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With over 190 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.

Today's sponsored deal

ANZ

ANZ Low Rate Credit Card

  • 0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
  • Ongoing interest rate of 13.49% p.a. on purchases
  • Up to 55 days interest free on purchases
Check it out
    • Westpac Low Rate (Online Only Offer)
      • 0.0% p.a. rate on balance transfers for 14 months when requested at card application
      • Low variable purchase rate, currently 12.49% p.a
      • Online offer only. Offer applies to applications approved by 5 January 2015
    • purchase rate

      12.49%

    • balance transfer rate

      0.00% for 14 months

    • annual fee

      $45

    • Go to site
    Click for more info
    • ANZ Low Rate
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Up to 55 days interest free on purchases
    • purchase rate

      13.49%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $58

    • Go to site
    Click for more info
    • NAB Low Rate Card
      • 0.0% p.a. on purchases for 15 months
      • Up to 55 days interest free on purchases
      • Low annual card fee $59
    • purchase rate

      0.00% for 15 months then 13.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $59

    • Go to site
    Click for more info
    • ANZ Low Rate Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary travel and medical insurance
    • purchase rate

      13.49%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $99

    • Go to site
    Click for more info
    • Bankwest More MasterCard
      • 0.0% p.a on balance transfers for 16 months
      • Receive up to 28,000 introductory bonus rewards points
      • Up to 55 interest free days on purchases
    • purchase rate

      19.49%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $70

    • Go to site
    Click for more info
    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Enjoy 10,000 rewards points offer. Conditions apply
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
    • purchase rate

      19.99%

    • balance transfer rate

      0.00% for 8 months and then cash rate

    • annual fee

      $0

    • Go to site
    Click for more info
    • American Express Platinum Edge Credit Card
      • No annual fee for the first year, $195 thereafter
      • Complimentary domestic economy return flight
      • 3 bonus points per dollar spent on eligible purchases
    • purchase rate

      20.74%

    • balance transfer rate

      0.99% for 6 months

    • annual fee

      $195$0 in the first year

    • Go to site
    Click for more info
    • 28 Degrees Platinum MasterCard
      • No international transaction fees on purchases and no currency conversion fees
      • $0 annual fee
      • 24/7 Worldwide Concierge Service
    • purchase rate

      20.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $0

    • Go to site
    Click for more info
    • Virgin Money Low Rate Card
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 44 interest free days on purchases
      • Visa payWave available on purchases under $100
    • purchase rate

      10.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $99

    • Go to site
    Click for more info
    • 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
    • purchase rate

      19.74%

    • balance transfer rate

      0.00% for 15 months

    • annual fee

      $90

    • Go to site
    Click for more info
    • Bankwest Qantas MasterCard
      • 0.0% p.a on balance transfers for 12 months
      • Receive up to 2,000 introductory bonus Qantas Points
      • Up to 55 interest free days on purchases
    • purchase rate

      19.99%

    • balance transfer rate

      0.00% for 12 months

    • annual fee

      $100

    • Go to site
    Click for more info
    • Coles No Annual Fee MasterCard
      • 0.0% Interest on purchases for 6 months. New customers approved by 31 December 2014
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • No annual fee
    • purchase rate

      0.00% for 6 months then 17.99%

    • balance transfer rate

    • annual fee

      $0

    • Go to site
    Click for more info
    • Virgin Money No Annual Fee Card
      • 0.0% p.a. on balance transfers for 14 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • purchase rate

      18.99%

    • balance transfer rate

      0.00% for 14 months and then cash rate

    • annual fee

      $0

    • Go to site
    Click for more info
    • ANZ Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • No annual fee in the first year
      • Discounted interest rate for eligible travel purchases
    • purchase rate

      19.74%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $87$0 in the first year, $0 when you spend over $20,000 p.a

    • Go to site
    Click for more info
    • ANZ First
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Enjoy the convenience of Visa payWave
      • Up to 44 days interest free on purchases
    • purchase rate

      19.74%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $30

    • Go to site
    Click for more info
    • HSBC Credit Card
      • $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
    • purchase rate

      17.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $0

    • Go to site
    Click for more info
    • St.George Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info
    • Bank of Melbourne Vertigo
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0.00% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    Click for more info
    • BankSA Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info

    • NAB Low Rate Card
      • 0.0% p.a. on purchases for 15 months
      • Up to 55 days interest free on purchases
      • Low annual card fee $59
    • purchase rate

