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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 (1.00% balance transfer fee)

    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 (1.00% balance transfer fee)
    • 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 Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information

    balance transfer rate

    purchase rate

    18.79%

    annual fee

    $95

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    More info

    • 50,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information
    Product info
    • Balance transfer rate:
    • Annual fee: $95
    • 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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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% for 18 months

    purchase rate

    1.00% for 12 months then 13.24%

    annual fee

    $55 $0 in the first year for existing St.George customers

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    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 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: 1.00% for 12 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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  • Bank Australia Low Rate Visa

    Bank Australia Low Rate Visa

    • Same interest rate for purchases and cash advances
    • Visa Checkout for safe online banking
    • Low annual fee

    balance transfer rate

    purchase rate

    9.39%

    annual fee

    $59

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    More info

    • Same interest rate for purchases and cash advances
    • Visa Checkout for safe online banking
    • Low annual fee
    Product info
    • Balance transfer rate:
    • Annual fee: $59
    • Purchase rate: 9.39%
    • Interest free days: 0
    • Interest rate on cash withdrawals: 9.39%
    • Fee for cash withdrawals: $3.50
    • Rewards description:
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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
    • 1.0% p.a on purchases for the first 12 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    1.00% for 12 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
    • 1.0% p.a on purchases for the first 12 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: 1.00% for 12 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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  • Bankwest Zero Platinum MasterCard

    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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    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases
    Product info
    • 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:
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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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  • Bankwest Qantas Platinum MasterCard

    Bankwest Qantas Platinum MasterCard

    • 50,000 introductory bonus Qantas Points (T&Cs Apply)
    • Up to 1 Qantas Points for every $2 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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    More info

    • 50,000 introductory bonus Qantas Points (T&Cs Apply)
    • Up to 1 Qantas Points for every $2 spent on eligible purchases
    • Complimentary Credit Card Travel Insurance
    Product info
    • Balance transfer rate: 2.99% for 9 months
    • Annual fee: $160
    • Purchase rate: 20.49%
    • Interest free days: 44
    • 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.
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  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • 40,000 bonus Qantas Points when you apply by 31st August 2016. 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

    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • 40,000 bonus Qantas Points when you apply by 31st August 2016. 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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  • Bankwest Breeze Gold MasterCard

    Bankwest Breeze Gold MasterCard

    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 8.99% p.a
    • Up to 3 additional cardholders at no additional cost

    balance transfer rate

    2.99% for 9 months

    purchase rate

    8.99%

    annual fee

    $89 $0 in the first 1 year

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    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 8.99% p.a
    • Up to 3 additional cardholders at no additional cost
    Product info
    • Balance transfer rate: 2.99% for 9 months
    • Annual fee: $89 $0 in the first 1 year
    • Purchase rate: 8.99%
    • 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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  • 28 Degrees Platinum MasterCard

    28 Degrees Platinum MasterCard

    • 2 cash advance fees waived (limited offer)
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service

    balance transfer rate

    4.99% for 6 months

    purchase rate

    21.99%

    annual fee

    $0

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    • 2 cash advance fees waived (limited offer)
    • $0 overseas fees on purchases
    • 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 (first two withdrawals free)
    • Rewards description:
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  • ANZ Rewards Travel Adventures Card

    ANZ Rewards Travel Adventures Card

    • Return domestic flight each year you hold the card
    • No overseas transaction fee on purchases
    • Eligibility criteria, minimum spend and flight restrictions apply

    balance transfer rate

    purchase rate

    20.24%

    annual fee

    $225

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    • Return domestic flight each year you hold the card
    • No overseas transaction fee on purchases
    • Eligibility criteria, minimum spend and flight restrictions apply
    Product info
    • Balance transfer rate:
    • Annual fee: $225
    • Purchase rate: 20.24%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 0%
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Need more information?
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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

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    More info

    • $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
    • 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.
    Need more information?
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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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  • 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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    More info

    • 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.
    Need more information?
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  • ANZ First

    ANZ First

    • Now with Apple Pay
    • $200 Back to ANZ First when you spend $500 on eligible purchases in the first 3 months
    • Low annual fee

    balance transfer rate

    purchase rate

    19.74%

    annual fee

    $30

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    More info

    • Now with Apple Pay
    • $200 Back to ANZ First when you spend $500 on eligible purchases in the first 3 months
    • Low annual fee
    Product info
    • Balance transfer rate:
    • 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:
    Need more information?
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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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    More info

    • 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
    Need more information?
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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 and then 21.74% (3.00% balance transfer fee)

    purchase rate

    13.49%

    annual fee

    $58

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    More info

    • 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 and then 21.74% (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:
    Need more information?
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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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    More info

    • 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:
    Need more information?
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  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 1.0% p.a. on purchases for the first 12 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    purchase rate

    1.00% for 12 months then 12.74%

    annual fee

    $99 $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 20 months
    • 1.0% p.a. on purchases for the first 12 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: 1.00% for 12 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:
    Need more information?
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