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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

American Express Essential Credit Card
- Earn up to 1 Membership Rewards point for every $1 spent
- $0 annual fee
- 0% p.a. on balance transfers for the first 12 months
balance transfer rate
0.00% for 12 months
purchase rate
14.99%
annual fee
$0
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balance transfer rate	0.00% for 12 months
annual fee	$0
purchase rate	14.99%
Interest free days	55
Interest rate on cash withdrawals
Fee for cash withdrawals
Rewards description	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

St.George Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
balance transfer rate
0.00% for 18 months and then 21.49%
purchase rate
0.00% for 3 months then 13.24%
annual fee
$55
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balance transfer rate	0.00% for 18 months and then 21.49%
annual fee	$55
purchase rate	0.00% for 3 months then 13.24%
Interest free days	55
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%, Min $2.50
Rewards description

HSBC Platinum Credit Card
- Offer available to new customers who apply by 30 April 2016
- Earn 1 Rewards Point on every dollar you spend on eligible purchases
- 0.0% p.a. on balance transfers for 15 months. Conditions apply
balance transfer rate
0.00% for 15 months and then 21.99%
purchase rate
19.99%
annual fee
$149Refunded when you spend over $6,000 p.a
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balance transfer rate	0.00% for 15 months and then 21.99%
annual fee	$149Refunded when you spend over $6,000 p.a
purchase rate	19.99%
Interest free days	55
Interest rate on cash withdrawals	21.99%
Fee for cash withdrawals	3%, min $4.00
Rewards description	Redeem your points for travel, gift cards, retail rewards and shopping gift cards.

American Express Platinum Edge Credit Card
- $195 annual fee
- Complimentary domestic economy return flight
- Up to 3 points per dollar spent on eligible purchases
balance transfer rate
0.00% for 12 months (1.00% handling fee)
purchase rate
20.74%
annual fee
$195
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balance transfer rate	0.00% for 12 months (1.00% handling fee)
annual fee	$195
purchase rate	20.74%
Interest free days	55
Interest rate on cash withdrawals
Fee for cash withdrawals
Rewards description	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

St.George Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a. on purchases for the first 3 months
- $99 annual fee
balance transfer rate
0.00% for 20 months and then 21.49%
purchase rate
0.00% for 3 months then 12.74%
annual fee
$99
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balance transfer rate	0.00% for 20 months and then 21.49%
annual fee	$99
purchase rate	0.00% for 3 months then 12.74%
Interest free days	55
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%, Min $2.50
Rewards description

Westpac Low Rate - Online Only Offer
- 0.0% p.a. rate on balance transfers for 18 months when requested at card application
- 0.0% p.a. on purchases for the first 3 months
- Online only offer for applications approved by 29 February 2016
balance transfer rate
0.00% for 18 months and then 21.49% (2.00% handling fee)
purchase rate
0.00% for 3 months then 13.49%
annual fee
$59
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balance transfer rate	0.00% for 18 months and then 21.49% (2.00% handling fee)
annual fee	$59
purchase rate	0.00% for 3 months then 13.49%
Interest free days	55
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%, Min $2.50, Max $150
Rewards description

NAB Low Rate Card
- Make purchases with our lowest interest rate and longest interest-free period
- 0.0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
- Secure online application. Get a response in 60 seconds.
balance transfer rate
0.00% for 24 months (2.50% handling fee)
purchase rate
13.99%
annual fee
$59
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balance transfer rate	0.00% for 24 months (2.50% handling fee)
annual fee	$59
purchase rate	13.99%
Interest free days	55
Interest rate on cash withdrawals	21.74%
Fee for cash withdrawals	1.75%, Min $1.75
Rewards description

American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.0% p.a. on balance transfers for the first 12 months
- Receive up to 7,500 Qantas Points when you apply by the 2nd February 2016
balance transfer rate
0.00% for 12 months (1.00% handling fee)
purchase rate
20.74%
annual fee
$0
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balance transfer rate	0.00% for 12 months (1.00% handling fee)
annual fee	$0
purchase rate	20.74%
Interest free days	44
Interest rate on cash withdrawals
Fee for cash withdrawals
Rewards description	Points are automatically credited to the Qantas Frequent Flyer program.

