Comparison of Credit Cards

Learn about our information serviceRates last updated September 27th, 2016. Comparing 341 credit cards from 137 issuers.

Purchase rate (p.a.) Bonus Points Annual fee Balance transfer rate (p.a.)
St.George Vertigo Visa

0% p.a. Balance Transfer for 18 months

A long term balance transfer offer, together with a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. 0% p.a. for 18 months Go to site More info
American Express Essential Credit Card
Smartphone Screen Insurance, $0 Annual Fee and 0% Balance Transfer
Receive a $50 credit when you spend $750 on your new card within the first 3 months from card approval and a 0% p.a. balance transfer rate for 12 months. Plus enjoy no annual fee for life.
14.99% p.a. $0 p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 p.a. thereafter) 0% p.a. for 16 months Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer Offer with a Balance Transfer and Bonus Velocity Points
Offering 0% p.a. interest rate on balance transfers for 18 months and earn bonus Velocity Points in the first 3 months.
20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) 0% p.a. for 18 months Go to site More info
HSBC Platinum Credit Card
Annual Fee Refund
This platinum card caters for those who want high credit limits and personal concierge service. The annual fee is refunded each year when you spend $6,000 on eligible purchases.
19.99% p.a. $149 p.a. 0% p.a. for 15 months Go to site More info
Westpac Low Rate Card

Low Purchase Rate with Long Term Balance Transfer Offer

A credit card with a low credit card fee and long term balance transfer offer of 0% p.a. for 18 months.
1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. 0% p.a. for 18 months Go to site More info
St.George Vertigo Platinum
Low Interest Rate Platinum Card with Long Term Balance Transfer Offer
A platinum card with a low interest rate everyday. Introductory offer on balance transfers for 20 months.
1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. 0% p.a. for 20 months Go to site More info
Citi Qantas Signature Credit Card
70,000 Qantas Bonus Points Offer
Receive 70,000 bonus Qantas Points when you meet the minimum spend and pay a reduced annual fee for the first year.
20.99% p.a. 70,000 bonus points $99 p.a. annual fee for the first year ($395 p.a. thereafter) 0% p.a. for 6 months Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy 0% p.a. for the first 12 months on balance transfers, plus 0% p.a. for the first 3 months on purchases.

0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. 0% p.a. for 12 months Go to site More info
ME Bank frank Credit Card

No Annual Fee Low Rate Credit Card

A low interest rate credit card that charges no annual fees.
11.99% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au - $200 back
Pay no annual fee for the first year and receive $200 back when you spend $500 in the first 3 months.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
Low Balance Transfer Offer
The NAB Low Rate Credit Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. 0% p.a. for 15 months with a one off 2% balance transfer fee Go to site More info
ANZ First Visa Credit Card
Low Annual Fee and up to interest-free days
Enjoy a low annual fee of $30, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. $30 p.a. 0% p.a. for 18 months with 3% balance transfer fee Go to site More info
Virgin No Annual Fee Credit Card
No Annual Fee with Balance Transfer & Cashback Offer
Enjoy a balance transfer offer of 0% p.a. for 18 month, $100 cashback offer and $0 annual fee for life.
18.99% p.a. $0 p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer Credit Card
The HSBC Platinum Qantas Credit Card offers a competitive earn rate on purchases. Bonus 60,000 Qantas Points offer on eligible spend within 3 months.
19.99% p.a. 60,000 bonus points $199 p.a. Go to site More info
Newcastle Permanent Value+ Credit Card
Low Interest Rate Credit Card
Offering an everyday low interest rate of on purchases, balance transfers and cash advances.
11.49% p.a. $49 p.a. Go to site More info
NAB Low Fee Card
Low Annual Fee Purchase and Balance Transfer Offer
Enjoy a long term balance transfer and purchase rate offer of 0% p.a. for 15 months, for a $30 annual fee.
0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. 0% p.a. for 15 months with a one off 2% balance transfer fee Go to site More info
American Express Explorer Credit Card
100,000 Membership Rewards Bonus Points
Receive 100,000 Membership Rewards Bonus Pointson eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
20.74% p.a. 100,000 bonus points $395 p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Bank of Melbourne Vertigo Visa Credit Card

Low Interest Rate Offer with Balance Transfer Offer

Enjoy a low rate on your everyday purchases with a low balance offer of 0% p.a. for 18 months.
1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. 0% p.a. for 18 months Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Also receive a complimentary Virgin Australia domestic economy return flight every year.

20.74% p.a. 10,000 bonus points $195 p.a. 0% p.a. for 12 months with 1% balance transfer fee 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.

Why use Credit Card Finder® to compare your next credit card?

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 issuers, 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. Consider your own personal circumstances when choosing which card is best for you. This table provides a cross-section of offers on our website to help you with your comparison.

American Express Essential Credit Card

Low Purchase Rate Card Offer

The American Express Essential™ Credit Card offers a low interest rate on purchases, no annual fee, Membership Rewards points and a promotional balance transfer rate.

  • $0 p.a. annual fee
  • 14.99% p.a. on purchases
  • 0% p.a. for 12 months with 1% balance transfer fee on balance transfers
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance Transfer Card Offer

Earn Velocity Points on your everyday spend with the Virgin Australia Velocity Flyer Credit Card and enjoy a long-term introductory balance transfer offer with a discounted annual fee in the first year.

  • $64 p.a. annual fee for the first year ($129 p.a. thereafter) annual fee
  • 20.74% p.a. on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $35,000 p.a.
HSBC Platinum Qantas Credit Card

Qantas Frequent Flyer Card Offer

The HSBC Platinum Qantas card is a credit card that allows you to receive bonus Qantas Points and a low introductory balance transfer offer.

  • $199 p.a. annual fee
  • 19.99% p.a. on purchases
  • Cash Advance Rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.
 
Find credit card you are interested in via the card type or bank, or read our guides to decide.
Find
 
Compare the credit card offers in our credit card comparison tables to come to an informed decision.
Compare
 
Apply for your new credit card securely via the bank’s online credit card application form.
Apply

Credit Cards Articles and Guides

Bankwest Business Rewards

bankwest logo

September 13th, 2016

Understand how the Bankwest Business Rewards program works and compare how you could pick up rewards on your business costs today.

Read More

BankSA Balance Transfer guide

September 08th, 2016

Looking to clear your debt? Consider a BankSA balance transfer.If you’re feeling burdened by high interest credit card debt, then it might be time to consider a BankSA balance transfer. To help you compare your options, we’ve summarised some of the benefits and features in this how-to guide on applying for a balance transfer with […]

Read More

How to avoid credit card booking fees on flights

coupleshutterstock

September 01st, 2016

The RBA credit card surcharge ban might curb some excessive booking fees, but how can you avoid them when booking your next flight?

Read More

Why more Millennials should consider a credit card

Millenials

August 31st, 2016

More than half of Australians aged between 18 and 35 don’t own a credit card and are missing out on the benefits of building up a credit history early.

Read More

ANZ Platinum Credit Card – Rates and Fees

August 31st, 2016

The ANZ Platinum credit card is providing premium benefits plus a low balance transfer offer and no annual fee in the first year.

Read More
Ask a question
feedback