      0.00% for 15 months then 13.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $59

    • Go to site
    Click for more info
    • ANZ Low Rate
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Up to 55 days interest free on purchases
    • purchase rate

      13.49%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $58

    • Go to site
    Click for more info
    • Virgin Money Low Rate Card
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 44 interest free days on purchases
      • Visa payWave available on purchases under $100
    • purchase rate

      10.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $99

    • Go to site
    Click for more info
    • Westpac Low Rate (Online Only Offer)
      • 0.0% p.a. rate on balance transfers for 14 months when requested at card application
      • Low variable purchase rate, currently 12.49% p.a
      • Online offer only. Offer applies to applications approved by 5 January 2015
    • purchase rate

      12.49%

    • balance transfer rate

      0.00% for 14 months

    • annual fee

      $45

    • Go to site
    Click for more info
    • Bankwest Breeze
      • 0.0% p.a. on balance transfers for 4 months
      • Low ongoing purchase rate of 12.24% p.a
      • Up to 3 additional cardholders at no additional cost
    • purchase rate

      12.24%

    • balance transfer rate

      0.00% for 4 months

    • annual fee

      $59

    • Go to site
    Click for more info
    • ANZ Low Rate Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary travel and medical insurance
    • purchase rate

      13.49%

    • balance transfer rate

      0.00% for 16 months

    • annual fee

      $99

    • Go to site
    Click for more info
    • Bank of Queensland Low Rate
      • 0% p.a. for 6 months on balance transfers
      • No annual fee for the first year
      • Up to 55 interest-free on purchases
    • purchase rate

      13.49%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $55$0 in the first year

    • Go to site
    Click for more info
    • Bankwest Breeze Gold
      • 0.0% p.a. on balance transfers for 4 months
      • Low ongoing purchase rate of 12.24% p.a
      • Up to 3 additional cardholders at no additional cost
    • purchase rate

      12.24%

    • balance transfer rate

      0.00% for 4 months

    • annual fee

      $89

    • Go to site
    Click for more info
    • St.George Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info
    • Bank of Melbourne Vertigo
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0.00% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    Click for more info
    • BankSA Vertigo
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0.00% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    Click for more info
    • BankSA Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info

    • 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
    • balance transfer rate

      0.00% for 15 months

    • purchase rate

      19.74%

    • annual fees

      $90

    • Go to site
    Click for more info
    • ANZ Low Rate
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Up to 55 days interest free on purchases
    • balance transfer rate

      0.00% for 16 months

    • purchase rate

      13.49%

    • annual fees

      $58

    • Go to site
    Click for more info
    • Bankwest More MasterCard
      • 0.0% p.a on balance transfers for 16 months
      • Receive up to 28,000 introductory bonus rewards points
      • Up to 55 interest free days on purchases
    • balance transfer rate

      0.00% for 16 months

    • purchase rate

      19.49%

    • annual fees

      $70

    • Go to site
    Click for more info
    • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
      • 0.0% p.a. on balance transfers for 14 months
      • Special offer earn 4x Velocity Points. Conditions apply
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • balance transfer rate

      0.00% for 14 months and then cash rate

    • purchase rate

      20.74%

    • annual fees

      $129

    • Go to site
    Click for more info
    • ANZ First
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Enjoy the convenience of Visa payWave
      • Up to 44 days interest free on purchases
    • balance transfer rate

      0.00% for 16 months

    • purchase rate

      19.74%

    • annual fees

      $30

    • Go to site
    Click for more info
    • Westpac Low Rate (Online Only Offer)
      • 0.0% p.a. rate on balance transfers for 14 months when requested at card application
      • Low variable purchase rate, currently 12.49% p.a
      • Online offer only. Offer applies to applications approved by 5 January 2015
    • balance transfer rate

      0.00% for 14 months

    • purchase rate

      12.49%

    • annual fees

      $45

    • Go to site
    Click for more info
    • Bankwest Qantas MasterCard
      • 0.0% p.a on balance transfers for 12 months
      • Receive up to 2,000 introductory bonus Qantas Points
      • Up to 55 interest free days on purchases
    • balance transfer rate

      0.00% for 12 months

    • purchase rate

      19.99%

    • annual fees

      $100

    • Go to site
    Click for more info
    • ANZ Low Rate Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary travel and medical insurance
    • balance transfer rate