ANZ Frequent Flyer Platinum
- 50,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
- No Annual fee for the first year
- Terms and conditions, fees and charges apply
balance transfer rate
purchase rate
19.99%
annual fee
$295$0 in the first year
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balance transfer rate
annual fee	$295$0 in the first year
purchase rate	19.99%
Interest free days	55
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%
Rewards description	Points are automatically credited to the Qantas Frequent Flyer program.

Bankwest Zero Platinum MasterCard
- No annual fee
- Complimentary credit card international travel insurance for you and your family
- No transaction fees on overseas purchases
balance transfer rate
2.99% for 9 months
purchase rate
17.99%
annual fee
$0
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balance transfer rate	2.99% for 9 months
annual fee	$0
purchase rate	17.99%
Interest free days	55
Interest rate on cash withdrawals	21.99%
Fee for cash withdrawals	2%, Min $4.00
Rewards description

Woolworths Everyday Platinum Credit Card
- $0 annual fee for the first year. Apply by 31 Janurary 2016
- $100 Woolworths Gift Card after your first purchase by 31 March 2016
- $10 off your order whenever you spend $100 or more in a single transaction at Woolworths Online
balance transfer rate
0.00% for 14 months and then 21.99%
purchase rate
19.99%
annual fee
$49$0 in the first year
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balance transfer rate	0.00% for 14 months and then 21.99%
annual fee	$49$0 in the first year
purchase rate	19.99%
Interest free days	55
Interest rate on cash withdrawals	21.99%
Fee for cash withdrawals	3%, minimum $5
Rewards description	Gift card sent automatically every 4 months if enough points have been accrued.

NAB Qantas Rewards Premium Card
- 4.99% p.a. on balance transfers for 6 months plus 60,000 Bonus points
- Earn Qantas Points on everyday purchases and take advantage of added platinum benefits.
- Seven complimentary insurances including overseas travel insurance & access to the 24/7 Platinum Concierge Service
balance transfer rate
4.99% for 6 months
purchase rate
19.99%
annual fee
$250
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balance transfer rate	4.99% for 6 months
annual fee	$250
purchase rate	19.99%
Interest free days	44
Interest rate on cash withdrawals	21.74%
Fee for cash withdrawals	1.75%, Min $1.75
Rewards description	Points are automatically credited to the Qantas Frequent Flyer program.

ANZ Rewards Platinum
- 50,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
- No Annual fee for the first year
- Terms and conditions, fees and charges apply
balance transfer rate
purchase rate
18.79%
annual fee
$149$0 in the first year
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balance transfer rate
annual fee	$149$0 in the first year
purchase rate	18.79%
Interest free days	55
Interest rate on cash withdrawals	20.99%
Fee for cash withdrawals	2%
Rewards description	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

BCU Classic
- 0% p.a. on purchases for 3 months. Limited time only
- Low ongoing purchase rate of 11.80% p.a
- Up to 55 days interest free on purchases
balance transfer rate
purchase rate
0.00% for 3 months then 11.80%
annual fee
$40
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balance transfer rate
annual fee	$40
purchase rate	0.00% for 3 months then 11.80%
Interest free days	55
Interest rate on cash withdrawals	11.80%
Fee for cash withdrawals	$1.25
Rewards description

ANZ Low Rate
- 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
- Low ongoing interest rate of 13.49% p.a. on purchases
- Up to 55 days interest free on purchases
balance transfer rate
0.00% for 18 months (3.00% handling fee)
purchase rate
13.49%
annual fee
$58
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balance transfer rate	0.00% for 18 months (3.00% handling fee)
annual fee	$58
purchase rate	13.49%
Interest free days	55
Interest rate on cash withdrawals	21.74%
Fee for cash withdrawals	2%
Rewards description

American Express Velocity Platinum Card
- 0.0% p.a. on balance transfers for the first 12 months
- Earn up to 3 points per dollar spent on eligible purchases
- Earn up to 50,000 bonus Velocity Points, apply by 2nd February 2016
balance transfer rate
0.00% for 12 months (1.00% handling fee)
purchase rate
20.74%
annual fee
$349
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balance transfer rate	0.00% for 12 months (1.00% handling fee)
annual fee	$349
purchase rate	20.74%
Interest free days	44
Interest rate on cash withdrawals
Fee for cash withdrawals
Rewards description	Points automatically transferred to your Velocity account

ANZ Frequent Flyer
- 25,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
- No Annual Fee for the first year
- Terms and conditions, fees and charges apply
balance transfer rate
purchase rate
19.99%
annual fee
$95$0 in the first year
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balance transfer rate
annual fee	$95$0 in the first year
purchase rate	19.99%
Interest free days	44
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%
Rewards description	Points are automatically credited to the Qantas Frequent Flyer program.

