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With over 160 credit cards on the market, how do you choose the best one? Check out the popular credit card table below for some of the latest credit card deals or try one of our free credit card tools to help you compare rewards, fees, interest rates and balance transfer offers.

    • American Express Qantas Discovery Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • No annual card fee
      • Earn up to 1 Qantas Pointer per $1 spent
    • interest rate

      20.74%

    • balance transfer rate

      0.99% for 6 months

    • annual fee

      $0

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    • Virgin Money No Annual Fee Card
      • 0.0% p.a. on balance transfers for 6 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • interest rate

      18.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $0

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    • Commonwealth Bank Low Fee Credit Card
      • Enjoy 0% p.a. on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • interest rate

      0.00% for 12 months then 19.74%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fee

      $24$0 if CBA customer when applying or spend over $1,000 p.a.

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    • Coles No Annual Fee MasterCard
      • No annual card fee
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • Up to 62 interest free days on purchases when you pay the full balance off each month
    • interest rate

      17.99%

    • balance transfer rate

    • annual fee

      $0

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    • Bankwest Breeze
      • 0.0% p.a. on balance transfer for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

    • annual fee

      $59

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    • NAB Low Rate Card (Balance Transfer Offer)
      • 0.0% p.a. on balance transfers for 15 months. Conditions apply
      • Up to 55 interest free days
      • Secure online application
    • interest rate

      13.99%

    • balance transfer rate

      0.00% for 15 months

    • annual fee

      $59

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    • Bank of Queensland Low Rate
      • 0.0% p.a. on balance transfer for 9 months
      • $55.0 annual fee
      • Up to 55 days interest free on purchases
    • interest rate

      13.49%

    • balance transfer rate

      0.00% for 9 months and then cash rate

    • annual fee

      $55

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    • American Express Velocity Escape Card
      • No annual card fee
      • Earn up to 2 Velocity Points for every $1 spent on eligible purchases
      • Intro offer 7,500 bonus Velocity Points. Conditions apply
    • interest rate

      20.74%

    • balance transfer rate

    • annual fee

      $0

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    • Bankwest Zero
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • interest rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • annual fee

      $0

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    • Commonwealth Bank Low Rate Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • interest rate

      0.00% for 12 months then 12.99%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fee

      $78$48 if CBA customer when applying

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    • Virgin Money Low Rate Card
      • 2.9% p.a. on balance transfers for 9 months
      • Up to 44 interest free days on purchases
      • $99 annual fee
    • interest rate

      10.99%

    • balance transfer rate

      2.90% for 9 months and then cash rate

    • annual fee

      $99

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    • NAB Low Fee Card (Balance Transfer Offer)
      • Apply by 30 November for 1% p.a on purchases for 6 months
      • Annual fee $30
      • Additional cardholder at no extra cost
    • interest rate

      19.49%

    • balance transfer rate

      0.00% for 15 months

    • annual fee

      $30

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    • Bankwest Breeze Platinum
      • 0.0% p.a. on balance transfers for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • No foreign transaction fees on online and overseas purchases
    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

    • annual fee

      $99

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    • Commonwealth Bank Low Fee Gold Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • 5.99% p.a. on balance transfers for 5 months
      • Up to 55 days interest free on purchases
    • interest rate

      0.00% for 12 months then 19.74%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fee

      $90$0 if CBA customer when applying or spend over $10,000 p.a.

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    • Bankwest Zero Gold
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • interest rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • annual fee

      $0

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    • American Express Platinum Edge Credit Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • A complimentary domestic return flight every year with Virgin Australia
      • 10,000 Membershio Rewards Bonus Points. Conditions apply
    • interest rate

      20.74%

    • balance transfer rate

      0.99% for 6 months

    • annual fee

      $195

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    • HSBC Credit Card
      • $0.0 annual fee for the life of the card
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 55 days interest free on purchases
    • interest rate

      17.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $0

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    • Bankwest Breeze Gold
      • 0.0% p.a. on balance transfers for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

    • annual fee

      $89

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    • Bankwest Zero Platinum
      • No annual fee, ever
      • 2.99% p.a. o balance transfers for 9 months
      • 100% secure online application
    • interest rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • annual fee

      $0

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    • Commonwealth Bank Low Rate Gold Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • interest rate

      0.00% for 12 months then 12.99%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fee

      $120$90 if CBA customer when applying

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    • HSBC Platinum
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
      • Earn Rewards Points on eligible purchases and choose your own rewards
      • Up to 55 days interest free on purchases
    • interest rate