      0.00% for 16 months

    • purchase rate

      13.49%

    • annual fees

      $99

    • Go to site
    Click for more info
    • ANZ Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • No annual fee in the first year
      • Discounted interest rate for eligible travel purchases
    • balance transfer rate

      0.00% for 16 months

    • purchase rate

      19.74%

    • annual fees

      $87$0 in the first year, $0 when you spend over $20,000 p.a

    • Go to site
    Click for more info
    • Bankwest Breeze
      • 0.0% p.a. on balance transfers for 4 months
      • Low ongoing purchase rate of 12.24% p.a
      • Up to 3 additional cardholders at no additional cost
    • balance transfer rate

      0.00% for 4 months

    • purchase rate

      12.24%

    • annual fees

      $59

    • Go to site
    Click for more info

    • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer
      • 0.0% p.a. on balance transfers for 6 months
      • 0.0% p.a. on purchases for up to 12 months
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • purchase rate

      0.00% for 12 months then 20.74%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • annual fee

      $129

    • Go to site
    Click for more info
    • Westpac Altitude (Rewards)
      • 0.0% p.a. for 12 months on purchases from card approval
      • 3.99% p.a. for 6 months on balance transfers requested at new card application
      • Up to 45 interest-free days on purchases
    • purchase rate

      0.00% for 12 months then 20.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $100

    • Go to site
    Click for more info
    • NAB Low Rate Card
      • 0.0% p.a. on purchases for 15 months
      • Up to 55 days interest free on purchases
      • Low annual card fee $59
    • purchase rate

      0.00% for 15 months then 13.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $59

    • Go to site
    Click for more info
    • Coles No Annual Fee MasterCard
      • 0.0% Interest on purchases for 6 months. New customers approved by 31 December 2014
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • No annual fee
    • purchase rate

      0.00% for 6 months then 17.99%

    • balance transfer rate

    • annual fee

      $0

    • Go to site
    Click for more info
    • St.George Vertigo
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0.00% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    Click for more info
    • St.George Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info
    • Bank of Melbourne Vertigo
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0.00% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    Click for more info
    • BankSA Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    Click for more info

    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Enjoy 10,000 rewards points offer. Conditions apply
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
    • annual fees

      $0

    • purchase rate

      19.99%

    • balance transfer rate

      0.00% for 8 months and then cash rate

    • Go to site
    Click for more info
    • NAB Low Fee Card
      • $0 annual fee offer for the first year
      • Up to 44 days interest free on purchases
      • $30 low annual fee
    • annual fees

      $30$0 in the first year

    • purchase rate

      19.74%

    • balance transfer rate

      4.99% for 6 months

    • Go to site
    Click for more info
    • 28 Degrees Platinum MasterCard
      • No international transaction fees on purchases and no currency conversion fees
      • $0 annual fee
      • 24/7 Worldwide Concierge Service
    • annual fees

      $0

    • purchase rate

      20.99%

    • balance transfer rate

      4.99% for 6 months

    • Go to site
    Click for more info
    • 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

    • purchase rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • Go to site
    Click for more info
    • Virgin Money No Annual Fee Card
      • 0.0% p.a. on balance transfers for 14 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • annual fees

      $0

    • purchase rate

      18.99%

    • balance transfer rate

      0.00% for 14 months and then cash rate

    • Go to site
    Click for more info
    • Coles No Annual Fee MasterCard
      • 0.0% Interest on purchases for 6 months. New customers approved by 31 December 2014
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • No annual fee
    • annual fees

      $0

    • purchase rate

      0.00% for 6 months then 17.99%

    • balance transfer rate

    • Go to site
    Click for more info
    • Westpac 55 Day Card
      • No annual fee in the first year
      • 0.0% p.a. on balance transfers for 6 months
      • Up to 55 interest-free days on purchases
    • annual fees

      $30$0 in the first year, $0 when you spend over $5,000 p.a

    • purchase rate

      19.84%

    • balance transfer rate

      0.00% for 6 months

    • Go to site
    Click for more info
    • HSBC Credit Card
      • $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

    • purchase rate

      17.99%

    • balance transfer rate

      0.00% for 6 months and then cash rate

    • Go to site
    Click for more info
    • 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
    • annual fees

      $0

    • purchase rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • Go to site
    Click for more info

    • American Express Platinum Edge Credit Card
      • No annual fee for the first year, $195 thereafter
      • Complimentary domestic economy return flight
      • 3 bonus points per dollar spent on eligible purchases
    • purchase rate

