The average Australian has been spending more with credit cards and maintaining ever increasing credit card balances. The question of how do you use your credit cards is all the more relevant during current financial conditions. Find out which camp of credit card user you belong to, and decide for yourself if that’s where you want to be.
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Credit Card Finder - Compare Australian Credit Cards
Best Credit Card Comparison and Application Service*
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
Rates last updated September 8th, 2010Compare
| 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) | |
|---|---|---|---|---|---|---|---|
 HSBC Credit Card |  Editor's Choice:0% for 6 months Balance Transfer & No Annual Fee No annual fee for life plus a NEW! 0% balance transfer for 6 months. Include's access to HSBC's rewards program. | 16.99% | 20.75% | 0% for 6 months | $0 | 55 |   |
 Suncorp Clear Options Standard Visa Card | Editor's Choice: 12 month Balance Transfer Offering a NEW! 1.9% for 12 months balance transfer option and a low interest purchase rate and annual fee. | 12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
 ANZ Low Rate MasterCard | A no frills credit card from ANZ, that offers you great value and only the things you need with a low interest rate and annual fee, and competitive balance transfer offer. | 13.24% | 21.49% | 0% for 6 months | $58 | 55 | |
 Citibank Clear Platinum Visa Card | Offering a low interest rate, and a 6 month balance transfer. Inc. complimentary international travel insurance, purchase cover protection and extended warranty on purchases. | 11.49% | 21.24% | 0% for 6 months | $49 first year (Save $50) | 55 | |
 Bankwest Lite MasterCard | Awarded the Cheapest Credit Card & the Cheapest Balance Transfer for 2010, with Australia's lowest MasterCard interest rate on purchases. | 5.99% for 12 months (reverts to 10.75%) | 21.99% | 5.99% for 12 months | $59 | 55 | |
 Aussie MasterCard | Choice between 2 offers - 2.99% p.a. on balance transfers and purchases for 6 months, or 3.99% p.a. on balance transfers for the first 12 months. | 2.99% for 6 months (reverts to 12.99%) | 19.79% | 2.99% for 6 months | $49 | 55 | |
 St George Vertigo | A great offer from St. George with a highly competitive interest rate on both purchases and balance transfers. | 12.49% | 21.24% | 2.99% for 6 months | $55 | 55 | |
 Westpac Low Rate Card | Take advantage of 1.99% p.a for the first 9 months on balance transfers. *Available only for a limited time. | 13.24% | 21.24% | 1.99% for 9 months | $45 | 55 | |
 Citibank Platinum Card | Editor's Choice: Balance Transfer for Life Receive 3.9% p.a. for the life of the balances you transfer. Approval will require a good credit rating and minimum income of $50,000 p.a. | 20.74% | 21.24% | 3.9% for life | $125 (First Year, Save $125) | 55 | |
 Woolworths Everyday Money | Editor's Choice: Shopping Rewards $0 annual fee for the first year and 0% p.a. on balance transfers for 6 months. Earn up to 3 reward points for every $1 you spend | 19.49% | 20.99% | 0% for 6 months | $0 for the first year ($49 per year after that) | 55 | |
 ANZ Frequent Flyer - Balance Transfer Option | Editor's Choice: Frequent Flyer Offer Uncapped Qantas Frequent Flyer points earning. Earn more with both an AMEX credit card and a Visa for wider acceptance. | 19.49% | 20.74% | 2.9% for 12 months | $95 | 44 | |
 Citibank Gold Card | Includes complimentary international travel insurance, and a generous credit limit of up to $25,000. Min. annual income for approval: $35,000. | 20.74% | 21.24% | 1.9% for 12 months | $149 | 55 | |
Featured Low Interest Rate Credit Card:
Bankwest Lite MasterCard
The Bankwest LiteMasterCard offer features the lowest MasterCard purchase rate in Australia at 5.99% for 12 months (reverts to 10.75%), combined with a low interest rate on balance transfers of just 5.99% p.a. for 12 months. The Bankwest Lite MasterCard also received an award for being the Cheapest Credit Card for 2010.
- 5.99% p.a. for 12 months on balance transfers.
- An interest rate of 5.99% for 12 months (reverts to 10.75%) p.a on purchases
- Low annual fee of $59.
- Up to 55 days interest free on purchases.
Featured Balance Transfer Credit Card:
ANZ Low Rate MasterCard
Offering a competitive 13.24% p.a on purchases and a 0% p.a. for 6 months balance transfer offer, it is an ideal balance transfer credit card.
- 0% p.a. for 6 months on balance transfers.
- An interest rate of 13.24% 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.
- Paperless electronic online statements available
Featured No Annual Fee Credit Card:
HSBC Credit Card
- $0 annual fee for the life of the credit card - pay no annual fee, ever!
- Special Introductory Offer! 0% p.a. for 6 months on balance transfers
- 55 interest free days on purchases
- 16.99% p.a.on-going interest rate on purchases
- Winner of Money magazine's Best Transactor Credit Card for 2010
 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. |
24 Hour Credit Card Customer Service
September 8th, 2010
If you are one of the many Australians that has a hard time getting to the bank during the day, you will be pleased to know that most cards give you access to 24 hour credit card customer service. If you need to fill out an application for a credit card, then check out this article if you have a hard time doing your banking during the daytime hours.
How To Better Manage Your Money And Your Finances
September 8th, 2010
For Australians, the general attitude towards money and money management is positive and continues to be that way. Australians are getting better at managing their money. Regardless of where you fall on the spectrum, however, there are always ways to improve managing your money.
How To Securely Destroy Your Credit Card
September 7th, 2010
5 Ways to Destroy Your Card Securely
Having a credit card can provide security and is generally much safer than carrying cash. What happens, however, when you are finished with your card? There are ways to safely and securely destroy your card without compromising your identity in the process.
Identity theft is a worldwide problem. In Australia, [...]
All You Need to Know About Balance Transfers in Relation to Cash Advances
September 6th, 2010
Balance transfers often seem like a lifeline to customers struggling with their credit card debts. But you need to be aware of the downside of balance transfers in relation to any cash advances that make up your debt.
* 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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