      19.99%

    • balance transfer rate

      0.00% for 8 months and then cash rate

    • annual fee

      $129

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    • American Express Qantas Premium Card
      • Earn up to 2 Qantas Points per $1 spent on eligible purchases
      • Receive up to 30,000 extra Qantas Points
      • Enjoy 2 Qantas Club Lounge invitations every year
    • interest rate

      20.74%

    • balance transfer rate

    • annual fee

      $249

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    • NAB Premium Card
      • 0.0% p.a. on balance transfers for 15 months. Conditions apply
      • Complimentary insurances including overseas travel insurance
      • Up to 44 days interest free on purchases
    • interest rate

      19.49%

    • balance transfer rate

      0.00% for 15 months

    • annual fee

      $90

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    • Commonwealth Bank Low Rate Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • interest rate

      0.00% for 12 months then 12.99%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fee

      $78$48 if CBA customer when applying

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    • Virgin Money Low Rate Card
      • 2.9% p.a. on balance transfers for 9 months
      • Up to 44 interest free days on purchases
      • $99 annual fee
    • interest rate

      10.99%

    • balance transfer rate

      2.90% for 9 months and then cash rate

    • annual fee

      $99

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    • Bankwest Breeze
      • 0.0% p.a. on balance transfer for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

    • annual fee

      $59

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    • Bank of Queensland Low Rate
      • 0.0% p.a. on balance transfer for 9 months
      • $55.0 annual fee
      • Up to 55 days interest free on purchases
    • interest rate

      13.49%

    • balance transfer rate

      0.00% for 9 months and then cash rate

    • annual fee

      $55

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    • American Express Platinum Edge Credit Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • A complimentary domestic return flight every year with Virgin Australia
      • 10,000 Membershio Rewards Bonus Points. Conditions apply
    • balance transfer rate

      0.99% for 6 months

    • interest rate

      20.74%

    • annual fees

      $195

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    • Virgin Money Virgin Australia Velocity Flyer Card - 0% for 9 months offer
      • 0.0% p.a. on balance transfers for up to 9 months
      • 0% p.a. on purchases for up to 9 months
      • Earn 1 Velocity Point per $1 spent on eligible purchases
    • balance transfer rate

      0.00% for 9 months and then cash rate

    • interest rate

      0.00% for 9 months then 20.74%

    • annual fees

      $129

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    • Bankwest Breeze
      • 0.0% p.a. on balance transfer for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • balance transfer rate

      0.00% for 13 months

    • interest rate

      11.99%

    • annual fees

      $59

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    • Commonwealth Bank Low Fee Credit Card
      • Enjoy 0% p.a. on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • balance transfer rate

      5.99% for 5 months and then cash rate

    • interest rate

      0.00% for 12 months then 19.74%

    • annual fees

      $24$0 if CBA customer when applying or spend over $1,000 p.a.

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    • NAB Low Rate Card (Balance Transfer Offer)
      • 0.0% p.a. on balance transfers for 15 months. Conditions apply
      • Up to 55 interest free days
      • Secure online application
    • balance transfer rate

      0.00% for 15 months

    • interest rate

      13.99%

    • annual fees

      $59

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    • HSBC Platinum
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
      • Earn Rewards Points on eligible purchases and choose your own rewards
      • Up to 55 days interest free on purchases
    • balance transfer rate

      0.00% for 8 months and then cash rate

    • interest rate

      19.99%

    • annual fees

      $129

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    • American Express Qantas Discovery Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • No annual card fee
      • Earn up to 1 Qantas Pointer per $1 spent
    • balance transfer rate

      0.99% for 6 months

    • interest rate

      20.74%

    • annual fees

      $0

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    • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
      • 0.0% p.a. on balance transfers for 14 months
      • Earn 1 Velocity Point per $1 spent on eligible purchases
      • Up to 44 interest free days on purchases
    • balance transfer rate

      0.00% for 14 months and then cash rate

    • interest rate

      20.74%

    • annual fees

      $129

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    • Bank of Queensland Low Rate
      • 0.0% p.a. on balance transfer for 9 months
      • $55.0 annual fee
      • Up to 55 days interest free on purchases
    • balance transfer rate

      0.00% for 9 months and then cash rate

    • interest rate

      13.49%

    • annual fees

      $55

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    • Bankwest Breeze Gold
      • 0.0% p.a. on balance transfers for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • balance transfer rate

      0.00% for 13 months

    • interest rate

      11.99%

    • annual fees

      $89

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    • Commonwealth Bank Low Rate Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • balance transfer rate

      5.99% for 5 months and then cash rate

    • interest rate

      0.00% for 12 months then 12.99%

    • annual fees

      $78$48 if CBA customer when applying

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    • Bankwest Zero
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • balance transfer rate