      20.74%

    • annual fees

      $195$0 in the first year

    • balance transfer rate

      0.99% for 6 months

    • Go to site
    Click for more info
    • 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
    • purchase rate

      19.74%

    • annual fees

      $90

    • balance transfer rate

      0.00% for 15 months

    • Go to site
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    • Bank of Queensland Platinum
      • 0% p.a. on purchases for 9 months
      • 0% on balance transfers up to 9 months
      • Only half the annual fee for life
    • purchase rate

      0.00% for 9 months then 20.74%

    • annual fees

      $99

    • balance transfer rate

      0.00% for 9 months and then cash rate

    • Go to site
    Click for more info
    • 28 Degrees Platinum MasterCard
      • No international transaction fees on purchases and no currency conversion fees
      • $0 annual fee
      • 24/7 Worldwide Concierge Service
    • purchase rate

      20.99%

    • annual fees

      $0

    • balance transfer rate

      4.99% for 6 months

    • Go to site
    Click for more info
    • Westpac 55 Day Platinum Card
      • No annual fee for the first year
      • Complimentary travel insurance
      • Up to 55 days interest-free on purchases
    • purchase rate

      19.84%

    • annual fees

      $90$0 in the first year, $0 when you spend over $10,000 p.a

    • balance transfer rate

      0.00% for 6 months

    • Go to site
    Click for more info
    • Bankwest More Platinum MasterCard
      • 0.0% p.a on balance transfers for 16 months
      • Receive up to 50,000 introductory bonus rewards points
      • No foreign transaction fees on online and overseas purchases
    • purchase rate

      19.49%

    • annual fees

      $130

    • balance transfer rate

      0.00% for 16 months

    • Go to site
    Click for more info
    • ANZ Low Rate Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary travel and medical insurance
    • purchase rate

      13.49%

    • annual fees

      $99

    • balance transfer rate

      0.00% for 16 months

    • Go to site
    Click for more info
    • Bankwest Qantas Platinum MasterCard
      • 0.0% p.a on balance transfers for 12 months
      • Receive up to 8,000 introductory bonus Qantas Points
      • Complimentary international travel insurance
    • purchase rate

      19.99%

    • annual fees

      $160

    • balance transfer rate

      0.00% for 12 months

    • Go to site
    Click for more info
    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Enjoy 10,000 rewards points offer. Conditions apply
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
    • purchase rate

      19.99%

    • annual fees

      $0

    • balance transfer rate

      0.00% for 8 months and then cash rate

    • Go to site
    Click for more info
    • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
      • 0.0% p.a. on balance transfers for 14 months
      • Special offer earn 4x Velocity Points. Conditions apply
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • purchase rate

      20.74%

    • annual fees

      $129

    • balance transfer rate

      0.00% for 14 months and then cash rate

    • Go to site
    Click for more info
    • Bankwest Breeze Platinum
      • 0.0% p.a. on balance transfers for 4 months
      • Low ongoing purchase rate of 12.24% p.a
      • No foreign transaction fees on online and overseas purchases
    • purchase rate

      12.24%

    • annual fees

      $99

    • balance transfer rate

      0.00% for 4 months

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

      17.99%

    • annual fees

      $0

    • balance transfer rate

      2.99% for 9 months

    • Go to site
    Click for more info
    • ANZ Platinum
      • 0.0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • No annual fee in the first year
      • Discounted interest rate for eligible travel purchases
    • purchase rate

      19.74%

    • annual fees

      $87$0 in the first year, $0 when you spend over $20,000 p.a

    • balance transfer rate

      0.00% for 16 months

    • Go to site
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    • St.George Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • annual fees

      $99

    • balance transfer rate

      3.99% for 6 months

    • Go to site
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    • Bank of Melbourne Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • annual fees

      $99

    • balance transfer rate

      3.99% for 6 months

    • Go to site
    Click for more info
    • BankSA Vertigo Platinum
      • 0.0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0.00% for 12 months then 12.74%

    • annual fees

      $99

    • balance transfer rate

      3.99% for 6 months

    • Go to site
    Click for more info

    • HSBC Platinum Qantas Credit Card
      • 20,000 bonus Qantas Points when you apply by 31 December 2014
      • 0.0% p.a. on balance transfers for 6 months. Conditions apply
      • $0 additional cardholder fee
    • points per $ spent

