Credit Card Finder® - Compare Australian Credit Cards

Credit Card Comparison and Application Service

Credit Card Finder® is a free and 100% Australian owned service for comparing credit cards offered by banks & credit unions in Australia. Our service is 100% free with no 'hidden costs' for use of our credit card comparison service.

To help ensure the best credit card* choice for Australian consumers, we have categorised our comparisons by card type and provider, including our popular 0% balance transfer and low interest credit card reviews. Your personal details are never processed by us. When you click each apply link on our tables, you will be directed to the official bank's application page, where full product terms & conditions are available. Please take your time when choosing a credit card and we hope you make the most of our comparison service.

Comparison of Credit Cards

Learn about our information service Rates last updated November 23rd, 2014. Comparing 148 credit cards from 38 providers.
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
Low Interest Rate Credit Card with Balance Transfer Offer
Enjoy a low rate on your everyday purchases, together with a strong offer on balance transfers.
13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
No Annual Fee Card with Long Term Balance Transfer
The Citi Simplicity offers 0% p.a. for 12 months and zero annual fee to pay.
19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
$0 Annual Fee Qantas Frequent Flyer Card
Earn 1 Qantas Frequent Flyer point per $1 spent on purchases and pay no annual fee ever. Earn up to 7,500 bonus Qantas Points.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
10000 Bonus Points Offer & $0 Annual Fee
Earn 10000 reward points when you successfully apply and make a purchase within 3 months. This platinum card caters for those who want high credit limits and personal concierge service.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card

Long Term Balance Transfer Offer

A credit card with a low credit card fee and long term balance transfer offer.
12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low Rate Purchase Offer for 15 months
The NAB Low Rate Credit Card offers a low ongoing interest rate on everyday purchases and a low introductory offer for new cardholders.
0% p.a. for 15 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No Annual Fee with 0% p.a. Balance Transfer
No annual fee for the life of the credit card, plus a low balance transfer offer.
17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
Bankwest Breeze MasterCard - Exclusive Offer
Bankwest Breeze MasterCard - Exclusive Offer
Exclusive Offer to Credit Card Finder: Long Term Purchase Rate Offer
A low annual fee card with a long term purchase rate offer only available via this website.
0% p.a. for 13 months (reverts to 12.24% p.a.) $59 p.a. 21.99% p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Velocity Rewards Credit Card with No Annual Fee
Earn Velocity points without paying an annual fee. 10000 Velocity bonus points when you spend $300 in the first 3 months.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Platinum Credit Card Offer
For a limited time, receive a low introductory purchase rate and your annual fee waived in the first year. Meet the minimum spend yearly to have the annual fee waived yearly.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) (After the first year, annual fees for subsequent years are waived if a minimum of $10,000 yearly spend is met.) 21.29% p.a. Go to site More info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard

No Annual Fee Credit Card with Rewards

Pay $0 annual fee with the Coles No Annual Fee MasterCard.
0% p.a. for 6 months (reverts to 17.99% p.a.) $0 p.a. 17.99% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Platinum Rewards Credit Card Offer
Receive 5000 Membership Rewards Bonus Points. Also receive a complimentary Virgin Australia domestic economy return flight every year.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
Platinum Credit Card Offer
Receive 0% p.a. on balance transfers and get access to overseas travel and medical insurance. No annual fee in the first year, and if you spend more than $20,000 per year your annual fee will be waived again.
19.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) (In each subsequent year, if you make Eligible Purchases of $20,000 or more annually your next Annual Fee will be waived.) 21.49% p.a. Go to site More info
American Express Low Rate Credit Card
American Express Low Rate Credit Card
Low Rate Credit Card with Refund and Purchase Protection
A new low rate credit card from American Express which offers an introductory balance transfer and refund and purchase protection.
11.99% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $65 p.a. Go to site More info
NAB Premium Card
NAB Premium Card
Platinum Credit Card with 15 month Balance Transfer
Enjoy Platinum credit card advantages including travel insurance for up to 12 months.
19.74% p.a. 0% p.a. for 15 months $90 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa

Low Annual Fee & Purchase Rate Offer for 12 months

A long term purchase rate offer, together with a low annual fee.
0% p.a. for 12 months (reverts to 13.24% p.a.) 3.99% p.a. for 6 months $55 p.a. 21.49% p.a. Go to site More info
ME Bank Low Rate Credit Card
ME Bank Low Rate Credit Card