      2.99% for 9 months

    • interest rate

      17.99%

    • annual fees

      $0

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    • HSBC Credit Card
      • $0.0 annual fee for the life of the card
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 55 days interest free on purchases
    • balance transfer rate

      0.00% for 6 months and then cash rate

    • interest rate

      17.99%

    • annual fees

      $0

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    • Virgin Money No Annual Fee Card
      • 0.0% p.a. on balance transfers for 6 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • balance transfer rate

      0.00% for 6 months and then cash rate

    • interest rate

      18.99%

    • annual fees

      $0

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    • Commonwealth Bank Low Fee Credit Card
      • Enjoy 0% p.a. on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • intro interest rate

      0.00% for 12 months

    • interest rate

      0.00% for 12 months then 19.74%

    • balance transfer rate

      5.99% for 5 months and then cash rate

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    • NAB Low Rate Card (Purchase Rate Offer)
      • 0% p.a. on purchases for 6 months
      • Up to 55 days interest free on purchases
      • Low annual card fee $59
    • intro interest rate

      0.00% for 6 months

    • interest rate

      0.00% for 6 months then 13.99%

    • balance transfer rate

      4.99% for 6 months

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    • Commonwealth Bank Low Rate Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • intro interest rate

      0.00% for 12 months

    • interest rate

      0.00% for 12 months then 12.99%

    • balance transfer rate

      5.99% for 5 months and then cash rate

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    • NAB Low Fee Card (Balance Transfer Offer)
      • Apply by 30 November for 1% p.a on purchases for 6 months
      • Annual fee $30
      • Additional cardholder at no extra cost
    • intro interest rate

    • interest rate

      19.49%

    • balance transfer rate

      0.00% for 15 months

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    • American Express Qantas Discovery Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • No annual card fee
      • Earn up to 1 Qantas Pointer per $1 spent
    • annual fees

      $0

    • interest rate

      20.74%

    • balance transfer rate

      0.99% for 6 months

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    • Commonwealth Bank Low Fee Credit Card
      • Enjoy 0% p.a. on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • annual fees

      $24$0 if CBA customer when applying or spend over $1,000 p.a.

    • interest rate

      0.00% for 12 months then 19.74%

    • balance transfer rate

      5.99% for 5 months and then cash rate

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    • Bankwest Breeze
      • 0.0% p.a. on balance transfer for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • annual fees

      $59

    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

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    • Virgin Money No Annual Fee Card
      • 0.0% p.a. on balance transfers for 6 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • annual fees

      $0

    • interest rate

      18.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

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    • Coles No Annual Fee MasterCard
      • No annual card fee
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • Up to 62 interest free days on purchases when you pay the full balance off each month
    • annual fees

      $0

    • interest rate

      17.99%

    • balance transfer rate

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    • NAB Low Fee Card (Balance Transfer Offer)
      • Apply by 30 November for 1% p.a on purchases for 6 months
      • Annual fee $30
      • Additional cardholder at no extra cost
    • annual fees

      $30

    • interest rate

      19.49%

    • balance transfer rate

      0.00% for 15 months

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    • Bank of Queensland Low Rate
      • 0.0% p.a. on balance transfer for 9 months
      • $55.0 annual fee
      • Up to 55 days interest free on purchases
    • annual fees

      $55

    • interest rate

      13.49%

    • balance transfer rate

      0.00% for 9 months and then cash rate

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    • American Express Velocity Escape Card
      • No annual card fee
      • Earn up to 2 Velocity Points for every $1 spent on eligible purchases
      • Intro offer 7,500 bonus Velocity Points. Conditions apply
    • annual fees

      $0

    • interest rate

      20.74%

    • balance transfer rate

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    • Bankwest Zero
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • annual fees

      $0

    • interest rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

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    • HSBC Credit Card
      • $0.0 annual fee for the life of the card
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 55 days interest free on purchases
    • annual fees

      $0

    • interest rate

      17.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

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    • NAB Low Rate Card (Balance Transfer Offer)
      • 0.0% p.a. on balance transfers for 15 months. Conditions apply
      • Up to 55 interest free days
      • Secure online application
    • annual fees

      $59

    • interest rate

      13.99%

    • balance transfer rate

      0.00% for 15 months

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    • Commonwealth Bank Low Rate Gold Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Up to 55 days interest free on purchases
      • Apply online and get a response in 60 seconds
    • interest rate

      0.00% for 12 months then 12.99%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fees

      $120$90 if CBA customer when applying

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    • American Express Qantas Premium Card
      • Earn up to 2 Qantas Points per $1 spent on eligible purchases
      • Receive up to 30,000 extra Qantas Points
      • Enjoy 2 Qantas Club Lounge invitations every year
    • interest rate

      20.74%

    • balance transfer rate

    • annual fees

      $249

    • Go to site
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    • Bankwest Breeze Gold
      • 0.0% p.a. on balance transfers for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • Up to 3 additional cardholders at no additional cost
    • interest rate

      11.99%

    • balance transfer rate

      0.00% for 13 months

    • annual fees

      $89

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    • Commonwealth Bank Low Fee Gold Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • 5.99% p.a. on balance transfers for 5 months
      • Up to 55 days interest free on purchases
    • interest rate

      0.00% for 12 months then 19.74%

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • annual fees

      $90$0 if CBA customer when applying or spend over $10,000 p.a.

