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Credit Cards

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.

Credit card comparisonsRates updated daily

  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a. on purchases for the first 4 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    0.99% for 4 months then 12.74%

    annual fee

    $99

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    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a. on purchases for the first 4 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months
    • Annual fee: $99
    • Purchase rate: 0.99% for 4 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:
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  • American Express Essential Credit Card

    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% for 12 months

    purchase rate

    14.99%

    annual fee

    $0

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    • 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
    Product info
    • Balance transfer rate: 0% 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.
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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 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

    $425 $0 in the first 1 year

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    • 75,000 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
    Product info
    • Balance transfer rate:
    • Annual fee: $425 $0 in the first 1 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.
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  • Bank of Melbourne Vertigo Platinum

    Bank of Melbourne Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    0.99% for 4 months then 12.74%

    annual fee

    $99

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    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months
    • Annual fee: $99
    • Purchase rate: 0.99% for 4 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:
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  • ANZ Low Rate

    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% for 18 months (3.00% balance transfer fee)

    purchase rate

    13.49%

    annual fee

    $58

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    • 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
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer 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:
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  • Australian Military Bank Low Rate Visa Credit Card

    Australian Military Bank Low Rate Visa Credit Card

    • 0% balance transfer for the first 12 months
    • Low 10.99% p.a. ongoing purchase rate
    • Up to 55 days interest free on purchases

    balance transfer rate

    0% for 12 months

    purchase rate

    10.99%

    annual fee

    $49

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    • 0% balance transfer for the first 12 months
    • Low 10.99% p.a. ongoing purchase rate
    • Up to 55 days interest free on purchases
    Product info
    • Balance transfer rate: 0% for 12 months
    • Annual fee: $49
    • Purchase rate: 10.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 19.99%
    • Fee for cash withdrawals: $4.50
    • Rewards description:
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  • NAB Low Rate Card

    NAB Low Rate Card

    • Make purchases with our lowest interest rate and longest interest-free period
    • 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% for 24 months (2.50% balance transfer fee)

    purchase rate

    13.99%

    annual fee

    $59

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    • Make purchases with our lowest interest rate and longest interest-free period
    • 0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.
    Product info
    • Balance transfer rate: 0% for 24 months (2.50% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 13.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    • 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% for 14 months and then 20.99%

    purchase rate

    20.74%

    annual fee

    $129 $64 in the first 1 year

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    • 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
    Product info
    • Balance transfer rate: 0% for 14 months and then 20.99%
    • Annual fee: $129 $64 in the first 1 year
    • Purchase rate: 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.
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  • American Express Platinum Edge Credit Card

    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% for 12 months (1.00% balance transfer fee)

    purchase rate

    20.74%

    annual fee

    $195 $0 in the first 1 year

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    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fee: $195 $0 in the first 1 year
    • 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.
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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0.99% p.a. on purchases for the first 4 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% for 18 months

    purchase rate

    0.99% for 4 months then 13.24%

    annual fee

    $55

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    • 0% p.a. on balance transfers for the first 18 months
    • 0.99% p.a. on purchases for the first 4 months
    • Up to 55 interest free days on purchases
    Product info
    • Balance transfer rate: 0% for 18 months
    • Annual fee: $55
    • Purchase rate: 0.99% for 4 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:
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  • HSBC Platinum Credit Card

    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% p.a. on balance transfers for 15 months. Conditions apply

    balance transfer rate

    0% for 15 months and then 21.99%

    purchase rate

    19.99%

    annual fee

    $149 Refunded when you spend over $6,000 p.a

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    • Offer available to new customers who apply by 30 April 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • 0% p.a. on balance transfers for 15 months. Conditions apply
    Product info
    • Balance transfer rate: 0% for 15 months and then 21.99%
    • Annual fee: $149 Refunded 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.
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  • Hunter United Credit Union Low Rate Visa Credit Card

    Hunter United Credit Union Low Rate Visa Credit Card

    • Min. income requirement of $25,000 p.a.
    • Up to $30,000 credit limit
    • Low ongoing purchase rate of 11.99 p.a.

