Setting up a direct debit on your credit card account can be a convenient way to pay for your daily or weekly expenses such as your gym membership, magazine subscriptions, the telephone bill etc. However there are also traps to avoid when it comes to using direct debit. Learn more about the pros and cons of using direct debit in this article.
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Credit Card Finder - Compare Australian Credit Cards
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Credit Card Finder is a free and 100% Australian owned service for comparing credit cards and financial products available to Australian consumers. There are no 'hidden costs' in using our services.
To ensure the best credit card choice, credit card usage and saving tips are provided alongside the latest 0% Balance Transfer and low interest credit card offers.
Your personal details are never processed by us. We provide access to a VeriSign secure link to the official bank's page, where full product terms & conditions and an online application form is available.
Below are the best credit cards* available on the market, sorted by interest rate and annual fee.
Comparison of Our Top Credit Cards
Compare
| Credit Card | Card Details | Interest Rate p.a. | Cash Advance Rate p.a. | Balance Transfer Rate p.a. | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 Bankwest Lite MasterCard |
 Editor's Choice:Best Card & Low Interest The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 9.99% p.a. |
9.99% | 20.99% | 1.99% for 12 months | $59 | 55 |   |
 St George Vertigo | Editor's Choice: Introductory Offer Competitive 2.99% for 6 months (reverts to 11.74%) p.a. interest rate from one of Australia's most respected banks. | 2.99% for 6 months (reverts to 11.74%) | 20.49% | 2.99% for 6 months | $55 | 55 | |
 Citibank Clear Platinum Visa |
A low interest rate credit card that has platinum rewards and premium benefits, currently offering 50% off the annual fee! Min. Income to apply is $50k per year |
11.49% | 20.99% | 0.99% for 6 months | $42 (1st year, save $43!) |
55 | |
 NAB Low Rate Visa Card | A low purchase rate credit card. 0% p.a. on purchases and 4.99% p.a. on balance transfer for the first 6 months. | 0% for 6 months (reverts to 12.24%) | 20.74% | 4.99% for 6 months | $49 | 55 | |
 Aussie MasterCard |
2.99% p.a on balance transfers for the 1st 6 months + 2.99% p.a. on purchases for the 1st 6 months. Reverts to just 12.29% p.a. | 2.99% for 6 months (normally 12.29%) | 18.79% | 2.99% for 6 months | $49 | 55 | |
 ANZ Low Rate MasterCard |
Editor's Choice: Balance Transfer Save with low interest rate on purchases and enjoy 0% p.a. on balance transfers for the first 6 months. |
12.49% | 20.74% | 0% for 6 months | $58 | 55 | |
|
ANZ Low Rate MasterCard |
Limited Time Only Turn your New Years resolution for 2010 to reduce credit card debt in to a reality by applying before 27 February 2010. |
12.49% | 20.74% | NEW!2.9% for 12 months | $58 | 55 | |
 Bankwest Zero Platinum MasterCard |
Editor's Choice: No Annual Fee Voted Best Transactor Credit Card for 2010 by Money magazine with No Annual Fee for Life and 1.99% p.a. for 12 monthsbalance transfer |
15.99% | 15.99% | 1.99% for 12 months | $0 | 55 | |
 HSBC Credit Card |
$0 annual fee for the life of the credit card and a 5.99% p.a. for 6 months balance transfer offer. | 16.99% | 19.99% | 5.99% for 6 months | $0 | 55 | |
 Woolworths Everyday Money Card |
Receive a bonus $50 shopping card if you apply by 31 March 2010, and make a minimum of 3 purchases on your new card by 31 May 2010. | 18.49% | 20.99% | 5.99% for 6 months | $0* | 55 | |
 Citibank Platinum |
Editor's Choice: Rewards Program - Special Offer Simply spend $500 between 1 January and 30 June and receive 20,000 points to fly any airline, any time! Good credit rating required for application approval. |
20.49% | 20.99% | 4.9% for Lifetime months | $250 | 55 | |
 Citi Silver |
Features a free rewards program along with no point expiry. Min. required income only $20,000. | 20.49% | 20.99% | 2.9% p.a. for up to 12 months. | $69 | 55 | |
 Citi Gold |
Rewards program and a 1.9% p.a. for 9 months on balance transferred - a great all-in-one card. Generous credit limit of up to $25,000. Min. required income of $35,000. | 20.49% | 20.99% | 1.9% p.a. for up to 9 months. | $119 | 55 | |
Featured Balance Transfer Credit Card:
ANZ Low Rate MasterCard
Save with a competitive 12.49% p.a on purchases and a 0% p.a. for 6 months balance transfer offer. The ideal balance transfer credit card.
- 0% p.a. for 6 months on balance transfers.
- An interest rate of 12.49% p.a on purchases
- Low annual fee of $58.
- Up to 55 days interest free on purchases.
- Get a response in 60 seconds after you complete your application.
- You don't even need to be an ANZ customer to apply.
Featured No Annual Fee Credit Card:
Bankwest Zero Platinum Credit Card
- $0 annual fee for the life of the credit card - pay no annual fee, ever!
- Special Introductory Offer! Amazingly low 1.99% p.a. for 12 months on balance transfers
- 55 interest free days on purchases
- 15.99% p.a.on-going interest rate on purchases
- Winner of Money magazine's Best Transactor Credit Card for 2010
- 12 month Australian warranty extension for purchased goods
- 24/7 concierge service to help you arrange travel, bookings, shopping and medical services
Featured Low Interest Rate Credit Card:
St. George Vertigo MasterCard
The St. George Vertigo MasterCard offer has re-launched, now featuring 2.99% for up to 6 months on both purchases and balance transfers, combined with a standard purchase interest rate at the end of 6 months of just 11.74%. The St. George Vertigo is an excellent card to consider from one of Australia's most respected banks.
- 2.99% p.a. for 6 months on balance transfers.
- An interest rate of 2.99% for 6 months (reverts to 11.74%) p.a on purchases
- Low annual fee of $55.
- Up to 55 days interest free on purchases.
 Find the credit card you are interested in via the card type or bank in the left sidebar, or read our guides to decide. |
 Compare the credit card offers in our comparison tables and come to come to an informed decision. |
 Apply for your new credit card securely via the bank's online application form. |
How To Deal With Family Breakdown, Divorce And Debt
February 8th, 2010
Unfortunately divorce usually leads to family breakdown and debt. When it comes to dealing with the financial matters it can often become ugly especially when you have children to support. Even worse is when you are left to pay off your joint debts that your ex has left behind. This article will help you learn how to deal with debt and family breakdowns.
St. George Instant Benefits Customer Rewards Program
February 8th, 2010
The St George Instant Benefits Customer Rewards Program is not a regular credit card rewards program as it does not require that you earn rewards points in order to take advantage of it. Infact just having a St George credit card means you are eligible for instant benefits, and there is no membership fee to pay! Find out more
Step By Step Guide To The Credit Card Application Process
February 8th, 2010
Filling out a credit card application can sometimes get a bit tricky especially when you are faced with terms you don’t understand. This article will help you learn how simple it is to make a credit card application. If you follow these steps you will be fully prepared and gain the confidence that your application will be approved.
How To Compare Different Types of Credit Cards
February 8th, 2010
This article will help you learn how to compare different types of credit cards. You will find out which features on balance transfer cards and rewards cards make the biggest difference. However the key to comparing different credit cards is being able to assess your own needs accurately. Find out why is this article.
* 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. 'Best', 'Top' and 'Recommended' are ratings which are subject to our consideration and are not rated against all Australian credit cards. We recommend you take this information into account when comparing cards.
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