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Pay no interest for 6 months

0% p.a. for 6 months on purchases and balances
Plus half price annual fee of $49 in the first year
Up to 55 days interest free

Citibank
Clear Platinum

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Popular credit cards Search all credit cards | updated 24/05/11

top picks
low rate
balance transfer
intro rate
low annual fee
rewards
gold
platinum

	Intro interest rate	Interest rate	Balance transfer rate		Key features
Bankwest Lite	5.99% for 12 months	10.75%	5.99% for 12 months	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
ME Bank MasterCard		12.25%		see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site
Bank of Queensland Low Rate	0.00% for 3 months	13.49%	0.00% for 3 months	see more details	0% p.a. for three months on purchases. No annual fee for the first year.	Like this card? Go to site
ANZ Low Rate		13.49%	2.90% for 12 months	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site
Citibank Gold		20.99%	1.90% for 15 months and then 21.74%	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Virgin Money Virgin Flyer Credit Card		20.99%	2.90% for 6 months	see more details	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.	Like this card? Go to site

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Bankwest

Lite
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Intro interest rate	Interest rate	Balance transfer rate	Key features
5.99% for 12 months	10.75%	5.99% for 12 months	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Annual fee: $59.00
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.99%
Fee for cash withdrawals: 2%, min $4.00

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ME Bank

MasterCard
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Intro interest rate	Interest rate	Balance transfer rate	Key features
	12.25%		No charge for up to 8 additional card holders. Low annual rate of $39.

Annual fee: $39.00
Interest free days: 44
Rewards description

Interest rate on cash withdrawals: 12.25%
Fee for cash withdrawals: $1.25

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Bank of Queensland

Low Rate
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Intro interest rate	Interest rate	Balance transfer rate	Key features
0.00% for 3 months	13.49%	0.00% for 3 months	0% p.a. for three months on purchases. No annual fee for the first year.

Annual fee: $55.00
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

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ANZ

Low Rate
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Intro interest rate	Interest rate	Balance transfer rate	Key features
	13.49%	2.90% for 12 months	2.9% Balance Transfer for 12 months

Annual fee: $58.00
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%

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Citibank

Gold
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Intro interest rate	Interest rate	Balance transfer rate	Key features
	20.99%	1.90% for 15 months and then 21.74%	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Annual fee: $149.00
Interest free days: 55
Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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Virgin Money

Virgin Flyer Credit Card
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Intro interest rate	Interest rate	Balance transfer rate	Key features
	20.99%	2.90% for 6 months	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.

Annual fee: $99.00
Interest free days: 44
Rewards description: Earn 1 velocity point per $1 spent up to $1,500 a month, and then 1 velocity point for every $2. plus, get 4 free flights a year, every year.

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2.7%, min $2.70

	Interest rate	Balance transfer rate	Annual fee		Key features
Bankwest Lite	10.75%	5.99% for 12 months	$59.00	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
ME Bank MasterCard	12.25%		$39.00	see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site
Aussie Aussie MasterCard	13.29%	2.99% for 12 months	$49.00	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site
Bank of Queensland Low Rate	13.49%	0.00% for 3 months	$55.00	see more details	0% p.a. for three months on purchases. No annual fee for the first year.	Like this card? Go to site
Westpac Low Rate	13.49%	3.99% for 6 months	$45.00	see more details	Get a 60 second online response	Like this card? Go to site
ANZ Low Rate	13.49%	2.90% for 12 months	$58.00	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site
NAB Low Rate	13.49%	3.99% for 6 months	$49.00	see more details	Get a response in 60 seconds. Choose between a pink and a silver card.	Like this card? Go to site

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Bankwest

Lite
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Interest rate	Balance transfer rate	Annual fee	Key features
10.75%	5.99% for 12 months	$59.00	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Introductory interest rate: 5.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.99%
Fee for cash withdrawals: 2%, min $4.00

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ME Bank

MasterCard
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Interest rate	Balance transfer rate	Annual fee	Key features
12.25%		$39.00	No charge for up to 8 additional card holders. Low annual rate of $39.

Introductory interest rate
Interest free days: 44
Rewards description

Interest rate on cash withdrawals: 12.25%
Fee for cash withdrawals: $1.25

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Aussie

Aussie MasterCard
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Interest rate	Balance transfer rate	Annual fee	Key features
13.29%	2.99% for 12 months	$49.00	2.99%p.a. on balance transfers for the first 12 months

Introductory interest rate: 9.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 19.99%
Fee for cash withdrawals: 2%, min $4

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Bank of Queensland

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	0.00% for 3 months	$55.00	0% p.a. for three months on purchases. No annual fee for the first year.