      1 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $8,000

    • annual fees

      $199

    • Go to site
    Click for more info
    • American Express Platinum Rewards Credit Card
      • 5,000 Membership Reward points when you spend over $500 in the first 2 months
      • 0.99% p.a. on balance transfers for 6 months for new cardmembers
      • No annual fee for the first year
    • points per $ spent

      1 points per dollar on Amex, uncapped

    • spend req syd-mel flight*

      $6,900

    • annual fees

      $80$0 in the first year

    • Go to site
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    • ANZ Rewards Platinum
      • Earn 25,000 Bonus Points on your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Complimentary travel and medical insurance
    • points per $ spent

      3 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $5,175 (on Amex, or $10,350 on Visa)

    • annual fees

      $149$0 in the first year

    • Go to site
    Click for more info
    • American Express Velocity Platinum Card
      • 0.99% p.a. on balance transfers for the first 6 months
      • Earn up to 3 bonus points per dollar spent on eligible purchases
      • Earn up to 50,000 bonus Velocity Points, limited time only
    • points per $ spent

      1 points per dollar on Amex, uncapped

    • spend req syd-mel flight*

      $6,900

    • annual fees

      $349

    • Go to site
    Click for more info
    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Enjoy 10,000 rewards points offer. Conditions apply
      • 0.0% p.a. on balance transfers for 8 months. Conditions apply
    • points per $ spent

      1 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $24,200

    • annual fees

      $0

    • Go to site
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    • Westpac Altitude Platinum (Rewards)
      • Enjoy 0.0% p.a. for 12 months on purchases from card approval
      • 3.99% p.a. for 6 months on balance transfers at card application
      • Complimentary Overseas Travel Insurance
    • points per $ spent

      2 points per dollar on Amex, 1 points per dollar on Visa, up to 7500 points per month

    • spend req syd-mel flight*

      $6,900 (on Amex, or $13,800 on Visa)

    • annual fees

      $150

    • Go to site
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    • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
      • 0.0% p.a. on balance transfers for 14 months
      • Special offer earn 4x Velocity Points. Conditions apply
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • points per $ spent

      1 points per dollar on Visa, up to $1,500 per month
      0.5 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $6,900

    • annual fees

      $129

    • Go to site
    Click for more info
    • 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
    • points per $ spent

    • spend req syd-mel flight*

    • annual fees

      $0

    • Go to site
    Click for more info
    • ANZ Frequent Flyer
      • 25,000 Bonus Qantas Points after your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Up to 44 interest free days on purchases
    • points per $ spent

      1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $3,000 per month

    • spend req syd-mel flight*

      $8,000 (on Amex, or $16,000 on Visa)

    • annual fees

      $95$0 in the first year

    • Go to site
    Click for more info
    • Virgin Money Virgin Australia Velocity High Flyer Card - Introductory Annual Fee Offer
      • 1.9% p.a. for 12 months on balance transfers
      • Earn up to 20,000 bonus Velocity Points
      • Half annual fee waiver in the first year
    • points per $ spent

      1.25 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $5,520

    • annual fees

      $289$144 in the first year

    • Go to site
    Click for more info
    • NAB Velocity Rewards Premium Card
      • 20,000 bonus Velocity Points. Conditions apply
      • Earn Velocity Points on eligible everyday purchases
      • Up to 44 days interest free on purchases
    • points per $ spent

      1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month

    • spend req syd-mel flight*

      $4,600 (on Amex, or $13,800 on Visa)

    • annual fees

      $150

    • Go to site
    Click for more info
    • American Express Velocity Escape Card
      • 0.99% p.a. on balance transfers for the first 6 months
      • No annual fee
      • Earn up to 10,000 bonus Velocity Points, limited time only
    • points per $ spent

      1 points per dollar on Amex, uncapped

    • spend req syd-mel flight*

      $6,900

    • annual fees

      $0

    • Go to site
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    • NAB Qantas Rewards Premium Card
      • Receive 40,000 bonus Qantas Points. Conditions apply
      • Earn Qantas Points on eligible everyday purchases
      • Up to 44 days interest free on purchases
    • points per $ spent

      1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month

    • spend req syd-mel flight*

      $5,333 (on Amex, or $16,000 on Visa)

    • annual fees

      $250

    • Go to site
    Click for more info
    • ANZ Rewards
      • Earn 25,000 Bonus Points on your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Up to 44 interest free days on purchases
    • points per $ spent

      2 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $7,763 (on Amex, or $10,350 on Visa)