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
- Enjoy an exclusive annual flight benefit. Conditions apply
balance transfer rate
0.00% for 6 months and then 20.99%
purchase rate
0.00% for 12 months then 20.74%
annual fee
$129
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balance transfer rate	0.00% for 6 months and then 20.99%
annual fee	$129
purchase rate	0.00% for 12 months then 20.74%
Interest free days	44
Interest rate on cash withdrawals	20.99%
Fee for cash withdrawals	2.7%, Min $2.70
Rewards description	Points are credited to the Velocity Frequent Flyer program.

Bankwest Qantas Platinum MasterCard
- Receive up to 8,000 introductory bonus Qantas Points
- Up to 0.75 Qantas Points for every $1 spent on eligible purchases
- Complimentary Credit Card Travel Insurance
balance transfer rate
2.99% for 9 months
purchase rate
20.49%
annual fee
$160
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balance transfer rate	2.99% for 9 months
annual fee	$160
purchase rate	20.49%
Interest free days	55
Interest rate on cash withdrawals	21.99%
Fee for cash withdrawals	2%, Min $4.00
Rewards description	Points are automatically credited to the Qantas Frequent Flyer program.

ANZ First
- 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
- Enjoy the convenience of Visa payWave
- Up to 44 days interest free on purchases
balance transfer rate
0.00% for 18 months (3.00% handling fee)
purchase rate
19.74%
annual fee
$30
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balance transfer rate	0.00% for 18 months (3.00% handling fee)
annual fee	$30
purchase rate	19.74%
Interest free days	44
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%
Rewards description

Coles No Annual Fee MasterCard
- Receive $100 off a single Coles Supermarket shop. New customers only. T&C;'s apply
- Apply & be approved by 9th February 2016
- No annual fee. Ever.
balance transfer rate
0.00% for 6 months
purchase rate
19.99%
annual fee
$0
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balance transfer rate	0.00% for 6 months
annual fee	$0
purchase rate	19.99%
Interest free days	62
Interest rate on cash withdrawals	19.99%
Fee for cash withdrawals	3%, Min $1.95
Rewards description	Earn 1 flybuys point for every $2 you spend.

Westpac Low Rate - Online Only Offer
- 0.0% p.a. rate on balance transfers for 18 months when requested at card application
- 0.0% p.a. on purchases for the first 3 months
- Online only offer for applications approved by 29 February 2016
purchase rate
0.00% for 3 months then 13.49%
annual fee
$59
balance transfer rate
0.00% for 18 months and then 21.49% (2.00% handling fee)
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balance transfer rate	0.00% for 18 months and then 21.49% (2.00% handling fee)
annual fee	$59
purchase rate	0.00% for 3 months then 13.49%
Interest free days	55
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%, Min $2.50, Max $150
Rewards description

NAB Low Rate Card
- Make purchases with our lowest interest rate and longest interest-free period
- 0.0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
- Secure online application. Get a response in 60 seconds.
purchase rate
13.99%
annual fee
$59
balance transfer rate
0.00% for 24 months (2.50% handling fee)
Go to site

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balance transfer rate	0.00% for 24 months (2.50% handling fee)
annual fee	$59
purchase rate	13.99%
Interest free days	55
Interest rate on cash withdrawals	21.74%
Fee for cash withdrawals	1.75%, Min $1.75
Rewards description

American Express Essential Credit Card
- Earn up to 1 Membership Rewards point for every $1 spent
- $0 annual fee
- 0% p.a. on balance transfers for the first 12 months
purchase rate
14.99%
annual fee
$0
balance transfer rate
0.00% for 12 months
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balance transfer rate	0.00% for 12 months
annual fee	$0
purchase rate	14.99%
Interest free days	55
Interest rate on cash withdrawals
Fee for cash withdrawals
Rewards description	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

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%
annual fee
$0
balance transfer rate
0.00% for 6 months and then 21.99%
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balance transfer rate	0.00% for 6 months and then 21.99%
annual fee	$0
purchase rate	17.99%
Interest free days	55
Interest rate on cash withdrawals	21.99%
Fee for cash withdrawals	3%, min $4.00
Rewards description