Introductory interest rate: 0.00% for 3 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

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Westpac

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	3.99% for 6 months	$45.00	Get a 60 second online response

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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ANZ

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	2.90% for 12 months	$58.00	2.9% Balance Transfer for 12 months

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%

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NAB

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	3.99% for 6 months	$49.00	Get a response in 60 seconds. Choose between a pink and a silver card.

Introductory interest rate: 3.99% for 6 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

	Balance transfer rate	Interest rate	Annual fees		Key features
Westpac Earth	0.99% for 6 months	19.99%	$75	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
Citibank Gold	1.90% for 15 months and then 21.74%	20.99%	$149	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
ANZ Low Rate	2.90% for 12 months	13.49%	$58	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site
Aussie Aussie MasterCard	2.99% for 12 months	13.29%	$49	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site
Virgin Money Virgin Flyer Credit Card	2.90% for 6 months	20.99%	$99	see more details	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	3.99% for 6 months	19.59%	$30 $0 in the first 1 year	see more details	0% p.a. on purchases for your first 5 months. $0 annual fee in your first year.	Like this card? Go to site
Westpac Low Rate	3.99% for 6 months	13.49%	$45	see more details	Get a 60 second online response	Like this card? Go to site

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Westpac

Earth
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Balance transfer rate	Interest rate	Annual fees	Key features
0.99% for 6 months	19.99%	$75	Complimentary Qantas Frequent Flyer membership for approved applications

Introductory interest rate
Interest free days: 45
Rewards description: Points are automatically credited to the qantas frequent flyer program.

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Citibank

Gold
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Balance transfer rate	Interest rate	Annual fees	Key features
1.90% for 15 months and then 21.74%	20.99%	$149	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Interest free days: 55
Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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ANZ

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
2.90% for 12 months	13.49%	$58	2.9% Balance Transfer for 12 months

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%

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Aussie

Aussie MasterCard
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Balance transfer rate	Interest rate	Annual fees	Key features
2.99% for 12 months	13.29%	$49	2.99%p.a. on balance transfers for the first 12 months

Introductory interest rate: 9.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 19.99%
Fee for cash withdrawals: 2%, min $4

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Virgin Money

Virgin Flyer Credit Card
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Balance transfer rate	Interest rate	Annual fees	Key features
2.90% for 6 months	20.99%	$99	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.

Introductory interest rate
Interest free days: 44
Rewards description: Earn 1 velocity point per $1 spent up to $1,500 a month, and then 1 velocity point for every $2. plus, get 4 free flights a year, every year.

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2.7%, min $2.70

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Westpac

55 Day MasterCard or Visa
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Balance transfer rate	Interest rate	Annual fees	Key features
3.99% for 6 months	19.59%	$30 $0 in the first 1 year	0% p.a. on purchases for your first 5 months. $0 annual fee in your first year.

Introductory interest rate: 0.00% for 5 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Westpac

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
3.99% for 6 months	13.49%	$45	Get a 60 second online response

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

	Intro interest rate	Interest rate	Annual fee		Key features
Bank of Queensland Low Rate	0.00% for 3 months	13.49%	$55.00	see more details	0% p.a. for three months on purchases. No annual fee for the first year.	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	0.00% for 5 months	19.59%	$30.00	see more details	$0 annual fee in your first year	Like this card? Go to site
Bankwest Lite	5.99% for 12 months	10.75%	$59.00	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
Bankwest Zero Gold	5.99% for 9 months	16.99%	$0.00	see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
Aussie Aussie MasterCard	9.99% for 12 months	13.29%	$49.00	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site

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Bank of Queensland

Low Rate
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Intro interest rate	Interest rate	Annual fee	Key features
0.00% for 3 months	13.49%	$55.00	0% p.a. for three months on purchases. No annual fee for the first year.

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Westpac

55 Day MasterCard or Visa
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Intro interest rate	Interest rate	Annual fee	Key features
0.00% for 5 months	19.59%	$30.00	$0 annual fee in your first year

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Bankwest

Lite
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Intro interest rate	Interest rate	Annual fee	Key features
5.99% for 12 months	10.75%	$59.00	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

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Bankwest

Zero Gold
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Intro interest rate	Interest rate	Annual fee	Key features
5.99% for 9 months	16.99%	$0.00	Gold Perks. Zero annual fee.

