder.
Finder's Credit Card Report investigates the emerging consumer behaviours and industry trends in Australia's credit card market.
The National Seniors Credit Card has a low 8.99% p.a. variable interest rate and a $40 annual fee that helps support the organisation. Here’s how its other features compare.
The Wizitcard offers an alternative to traditional credit cards and buy now pay later, with no interest charges, a monthly fee and a virtual account – is it right for you?
PayPal no longer offers credit cards. But you can link your credit cards and bank accounts in the PayPal app to earn rewards.
Discover exactly how the average Australian uses their credit card.
If you work in the Australian health sector, this card offers an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months and an ongoing $0 annual fee. Is it right for you?
If you run a medium to large business, the features of the CommBank Corporate Interest-Free Days Card could help with expense management – here's how.
The Credit Union SA Visa Credit Card offers 0% on balance transfers for 6 months, a competitive annual fee and a low interest rate for purchases.
While there isn't one best credit card, you can find a card that suits your needs by comparing the features, deals and offers that are trending here.
When you apply for a credit card online, you could receive a response within 60 seconds. Find out how you to find a card that you're eligible for and increase your chances of approval.