ANZ First - Student Offer
- Eligible students receive $0 annual fee in the first year
- Enjoy the convenience of Visa payWave
- Up to 44 days interest free on purchases
purchase rate
19.74%
annual fee
$30$0 in the first year
balance transfer rate
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St.George Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
purchase rate
0.00% for 3 months then 13.24%
annual fee
$55
balance transfer rate
0.00% for 18 months and then 21.49%
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Bank of Melbourne Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a on purchases for the first 3 months
- $99 annual fee
purchase rate
0.00% for 3 months then 12.74%
annual fee
$99
balance transfer rate
0.00% for 20 months and then 21.49%
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Coles Low Rate MasterCard
- Receive $100 off a single Coles Supermarket shop. New customers only. T&Cs; apply
- Apply & be approved by 9th February 2016
- Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.
purchase rate
12.99%
annual fee
$49
balance transfer rate
0.00% for 6 months
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Coles No Annual Fee MasterCard
- Receive $100 off a single Coles Supermarket shop. New customers only. T&C;'s apply
- Apply & be approved by 9th February 2016
- No annual fee. Ever.
purchase rate
19.99%
annual fee
$0
balance transfer rate
0.00% for 6 months
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NAB Low Rate Card
- Make purchases with our lowest interest rate and longest interest-free period
- 0.0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
- Secure online application. Get a response in 60 seconds.
balance transfer rate
0.00% for 24 months (2.50% handling fee)
annual fees
$59
purchase rate
13.99%
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St.George Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
balance transfer rate
0.00% for 18 months and then 21.49%
annual fees
$55
purchase rate
0.00% for 3 months then 13.24%
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American Express Essential Credit Card
- Earn up to 1 Membership Rewards point for every $1 spent
- $0 annual fee
- 0% p.a. on balance transfers for the first 12 months
balance transfer rate
0.00% for 12 months
annual fees
$0
purchase rate
14.99%
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Bank of Melbourne Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a on purchases for the first 3 months
- $99 annual fee
balance transfer rate
0.00% for 20 months and then 21.49%
annual fees
$99
purchase rate
0.00% for 3 months then 12.74%
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Bankwest Breeze MasterCard
- 0.0% p.a. on balance transfers for 21 months
- Low ongoing purchase rate of 12.99% p.a
- Up to 3 additional cardholders at no additional cost
balance transfer rate
0.00% for 21 months (2.00% handling fee)
annual fees
$59
purchase rate
12.99%
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NAB Premium Card
- 0.0% p.a. on purchases and balance transfers for 15 months
- Complimentary insurances including overseas travel insurance
- Platinum Concierge Service. Your own 24 hour, 7 day personal assistant
balance transfer rate
0.00% for 15 months
annual fees
$90
purchase rate
0.00% for 15 months then 19.74%
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St.George Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a. on purchases for the first 3 months
- $99 annual fee
balance transfer rate
0.00% for 20 months and then 21.49%
annual fees
$99
purchase rate
0.00% for 3 months then 12.74%
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ANZ First
- 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
- Enjoy the convenience of Visa payWave
- Up to 44 days interest free on purchases
balance transfer rate
0.00% for 18 months (3.00% handling fee)
annual fees
$30
purchase rate
19.74%
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Virgin Money No Annual Fee Card
- 0% p.a. on balance transfers for 18 months (2% BT fee applies)
- No annual fee for the life of the card
- Receive $100 cashback on your card when you spend $2,000 or more in first 3 months
balance transfer rate
0.00% for 18 months and then 20.99% (2.00% handling fee)
annual fees
$0
purchase rate
18.99%
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Westpac Low Rate - Online Only Offer
- 0.0% p.a. rate on balance transfers for 18 months when requested at card application
- 0.0% p.a. on purchases for the first 3 months
- Online only offer for applications approved by 29 February 2016
balance transfer rate
0.00% for 18 months and then 21.49% (2.00% handling fee)
annual fees
$59
purchase rate
0.00% for 3 months then 13.49%
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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 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
- Half annual fee in the first year, a saving of $65
balance transfer rate
0.00% for 14 months and then 20.99%
annual fees
$129$64 in the first year
purchase rate
20.74%
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American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.0% p.a. on balance transfers for the first 12 months
- Receive up to 7,500 Qantas Points when you apply by the 2nd February 2016
balance transfer rate
0.00% for 12 months (1.00% handling fee)
annual fees
$0
purchase rate
20.74%
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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
- Enjoy an exclusive annual flight benefit. Conditions apply
purchase rate
0.00% for 12 months then 20.74%
annual fee
$129
balance transfer rate
0.00% for 6 months and then 20.99%
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Westpac Low Rate - Online Only Offer
- 0.0% p.a. rate on balance transfers for 18 months when requested at card application
- 0.0% p.a. on purchases for the first 3 months
- Online only offer for applications approved by 29 February 2016
purchase rate
0.00% for 3 months then 13.49%
annual fee
$59
balance transfer rate
0.00% for 18 months and then 21.49% (2.00% handling fee)
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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%
annual fee
$0
balance transfer rate
0.00% for 6 months and then 21.99%
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St.George Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
purchase rate
0.00% for 3 months then 13.24%
annual fee
$55
balance transfer rate
0.00% for 18 months and then 21.49%
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Bank of Melbourne Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
purchase rate
0.00% for 3 months then 13.24%
annual fee
$55
balance transfer rate
0.00% for 18 months and then 21.49%
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St.George Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a. on purchases for the first 3 months
- $99 annual fee
purchase rate
0.00% for 3 months then 12.74%
annual fee
$99
balance transfer rate
0.00% for 20 months and then 21.49%
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Bankwest Breeze MasterCard
- 0.0% p.a. on balance transfers for 21 months
- Low ongoing purchase rate of 12.99% p.a
- Up to 3 additional cardholders at no additional cost
purchase rate
12.99%
annual fee
$59
balance transfer rate
0.00% for 21 months (2.00% handling fee)
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Virgin Money No Annual Fee Card
- 0% p.a. on balance transfers for 18 months (2% BT fee applies)
- No annual fee for the life of the card
- Receive $100 cashback on your card when you spend $2,000 or more in first 3 months
annual fees
$0
balance transfer rate
0.00% for 18 months and then 20.99% (2.00% handling fee)
purchase rate
18.99%
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- Bankwest Zero MasterCard
- - No annual fee
  - Complimentary credit card international travel insurance for you and your family
  - Free worldwide emergency card replacement
- annual fees
  $0
- balance transfer rate
  2.99% for 9 months
- purchase rate
  17.99%
- Go to site
Click for more info