No Annual Fee Low Rate Credit Card

A low interest rate credit card that charges no annual fees.
9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Classic Card
Long Term 0% Balance Transfer Offer
A long term balance transfer offer from Citibank. Also enjoy complimentary insurances that come with this rewards credit card.
20.99% p.a. 0% p.a. for 18 months $89 p.a. 21.74% p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
International Qantas Frequent Flyer Credit Card
The HSBC Platinum Qantas Credit Card offers a strong earn rate on purchases. Bonus 20000 Qantas Frequent Flyer points offer.
19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info
Citibank ReadyCredit - Balance Transfer Offer
Citibank ReadyCredit - Balance Transfer Offer
Exclusive Offer to Credit Card Finder. Balance Transfer Offer with $0 Annual Fee
Offers a 'cheque to self' feature which allows you withdraw cash up to 80% of your approved credit limit. This cash is able to be used for multiple purposes including travel, debt consolidation or an everyday expense.
19.49% p.a. 0% p.a. for 6 months $0 p.a. ($99 One-off establishment fee) 19.49% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

HSBC Credit Card - No Annual Fee Offer

No Annual Fee Credit Card Offer

The HSBC Credit Card charges no annual fee for life2 and a balance transfer offer.

  • No annual fee2
  • 0% p.a. Balance Transfer for 6 months
  • 17.99% p.a. on purchases
  • Up to 55 days interest free on purchases3 when you pay the full balance (including any balance transfers and promotional purchases)
  • Minimum income requirement of $20,000 p.a.
  • Additional Cardholder at no extra cost.

    American Express Qantas Discovery Card

    Qantas Frequent Flyer Card Offer:

    The American Express Qantas Discovery card is a credit card that allows you to earn Qantas Points without the annual fee charge.

    • $0 p.a. annual fee
    • 20.74% p.a. on purchases
    • 0.99% p.a. for 6 months with 1% balance transfer fee on balance transfers
    • Up to 44 days interest free
    • Minimum Income Requirement of $35,000 p.a.
    ANZ Low Rate

    Balance Transfer Credit Card:

    The ANZ Low Rate credit card offers a low long term rate on balance transfers together with a low annual fee and ongoing rate on purchases.

    • $58 p.a. annual fee
    • 13.49% p.a. on purchases
    • 0% p.a. for 16 months on balance transfers
    • Cash Advance Rate of 21.74% p.a.
    • Up to 55 days interest free
    • Minimum Income Requirement of $15,000 p.a.

    Find the credit card you are interested in via the card type or bank, or read our guides to decide.

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    Compare the credit card offers in our credit card comparison tables to come to an informed decision.

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    November Credit Card Review

    Pay no annual fee ever, and receive an introductory long term balance transfer offer

    Citi Simplicity Card

    The Citi Simplicity is a no annual fee card that offers complimentary insurances and Citibank Dining Privileges. Enjoy a low rate balance transfer of 0% for 12 months.

    Read More

    Credit Cards Articles and Guides

    The Virgin Australia Velocity Flyer Card – 20k Bonus Points and Balance Transfer Offer

    November 20th, 2014

    Virgin Australia Velocity Flyer Review This is a rewards card tied to the Velocity program, where you’ll earn  point per eligible $1 spent up to $1,500 every month, then point per $2 spent once you meet that threshold. The annual fee for this card is , but this fee is waived for the first year. […]

    Read More

    ME Bank Low Rate Credit Card – Rates & Fees

    November 12th, 2014

    The ME Bank Low Rate Card offers a low cost solution to convenient shopping. Enjoy the same low rate for purchases, cash advances and balance transfers, and add up to eight additional cardholders for free.

    Read More

    The American Express Business Card – Rates and Fees

    November 11th, 2014

    The American Express Business Card combines the benefits of a credit card with the security of a charge card. You’ll earn rewards points for your purchases plus enjoy the convenience of spending with Chip, PIN and Contactless payments for your business. As a charge card, there is no pre-set spending limit and no interest charges for what you spend

    Read More

    The Qantas American Express Business Credit Card – Rates & Fees

    November 07th, 2014

    The Qantas American Express Business Credit Card is designed for businesses. You’re able to earn rewards points for your everyday business spending as well as take advantage of features that help you track your business expenditure.

    Read More

    Citi Prestige Card Review – Rates & Details

    October 30th, 2014

    The Citibank Prestige gives cardholders access to a new world of benefits, with bonus points on signup, complimentary hotel stays, plus a balance transfer rate offer.

    Read More
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