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    • Bankwest Zero Gold
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • interest rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • annual fees

      $0

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    • HSBC Platinum Qantas
      • 2 Qantas Club lounge passes every year at no extra cost. Conditions apply
      • 0.0% p.a. on balance transfers for 6 months. Conditions apply
      • Earn 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases
    • interest rate

      19.99%

    • annual fees

      $199

    • balance transfer rate

      0.00% for 6 months and then cash rate

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    • American Express Platinum Edge Credit Card
      • 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
      • A complimentary domestic return flight every year with Virgin Australia
      • 10,000 Membershio Rewards Bonus Points. Conditions apply
    • interest rate

      20.74%

    • annual fees

      $195

    • balance transfer rate

      0.99% for 6 months

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    • Bankwest Breeze Platinum
      • 0.0% p.a. on balance transfers for 13 months
      • Australia's lowest ongoing MasterCard purchase rate at 11.99% p.a.
      • No foreign transaction fees on online and overseas purchases
    • interest rate

      11.99%

    • annual fees

      $99

    • balance transfer rate

      0.00% for 13 months

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    • Virgin Money Virgin Australia Velocity High Flyer Card
      • Earn 1.25 Velocity Points per $1 spent
      • Half annual fee waiver for the first year
      • 1.9% p.a. for 12 months on balance transfers
    • interest rate

      20.74%

    • annual fees

      $289$144 in the first year

    • balance transfer rate

      1.90% for 12 months and then cash rate

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    • NAB Premium Card
      • 0.0% p.a. on balance transfers for 15 months. Conditions apply
      • Complimentary insurances including overseas travel insurance
      • Up to 44 days interest free on purchases
    • interest rate

      19.49%

    • annual fees

      $90

    • balance transfer rate

      0.00% for 15 months

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    • Commonwealth Bank Platinum Awards Credit Card
      • Enjoy 0% on purchases for 12 months on new personal credit cards. Limited time only
      • Earn up to 2.5 Awards points for every dollar spent on eligible purchases
      • Up to 55 days interest free on purchases
    • interest rate

      0.00% for 12 months then 20.24%

    • annual fees

      $280$250 if CBA customer when applying

    • balance transfer rate

      5.99% for 5 months and then cash rate

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    • HSBC Platinum
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
      • Earn Rewards Points on eligible purchases and choose your own rewards
      • Up to 55 days interest free on purchases
    • interest rate

      19.99%

    • annual fees

      $129

    • balance transfer rate

      0.00% for 8 months and then cash rate

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    • Commonwealth Bank Diamond Awards Credit Card
      • Earn up to 3 Awards points for every dollar spent on eligible purchases
      • 5.99% p.a. on balance transfers for 5 months
      • Earn up to 1 million Awards points each year
    • interest rate

      0.00% for 12 months then 20.24%

    • annual fees

      $425$395 if CBA customer when applying

    • balance transfer rate

      5.99% for 5 months and then cash rate

    • Go to site
    Click for more info
    • Bankwest Zero Platinum
      • No annual fee, ever
      • 2.99% p.a. o balance transfers for 9 months
      • 100% secure online application
    • interest rate

      17.99%

    • annual fees

      $0

    • balance transfer rate

      2.99% for 9 months

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    Click for more info

Top 5 Lowest interest rate

- based on ongoing interest rate
  1. 10.99%
    Virgin Money
  2. 11.99%
    Bankwest
    Breeze
  3. 12.99%
    Commonwealth Bank
  4. 13.49%
    Bank of Queensland
    Low Rate
  1. 8.99%
    Community First
  2. 9.99%
    Victoria Teachers Mutual Bank
  3. 10.12%
    Maritime, Mining & Power Credit Union
  4. 10.14%
    bankmecu
    Low Rate
  5. 10.49%
    SCU
  1. 12.99%
    Commonwealth Bank
  2. 13.49%
    ANZ
    Low Rate
  3. 13.49%
    Westpac
    Low Rate
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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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