Less info

Balance transfer rate 2.99% for 9 months

annual fees $0

purchase rate 17.99%

interest free days 55

Interest rate on cash withdrawals 21.99%

Fee for cash withdrawals 2%, Min $4.00

Rewards description

Coles No Annual Fee MasterCard
- Receive $100 off a single Coles Supermarket shop. New customers only. T&C;'s apply
- Apply & be approved by 9th February 2016
- No annual fee. Ever.
annual fees
$0
balance transfer rate
0.00% for 6 months
purchase rate
19.99%
Go to site

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American Express Velocity Escape Card
- 0.0% p.a. on balance transfers for the first 12 months
- No annual fee
- Earn up to 7,500 bonus Velocity Points, limited time only
annual fees
$0
balance transfer rate
0.00% for 12 months (1.00% handling fee)
purchase rate
20.74%
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American Express Essential Credit Card
- Earn up to 1 Membership Rewards point for every $1 spent
- $0 annual fee
- 0% p.a. on balance transfers for the first 12 months
annual fees
$0
balance transfer rate
0.00% for 12 months
purchase rate
14.99%
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NAB Low Fee Card
- Low $30 annual fee
- 0.0% p.a on purchases and balance transfers for 9 months.
- Complimentary Purchase Protection Insurance.
annual fees
$30
balance transfer rate
0.00% for 9 months
purchase rate
0.00% for 9 months then 19.74%
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Westpac 55 Day Card - Online Only Offer
- No annual fee in the first year
- 0.0% p.a. on balance transfers for 14 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
balance transfer rate
0.00% for 14 months
purchase rate
19.84%
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St.George Vertigo
- 0.0% p.a. on balance transfers for the first 18 months
- 0.0% p.a. on purchases for the first 3 months
- Up to 55 interest free days on purchases
annual fees
$55
balance transfer rate
0.00% for 18 months and then 21.49%
purchase rate
0.00% for 3 months then 13.24%
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Click for more info

