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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 comparisons Rates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

    0% for 12 months

    purchase rate

    14.99%

    annual fee

    $0

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    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    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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  • 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 $0 in the first year for existing Bank of Melbourne customers

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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 $0 in the first year for existing Bank of Melbourne customers
    • 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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  • 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 $0 in the first year for existing St.George customers

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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 $0 in the first year for existing St.George customers
    • 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 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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  • Bank of Melbourne Vertigo

    Bank of Melbourne 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 $0 in the first year for existing Bank of Melbourne customers

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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 $0 in the first year for existing Bank of Melbourne customers
    • 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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  • BankSA Vertigo

    BankSA Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 13.24% p.a. on purchases
    • 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 $0 in the first year for existing BankSA customers

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    • 0% p.a. on balance transfers for the first 18 months
    • 13.24% p.a. on purchases
    • Up to 55 interest free days on purchases
    Product info
    • Balance transfer rate: 0% for 18 months
    • Annual fee: $55 $0 in the first year for existing BankSA customers
    • 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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  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 9.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    purchase rate

    9.99%

    annual fee

    $0

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    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 9.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    Product info
    • Balance transfer rate:
    • Annual fee: $0
    • Purchase rate: 9.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 9.99%
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
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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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    More info

    • 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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  • American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 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

    balance transfer rate

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

    purchase rate

    20.74%

    annual fee

    $0

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    • 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
    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 automatically transferred to your Velocity account
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  • Bankwest Breeze Platinum MasterCard

    Bankwest Breeze Platinum MasterCard

    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 12.99% p.a. Limited time only.
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    2.99% for 9 months

    purchase rate

    12.99%

    annual fee

    $99

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    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 12.99% p.a. Limited time only.
    • No foreign transaction fees on online and overseas purchases
    Product info
    • Balance transfer rate: 2.99% for 9 months
    • Annual fee: $99
    • Purchase rate: 12.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
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  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply

    balance transfer rate

    0% for 6 months and then 20.99%

    purchase rate

    0% for 12 months then 20.74%

    annual fee

    $129

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    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply
    Product info
    • Balance transfer rate: 0% for 6 months and then 20.99%
    • Annual fee: $129
    • Purchase rate: 0% 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.
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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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  • 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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  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% for 15 months (2.00% balance transfer fee)

    purchase rate

    0% for 15 months then 13.99%

    annual fee

    $59

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    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 0% for 15 months then 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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  • 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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  • Virgin Money No Annual Fee Card

    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% for 18 months and then 20.99% (2.00% balance transfer fee)

    purchase rate

    18.99%

    annual fee

    $0

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    More info

    • 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
    Product info
    • Balance transfer rate: 0% for 18 months and then 20.99% (2.00% balance transfer fee)
    • Annual fee: $0
    • Purchase rate: 18.99%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99%
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description:
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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 $0 in the first year for existing St.George customers

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    More info

    • 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 $0 in the first year for existing St.George customers
    • 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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  • NAB Premium Card

    NAB Premium Card

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% for 15 months (2.00% balance transfer fee)

    purchase rate

    0% for 15 months then 19.74%

    annual fee

    $90

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    More info

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (one off 2% BT fee)
    • Secure online application and fast response
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fee: $90
    • Purchase rate: 0% for 15 months then 19.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • Coles Low Rate MasterCard

    Coles Low Rate MasterCard

    • Low ongoing purchase rate of 9.99% p.a.
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.

    balance transfer rate

    0% for 6 months

    purchase rate

    9.99%

    annual fee

    $49

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    • Low ongoing purchase rate of 9.99% p.a.
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.
    Product info
    • Balance transfer rate: 0% for 6 months
    • Annual fee: $49
    • Purchase rate: 9.99%
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99%
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description:
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  • ANZ Low Rate Platinum

    ANZ Low Rate Platinum

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance

    balance transfer rate

    0% for 18 months (3.00% balance transfer fee)

    purchase rate

    13.49%

    annual fee

    $99

    Go to site

    More info

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Need more information?
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  • NAB Velocity Rewards Card

    NAB Velocity Rewards Card

    • 0% p.a on purchases for 15 months
    • 0% p.a. on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% for 15 months (2.00% balance transfer fee)

    purchase rate

    0% for 15 months then 19.99%

    annual fee

    $95

    Go to site

    More info

    • 0% p.a on purchases for 15 months
    • 0% p.a. on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fee: $95
    • Purchase rate: 0% for 15 months then 19.99%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Points are automatically credited to the Velocity program.
    Need more information?
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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

    Go to site

    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.
    Need more information?
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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • Offer available to new customers who apply by 30th June 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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    More info

    • Offer available to new customers who apply by 30th June 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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