    • annual fees

      $89$0 in the first year

    • Go to site
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    • NAB Qantas Rewards Card
      • Receive 20,000 bonus Qantas Points. Conditions apply
      • Earn Qantas Points on eligible everyday purchases
      • $65 annual card fee
    • points per $ spent

      1 points per dollar on Amex, 0.5 points per dollar on MasterCard, up to $100,000 per month

    • spend req syd-mel flight*

      $8,000 (on Amex, or $16,000 on MasterCard)

    • annual fees

      $65

    • Go to site
    Click for more info
    • Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer
      • Earn up to 15,000 bonus Velocity Points. Conditions apply
      • 0% p.a. for 6 months on balance transfers
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • points per $ spent

      1 points per dollar on Visa, up to $1,500 per month
      0.5 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $6,900

    • annual fees

      $129

    • Go to site
    Click for more info
    • ANZ Frequent Flyer Platinum
      • 25,000 Bonus Qantas Points after your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Complimentary travel and medical insurances included
    • points per $ spent

      1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $6,000 per month

    • spend req syd-mel flight*

      $5,333 (on Amex, or $16,000 on Visa)

    • annual fees

      $295$0 in the first year

    • Go to site
    Click for more info
    • ANZ Rewards Black
      • Earn 25,000 Bonus Points on your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Complimentary international travel insurance
    • points per $ spent

      3 points per dollar on Amex, 2 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $5,175 (on Amex, or $7,763 on Visa)

    • annual fees

      $375$0 in the first year

    • Go to site
    Click for more info
    • American Express Qantas Discovery Card
      • No annual fee for the life of the card
      • 0.99% p.a. on balance transfers for the first 6 months
      • Receive up to 7,500 Qantas points when you apply by 31 January 2015
    • points per $ spent

      1 points per dollar on Amex, uncapped

    • spend req syd-mel flight*

      $8,000

    • annual fees

      $0

    • Go to site
    Click for more info
    • ANZ Frequent Flyer Black
      • 25,000 Bonus Qantas Points after your first eligible purchase
      • $0 annual fee for the first year, apply by 13 January 2015
      • Complimentary travel and medical insurances included
    • points per $ spent

      1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

    • spend req syd-mel flight*

      $5,333 (on Amex, or $10,667 on Visa)

    • annual fees

      $425$0 in the first year

    • Go to site
    Click for more info
    • NAB Velocity Rewards Card
      • 10,000 bonus Velocity Points. Conditions apply
      • Earn Velocity Points on eligible everyday purchases
      • Annual card fee $65
    • points per $ spent

      1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month

    • spend req syd-mel flight*

      $6,900 (on Amex, or $13,800 on Visa)

    • annual fees

      $65

    • Go to site
    Click for more info
    • NAB flybuys Rewards Card
      • Experts Choice 2014 Winner Best Premium Credit Card
      • Apply by 18 January 2015 and make a purchase to receive 10,000 bonus Flybuys points
      • Earn 1 flybuys point for every $1 spent on eligible everyday purchases
    • points per $ spent

      1 points per dollar on Visa, up to $100,000 per month

    • spend req syd-mel flight*

      $24,200

    • annual fees

      $65

    • Go to site
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Top 5 Lowest interest rate

- based on ongoing interest rate
  1. Go to site
     
    10.99%
    Virgin Money
    – Low Rate Card
  2. Go to site
     
    12.24%
    Bankwest
    – Breeze
  3. Go to site
     
    12.49%
    Westpac
    – Low Rate (Online Only Offer)
  4. Go to site
     
    13.24%
    Bank of Melbourne
    – Vertigo
  5. Go to site
     
    13.24%
    St.George
    – Vertigo
  1. 8.99%
    Community First Credit Union
    – McGrath Pink Visa
  2. 9.99%
    ME Bank
    – Low Rate Credit Card
  3. 9.99%
    Victoria Teachers Mutual Bank
    – Visa Platinum Credit Card
  4. 9.99%
    G&C; Mutual Bank
    – Low Rate Credit Card
  5. 10.12%
    Maritime, Mining & Power Credit Union
    – Visa Credit Card
  1. Go to site
     
    12.49%
    Westpac
    – Low Rate (Online Only Offer)
  2. 13.49%
    Commonwealth Bank
    – Low Rate Credit Card
  3. Go to site
     
    13.49%
    ANZ
    – Low Rate
  4. Go to site
     
    13.99%
    NAB
    – Low Rate Card
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