Westpac Low Rate - Online Only Offer
- 0.0% p.a. rate on balance transfers for 18 months when requested at card application
- 0.0% p.a. on purchases for the first 3 months
- Online only offer for applications approved by 29 February 2016
annual fees
$59
balance transfer rate
0.00% for 18 months and then 21.49% (2.00% handling fee)
purchase rate
0.00% for 3 months then 13.49%
Go to site

Click for more info

- Coles Low Rate MasterCard
- - Receive $100 off a single Coles Supermarket shop. New customers only. T&Cs; apply
  - Apply & be approved by 9th February 2016
  - Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.
- annual fees
  $49
- balance transfer rate
  0.00% for 6 months
- purchase rate
  12.99%
- Go to site
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Less info

Balance transfer rate 0.00% for 6 months

annual fees $49

purchase rate 12.99%

interest free days 62

Interest rate on cash withdrawals 19.99%

Fee for cash withdrawals 3%, Min $1.95

Rewards description

ANZ Low Rate
- 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
- Low ongoing interest rate of 13.49% p.a. on purchases
- Up to 55 days interest free on purchases
annual fees
$58
balance transfer rate
0.00% for 18 months (3.00% handling fee)
purchase rate
13.49%
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St.George Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a. on purchases for the first 3 months
- $99 annual fee
balance transfer rate
0.00% for 20 months and then 21.49%
annual fees
$99
purchase rate
0.00% for 3 months then 12.74%
Go to site

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HSBC Platinum Credit Card
- Offer available to new customers who apply by 30 April 2016
- Earn 1 Rewards Point on every dollar you spend on eligible purchases
- 0.0% p.a. on balance transfers for 15 months. Conditions apply
balance transfer rate
0.00% for 15 months and then 21.99%
annual fees
$149Refunded when you spend over $6,000 p.a
purchase rate
19.99%
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
- Earn 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
- Half annual fee in the first year, a saving of $65
balance transfer rate
0.00% for 14 months and then 20.99%
annual fees
$129$64 in the first year
purchase rate
20.74%
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HSBC Platinum Qantas Credit Card
- 40,000 bonus Qantas Points when you apply by 30 April 2016. Conditions apply
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- $0 additional cardholder fee
balance transfer rate
0.00% for 6 months and then 21.99%
annual fees
$199
purchase rate
19.99%
Go to site

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ANZ Rewards Platinum
- 50,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
- No Annual fee for the first year
- Terms and conditions, fees and charges apply
balance transfer rate
annual fees
$149$0 in the first year
purchase rate
18.79%
Go to site

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NAB Velocity Rewards Premium Card
- 4.99% p.a. on balance transfers for 6 months and Earn Velocity Points on everyday purchases
- 7 complementary insurances including Overseas Travel Insurance.
- Access to Platinum Concierge Service, your own 24 hour, 7 day personal assistant & the 24/7 NAB Service Centre
balance transfer rate
4.99% for 6 months
annual fees
$150
purchase rate
19.99%
Go to site

Click for more info

- Bankwest Zero Platinum MasterCard
- - No annual fee
  - Complimentary credit card international travel insurance for you and your family
  - No transaction fees on overseas purchases
- balance transfer rate
  2.99% for 9 months
- annual fees
  $0
- purchase rate
  17.99%
- Go to site
Click for more info

Less info

Balance transfer rate 2.99% for 9 months

annual fees $0

purchase rate 17.99%

Interest free days 55

Interest rate on cash withdrawals 21.99%

Fee for cash withdrawals 2%, Min $4.00

rewards_description

ANZ Frequent Flyer Platinum
- 50,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
- No Annual fee for the first year
- Terms and conditions, fees and charges apply
balance transfer rate
annual fees
$295$0 in the first year
purchase rate
19.99%
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David Jones American Express Platinum Card (Membership Rewards)
- Up to 44 days interest free on purchases
- Choose either Membership Rewards or Qantas Frequent Flyer as your rewards program
- Apply now and a receive a generous welcome bonus of 40,000 Reward Points
balance transfer rate
annual fees
$295
purchase rate
20.74%
Go to site