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Aussie

Aussie MasterCard
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Intro interest rate	Interest rate	Annual fee	Key features
9.99% for 12 months	13.29%	$49.00	2.99%p.a. on balance transfers for the first 12 months

	Annual fees	Interest rate	Interest free days		Key features
Bankwest Zero Gold	$0	16.99%	55	see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
ANZ Platinum	$87 $0 in the first 1 year	19.24%	55	see more details	$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.	Like this card? Go to site
Bank of Queensland Low Rate	$55 $0 in the first 1 year	13.49%	55	see more details	0% p.a. for three months on purchases. No annual fee for the first year.	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	$30 $0 in the first 1 year	19.59%	55	see more details	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.	Like this card? Go to site
ANZ First	$30 $0 in the first 1 year	19.24%	44	see more details	$0 Annual Account Fee for the first 12 months	Like this card? Go to site
American Express Qantas American Express Discovery Card	$0	20.74%	44	see more details	10,000 extra Qantas Frequent Flyer points. No annual fee.	Like this card? Go to site
NAB Low Fee Card	$30	19.74%	44	see more details	Additional cardholder at no extra cost.	Like this card? Go to site
ME Bank MasterCard	$39	12.25%	44	see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site
Westpac Low Rate	$45	13.49%	55	see more details	Get a 60 second online response	Like this card? Go to site

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Bankwest

Zero Gold
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Annual fees	Interest rate	Interest free days	Key features
$0	16.99%	55	Gold Perks. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Rewards description

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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ANZ

Platinum
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Annual fees	Interest rate	Interest free days	Key features
$87 $0 in the first 1 year	19.24%	55	$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.

Introductory interest rate
Balance transfer rate
Rewards description

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

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Bank of Queensland

Low Rate
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Annual fees	Interest rate	Interest free days	Key features
$55 $0 in the first 1 year	13.49%	55	0% p.a. for three months on purchases. No annual fee for the first year.

Introductory interest rate: 0.00% for 3 months
Balance transfer rate: 0.00% for 3 months
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

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Westpac

55 Day MasterCard or Visa
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Annual fees	Interest rate	Interest free days	Key features
$30 $0 in the first 1 year	19.59%	55	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.

Introductory interest rate: 0.00% for 5 months
Balance transfer rate: 3.99% for 6 months
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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ANZ

First
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Annual fees	Interest rate	Interest free days	Key features
$30 $0 in the first 1 year	19.24%	44	$0 Annual Account Fee for the first 12 months

Introductory interest rate
Balance transfer rate: 7.99% for 6 months
Rewards description

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

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American Express

Qantas American Express Discovery Card
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Annual fees	Interest rate	Interest free days	Key features
$0	20.74%	44	10,000 extra Qantas Frequent Flyer points. No annual fee.

Introductory interest rate
Balance transfer rate
Rewards description: Points are automatically credited to the qantas frequent flyer program.

Interest rate on cash withdrawals
Fee for cash withdrawals

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NAB

Low Fee Card
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Annual fees	Interest rate	Interest free days	Key features
$30	19.74%	44	Additional cardholder at no extra cost.

Introductory interest rate: 1.99% for 6 months
Balance transfer rate: 1.99% for 6 months
Rewards description: Earn flybuys points. redeem them for travel, cashback, gift cards, retail rewards and shopping gift cards.

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

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ME Bank

MasterCard
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Annual fees	Interest rate	Interest free days	Key features
$39	12.25%	44	No charge for up to 8 additional card holders. Low annual rate of $39.

Introductory interest rate
Balance transfer rate
Rewards description

Interest rate on cash withdrawals: 12.25%
Fee for cash withdrawals: $1.25

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Westpac

Low Rate
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Annual fees	Interest rate	Interest free days	Key features
$45	13.49%	55	Get a 60 second online response

Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

	Rewards description	Annual fees		Key features
Virgin Money Virgin Flyer Credit Card	Earn 1 Velocity Point per $1 spent up to $1,500 a month, and then 1 Velocity Point for every $2. Plus, get 4 free flights a year, every year.	$99	see more details	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.	Like this card? Go to site
ANZ Rewards	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$89	see more details	20,000 bonus rewards points	Like this card? Go to site
Westpac Altitude Gold	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$150	see more details	Offer - 10,000 bonus Altitude points	Like this card? Go to site
ANZ Frequent Flyer	Points are automatically credited to the Qantas Frequent Flyer program.	$95	see more details	Bonus 16,000 Qantas Frequent Flyer points if you apply by 5 June 2011	Like this card? Go to site
Citibank Gold	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	$149	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
NAB Qantas Card	Points are automatically credited to the Qantas Frequent Flyer program.	$65	see more details	Earn Triple Qantas Frequent Flyer points until 1 September 2011.	Like this card? Go to site
Westpac Singapore Airlines Gold	Points are automatically credited to the KrisFlyer program.	$125	see more details	5000 bonus KrisFlyer miles offer.	Like this card? Go to site
Westpac Earth	Points are automatically credited to the Qantas Frequent Flyer program.	$75	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
American Express Qantas American Express Discovery Card	Points are automatically credited to the Qantas Frequent Flyer program.	$0	see more details	10,000 extra Qantas Frequent Flyer points. No annual fee.	Like this card? Go to site