    balance transfer rate

    0% for 3 months

    purchase rate

    11.99%

    annual fee

    $59

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    • Min. income requirement of $25,000 p.a.
    • Up to $30,000 credit limit
    • Low ongoing purchase rate of 11.99 p.a.
    Product info
    • Balance transfer rate: 0% for 3 months
    • Annual fee: $59
    • Purchase rate: 11.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 16.99%
    • Fee for cash withdrawals: $0
    • Rewards description:
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  • Newcastle Permanent Value+

    Newcastle Permanent Value+

    • Competitive low interest rate
    • Up to 55 days interest free on purchases
    • Convenience of payWave~

    balance transfer rate

    purchase rate

    11.49%

    annual fee

    $49

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    • Competitive low interest rate
    • Up to 55 days interest free on purchases
    • Convenience of payWave~
    Product info
    • Balance transfer rate:
    • Annual fee: $49
    • Purchase rate: 11.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.49%
    • Fee for cash withdrawals: 1.5%, Min $2.00
    • Rewards description:
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  • ANZ Rewards Black

    ANZ Rewards Black

    • 75,000 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

    $375 $0 in the first 1 year

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    • 75,000 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
    Product info
    • Balance transfer rate:
    • Annual fee: $375 $0 in the first 1 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.
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  • American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    purchase rate

    20.74%

    annual fee

    $0

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    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer 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.
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  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • 40,000 bonus Qantas Points when you apply by 30 April 2016. Conditions apply
    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • $0 additional cardholder fee

    balance transfer rate

    0% for 6 months and then 21.99%

    purchase rate

    19.99%

    annual fee

    $199

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    More info

    • 40,000 bonus Qantas Points when you apply by 30 April 2016. Conditions apply
    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • $0 additional cardholder fee
    Product info
    • Balance transfer rate: 0% for 6 months and then 21.99%
    • Annual fee: $199
    • 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: Points are automatically accredited to the Qantas Frequent Flyer Program.
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  • 28 Degrees Platinum MasterCard

    28 Degrees Platinum MasterCard

    • No international transaction fees on purchases and no currency conversion fees
    • $0 annual fee
    • 24/7 Worldwide Concierge Service

    balance transfer rate

    4.99% for 6 months

    purchase rate

    21.99%

    annual fee

    $0

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    • No international transaction fees on purchases and no currency conversion fees
    • $0 annual fee
    • 24/7 Worldwide Concierge Service
    Product info
    • Balance transfer rate: 4.99% for 6 months
    • Annual fee: $0
    • Purchase rate: 21.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 3%, min $4
    • Rewards description:
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  • ANZ First

    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% for 18 months (3.00% balance transfer fee)

    purchase rate

    19.74%

    annual fee

    $30

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    • 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
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer 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:
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  • Westpac Low Rate

    Westpac Low Rate

    • 0% p.a on balance transfers for the first 18 months
    • 0.99% p.a purchase rate for 4 months
    • Bank on-the-go with Westpac Mobile Banking

    balance transfer rate

    0% for 18 months (2.00% balance transfer fee)

    purchase rate

    0.99% for 4 months then 13.49%

    annual fee

    $59 $0 in the first year for existing Westpac customers

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    • 0% p.a on balance transfers for the first 18 months
    • 0.99% p.a purchase rate for 4 months
    • Bank on-the-go with Westpac Mobile Banking
    Product info
    • Balance transfer rate: 0% for 18 months (2.00% balance transfer fee)
    • Annual fee: $59 $0 in the first year for existing Westpac customers
    • Purchase rate: 0.99% for 4 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:
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  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 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

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    purchase rate

    20.74%

    annual fee

    $349

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    • 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
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer 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
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  • ANZ Rewards Platinum

    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

    $95 $0 in the first 1 year

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    • 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
    Product info
    • Balance transfer rate:
    • Annual fee: $95 $0 in the first 1 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.
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  • Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • $100 off a single Coles supermarket shop
    • Apply and be approved by 31 May 2016, and make a purchase in the first 30 days*
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard

    balance transfer rate

    0% for 6 months

    purchase rate

    19.99%

    annual fee

    $0

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    More info

    • $100 off a single Coles supermarket shop
    • Apply and be approved by 31 May 2016, and make a purchase in the first 30 days*
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard
    Product info
    • Balance transfer rate: 0% 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.
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  • ANZ Frequent Flyer Platinum

    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 1 year

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    More info

    • 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
    Product info
    • Balance transfer rate:
    • Annual fee: $295 $0 in the first 1 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.
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