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Bankwest More Platinum MasterCard
- 2.99% p.a on balance transfers for 9 months
- Receive up to 80,000 introductory bonus rewards points
- No foreign transaction fees on online and overseas purchases
balance transfer rate
2.99% for 9 months
annual fees
$140
purchase rate
19.99%
Go to site

Click for more info

Westpac 55 Day Platinum Card - Online Only Offer
- No annual fee for the first year
- Complimentary travel insurance
- 0.0% p.a. on balance transfers for 16 months
balance transfer rate
0.00% for 16 months
annual fees
$90$0 in the first year, $0 when you spend over $10,000 p.a
purchase rate
19.84%
Go to site

Click for more info

Bank of Melbourne Vertigo Platinum
- 0.0% p.a. on balance transfers for the first 20 months
- 0.0% p.a on purchases for the first 3 months
- $99 annual fee
balance transfer rate
0.00% for 20 months and then 21.49%
annual fees
$99
purchase rate
0.00% for 3 months then 12.74%
Go to site

Click for more info

Bankwest Qantas Platinum MasterCard
- Receive up to 8,000 introductory bonus Qantas Points
- Up to 0.75 Qantas Points for every $1 spent on eligible purchases
- Complimentary Credit Card Travel Insurance
balance transfer rate
2.99% for 9 months
annual fees
$160
purchase rate
20.49%
Go to site

Click for more info

ANZ Low Rate
- 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
- Low ongoing interest rate of 13.49% p.a. on purchases
- Up to 55 days interest free on purchases
balance transfer rate
0.00% for 18 months (3.00% handling fee)
annual fees
$58
purchase rate
13.49%
Go to site

Click for more info

Top 5 Lowest interest rate

- based on ongoing interest rate

apply now
all credit cards
big banks

Go to site

11.80%
BCU
– Classic
Go to site

11.99%
American Express
– Low Rate Credit Card
Go to site

12.99%
Bankwest
– Breeze MasterCard
Go to site

12.99%
Coles
– Low Rate MasterCard
Go to site

13.24%
Bank of Melbourne
– Vertigo

7.99%
Quay Credit Union
– Visa Credit Card
8.99%
Community First Credit Union
– McGrath Pink Visa
9.89%
Bank Australia
– Low Rate Visa
9.99%
St.George
– BusinessVantage
9.99%
ME
– frank Credit Card

Go to site

13.49%
ANZ
– Low Rate
13.49%
Commonwealth Bank
– Low Rate Credit Card
13.49%
Westpac
– Low Rate
Go to site

13.99%
NAB
– Low Rate Card

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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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balance transfer rate
annual fee	$30$0 in the first year
purchase rate	19.74%
Interest free days	44
Interest rate on cash withdrawals	21.49%
Fee for cash withdrawals	2%
Rewards description

balance transfer rate	0.00% for 24 months (2.50% handling fee)
annual fees	$59
purchase rate	13.99%
Interest free days	55

balance transfer rate	0.00% for 21 months (2.00% handling fee)
annual fees	$59
purchase rate	12.99%
Interest free days	55

balance transfer rate	0.00% for 15 months
annual fees	$90
purchase rate	0.00% for 15 months then 19.74%
Interest free days	44

balance transfer rate	0.00% for 18 months and then 20.99% (2.00% handling fee)
annual fees	$0
purchase rate	18.99%
Interest free days	44

balance transfer rate	0.00% for 14 months and then 20.99%
annual fees	$129$64 in the first year
purchase rate	20.74%
Interest free days	44

Balance transfer rate	0.00% for 9 months
annual fees	$30
purchase rate	0.00% for 9 months then 19.74%
interest free days	44

Balance transfer rate	0.00% for 14 months
annual fees	$30$0 in the first year, $0 when you spend over $5,000 p.a
purchase rate	19.84%
interest free days	55

Interest rate on cash withdrawals	21.29%
Fee for cash withdrawals	2%, Min $2.50, Max $150
Rewards description

Balance transfer rate
annual fees	$295
purchase rate	20.74%
Interest free days	44

Interest rate on cash withdrawals
Fee for cash withdrawals
rewards_description	You can redeem your points for Gift Cards including David Jones and many other retailers; travel through our range of partners including Webjet; entertainment; merchandise or even a credit on your account.

Balance transfer rate	0.00% for 16 months
annual fees	$90$0 in the first year, $0 when you spend over $10,000 p.a
purchase rate	19.84%
Interest free days	55

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