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Virgin Money

Virgin Flyer Credit Card
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Rewards description	Annual fees	Key features
Earn 1 Velocity Point per $1 spent up to $1,500 a month, and then 1 Velocity Point for every $2. Plus, get 4 free flights a year, every year.	$99	Mozo exclusive offer: Earn 20,000 Velocity Points and 4 free flights a year.

Interest rate: 20.99%
Introductory interest rate
Balance transfer rate: 2.90% for 6 months
Interest free days: 44

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2.7%, min $2.70

product info

ANZ

Rewards
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$89	20,000 bonus rewards points

Interest rate: 19.74%
Introductory interest rate
Balance transfer rate
Interest free days: 44

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Westpac

Altitude Gold
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$150	Offer - 10,000 bonus Altitude points

Interest rate: 19.99%
Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

ANZ

Frequent Flyer
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$95	Bonus 16,000 Qantas Frequent Flyer points if you apply by 5 June 2011

Interest rate: 19.74%
Introductory interest rate
Balance transfer rate
Interest free days: 44

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Citibank

Gold
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	$149	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Interest rate: 20.99%
Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

NAB

Qantas Card
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$65	Earn Triple Qantas Frequent Flyer points until 1 September 2011.

Interest rate: 20.24%
Introductory interest rate
Balance transfer rate: 4.99% for 6 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

product info

Westpac

Singapore Airlines Gold
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Rewards description	Annual fees	Key features
Points are automatically credited to the KrisFlyer program.	$125	5000 bonus KrisFlyer miles offer.

Interest rate: 19.49%
Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

Westpac

Earth
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$75	Complimentary Qantas Frequent Flyer membership for approved applications

Interest rate: 19.99%
Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

American Express

Qantas American Express Discovery Card
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$0	10,000 extra Qantas Frequent Flyer points. No annual fee.

Interest rate: 20.74%
Introductory interest rate
Balance transfer rate
Interest free days: 44

Interest rate on cash withdrawals
Fee for cash withdrawals

	Interest rate	Annual fees	Rewards description		Key features
ANZ Platinum	19.24%	$87 $0 in the first 1 year		see more details	$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.	Like this card? Go to site
Bankwest Zero Platinum	16.99%	$0		see more details	Platinum status. Zero annual fee.	Like this card? Go to site
Bankwest Zero Gold	16.99%	$0		see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
Citibank Gold	20.99%	$149	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Westpac Altitude Gold	19.99%	$150	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Offer - 10,000 bonus Altitude points	Like this card? Go to site
Westpac Earth Gold	19.99%	$125	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
Westpac Singapore Airlines Gold	19.49%	$125	Points are automatically credited to the KrisFlyer program.	see more details	5000 bonus KrisFlyer miles offer.	Like this card? Go to site
NAB Qantas Gold Card	20.24%	$146	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Earn Triple Qantas Frequent Flyer points until 1 September 2011.	Like this card? Go to site
NAB Gold Card	19.74%	$90	Flybuys. Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	see more details	Access to NAB Cellar Selections – 400+ Australian wine producers	Like this card? Go to site

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ANZ

Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.24%	$87 $0 in the first 1 year		$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.

Introductory interest rate
Balance transfer rate
Interest free days: 55

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

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Bankwest

Zero Platinum
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Interest rate	Annual fees	Rewards description	Key features
16.99%	$0		Platinum status. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Interest free days: 55

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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Bankwest

Zero Gold
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Interest rate	Annual fees	Rewards description	Key features
16.99%	$0		Gold Perks. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Interest free days: 55

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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Citibank

Gold
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$149	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

Westpac

Altitude Gold
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$150	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	Offer - 10,000 bonus Altitude points

Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Westpac

Earth Gold
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$125	Points are automatically credited to the Qantas Frequent Flyer program.	Complimentary Qantas Frequent Flyer membership for approved applications

Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Westpac

Singapore Airlines Gold
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Interest rate	Annual fees	Rewards description	Key features
19.49%	$125	Points are automatically credited to the KrisFlyer program.	5000 bonus KrisFlyer miles offer.

Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

NAB

Qantas Gold Card
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Interest rate	Annual fees	Rewards description	Key features
20.24%	$146	Points are automatically credited to the Qantas Frequent Flyer program.	Earn Triple Qantas Frequent Flyer points until 1 September 2011.

Introductory interest rate
Balance transfer rate: 4.99% for 6 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

product info

NAB

Gold Card
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Interest rate	Annual fees	Rewards description	Key features
19.74%	$90	Flybuys. Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	Access to NAB Cellar Selections – 400+ Australian wine producers

Introductory interest rate
Balance transfer rate: 4.99% for 6 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

	Interest rate	Annual fees	Rewards description		Key features
Bankwest Zero Platinum	16.99%	$0		see more details	Platinum status. Zero annual fee.	Like this card? Go to site
ANZ Platinum	19.24%	$87 $0 in the first 1 year		see more details	$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.	Like this card? Go to site
Citibank Platinum	20.99%	$199	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Westpac Singapore Airlines Platinum	19.49%	$250	Points are automatically credited to the KrisFlyer program.	see more details	10000 bonus KrisFlyer miles offer.	Like this card? Go to site
ANZ Frequent Flyer Platinum	19.74%	$295	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Bonus 20,000 Qantas Frequent Flyer points if you apply by 5 June 2011	Like this card? Go to site
Westpac Altitude Platinum	19.99%	$295	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Offer - 15,000 bonus Altitude points	Like this card? Go to site
Citibank Emirates Citi Platinum Card	20.99%	$229	Points are automatically credited to the Emirates Skywards Program	see more details	Earn 3 Skywards Miles for every $1 spent up to 25,000 Miles	Like this card? Go to site
NAB Qantas Platinum Card	20.24%	$290	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	No cap on the points you can earn.	Like this card? Go to site

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Bankwest

Zero Platinum
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Interest rate	Annual fees	Rewards description	Key features
16.99%	$0		Platinum status. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Interest free days: 55

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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ANZ

Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.24%	$87 $0 in the first 1 year		$0 Annual Fee for the first year. $0 Annual Fee in following years if annual spend exceeds $20,000.

Introductory interest rate
Balance transfer rate
Interest free days: 55

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Citibank

Platinum
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$199	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

Westpac

Singapore Airlines Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.49%	$250	Points are automatically credited to the KrisFlyer program.	10000 bonus KrisFlyer miles offer.

Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2%, min $2.50, max $150

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ANZ

Frequent Flyer Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.74%	$295	Points are automatically credited to the Qantas Frequent Flyer program.	Bonus 20,000 Qantas Frequent Flyer points if you apply by 5 June 2011

Introductory interest rate
Balance transfer rate
Interest free days: 55

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Westpac

Altitude Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$295	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	Offer - 15,000 bonus Altitude points

Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

Citibank

Emirates Citi Platinum Card
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$229	Points are automatically credited to the Emirates Skywards Program	Earn 3 Skywards Miles for every $1 spent up to 25,000 Miles

Introductory interest rate
Balance transfer rate: 2.90% for 6 months and then 21.24%
Interest free days: 55

Interest rate on cash withdrawals: 21.24%
Fee for cash withdrawals: 2.70%, min $2.70

product info

NAB

Qantas Platinum Card
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Interest rate	Annual fees	Rewards description	Key features
20.24%	$290	Points are automatically credited to the Qantas Frequent Flyer program.	No cap on the points you can earn.

Introductory interest rate
Balance transfer rate: 6.99% for 6 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

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big banks

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1.
10.75%
Bankwest
– Lite
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2.
11.99%
Citibank
– Clear Platinum
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3.
12.25%
ME Bank
– MasterCard
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4.
13.29%
Aussie
– Aussie MasterCard
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5.
13.49%
NAB
– Low Rate

1.
10.49%
SCU Sydney Credit Union
– Low Rate Visa Credit Card
1.
10.49%
Community First
– McGrath Pink Visa
3.
10.74%
mecu
– Low Rate
3.
10.74%
Greater Building Society
– Greater Visa
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5.
10.75%
Bankwest
– Lite

1.
13.24%
St George
– Vertigo
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2.
13.49%
NAB
– Low Rate
2.
13.49%
Commonwealth Bank
– Low Rate Credit Card
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2.
13.49%
ANZ
– Low Rate
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2.
13.49%
Westpac
– Low Rate

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