Best Credit Cards*

Let us simplify the comparison process and help you find a new credit card

The ‘best’ credit card provides the features you are looking for and will improve your lifestyle. This table provides a cross-section of offers on our website to help you with your comparison including balance transfer cards, low rate, no annual fee and rewards options. The right credit card choice will depend on your needs and uses for the particular card. Consider your own personal circumstances when choosing which card is appropriate for you.
St.George Vertigo Platinum

Low Interest Rate Platinum Credit Card

Enjoy platinum perks including complimentary insurance covers, personal concierge service with a low annual fee. Enjoy promotional 0% interest rates with a long term balance transfer offer and low ongoing purchase rate.

  • $99 p.a. annual fee
  • 0% p.a. for 3 months (reverts to 12.74% p.a.) on purchases
  • 0% p.a. for 20 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Compare Credit Card Offers

Rates last updated February 5th, 2016.

ANZ First Visa Credit Card - Exclusive Offer

0% p.a. for 9 months on balance transfers and purchases offer have been extended to 29 Februar 2016.

January 31st, 2016

Commonwealth Bank Low Rate Credit Card

Cashback offer has been changed from $250 to $150 and will be available until 14 April 2016.

February 1st, 2016

American Express Velocity Platinum Card

0% p.a. for 12 months on balance transfers + 50,000 bonus points offers have been extended.

February 3rd, 2016

View latest updates

Jonathan Choi Jonathan
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
Platinum Credit Card Offer
0% for 20 months on balance transfers with complimentary insurances and domestic flight inconvenience insurance.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
$0 Fee Card with Balance Transfer Offer
0% p.a. for 12 months on balance transfers with no annual fee, reward points and insurances.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Long Term Balance Transfer and No Annual Fee Offer*
0% p.a. for the first 16 months on balance transfers and enjoy $0 annual fee for the first year.
6 months VISA/MC: 2 AMEX: 0 20.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Up to 75,000 Qantas Points*
Get up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and enjoy Black cardholder benefits including Qantas Points earning per $1 spent, overseas travel insurance and complimentary Qantas Club Lounge invitations.
6 months 75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Enjoy a long term balance transfer offer 0% for 24 months with a low ongoing interest rate on purchases plus a low annual fee.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
No Annual Fee Velocity Rewards Credit Card*
A $0 annual fee credit card where can earn up to 15,000 bonus points, plus Velocity Points for every dollar you spend.
15,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
HSBC Platinum Credit Card offers $0 annual fee if you meet the spend requirement and an introductory balance transfer rate of 0% for 15 months.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
St.George Vertigo Visa
Low Rate Credit Card & Long Term Balance Transfer Offer*
Enjoy a balance transfer offer of 0% p.a. for 18 months with a low annual fee from St.George
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
ME Bank frank Credit Card
No Annual Fee Low Rate Credit Card*
A low interest rate credit card that changes no annual fees.
0 months 9.99% p.a. $0 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au
0% Balance Transfer Offer* Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016.
VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 months $30 p.a. Go to site More info
Coles Low Rate MasterCard
Low Interest Rate Card with Balance Transfer Offer*
Offers low annual fee and $100 off a single supermarket shop when you apply and are approved by 9 February 2016.
VISA/MC: 0.5 AMEX: 0 12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
NAB Premium Card
Platinum Credit Card with Purchase and Balance Transfer Offer*
Enjoy Platinum benefits including complimentary travel insurance, 24/7 concierge plus a limited offer of 0% for 15 months on purchases and balance transfers.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
International Frequent Flyer Credit Card*
Receive 40,000 bonus Qantas Points on eligible spend within 3 months, 1 Qantas Point per $1 spent and complimentary international travel insurance.
4 months 40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Qantas Discovery Card
No Annual Fee Qantas Rewards Credit Card*
A $0 annual fee credit card where can earn up to 7,500 bonus points, plus 1 Qantas Point for every dollar you spend.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Rewards Credit Card with a Balance Transfer Offer*
Earn 10,000 bonus Velocity Points in your first 3 months and receive a balance transfer offer of 0% for 14 months. Also enjoy discounted domestic flights offer with Virgin Australia.
10,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
Qantas Frequent Flyer Platinum Credit Card Offer
Earn 80,000 bonus Qantas Points when you meet the minimum spend criteria and up to 2 Qantas Point per $1 spent on eligible purchases.
2 months 80,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Coles No Annual Fee MasterCard
No Annual Fee for life and a $100 Coles Supermarket discount Offer*
Pay no annual fee for the life of the card and earn 0.50 flybuys points per dollar spent.
VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
American Express Velocity Platinum Card
50,000 Velocity Points Credit Card*
Earn up to 50,000 bonus Velocity reward points on signup when you apply and on your new card within the first 3 months.
2 months 50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Platinum Frequent Flyer Credit Card Offer*
Receive 50,000 Qantas Points when you spend $2,500 within the first three months and earn 1.5 Qantas Points per $1 spent and receive complimentary insurance.
6 months 50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Woolworths Money Everyday Platinum Credit Card
Supermarket Platinum Credit Card Offer
$100 Gift Card when you apply by 31 Mar 2016. No annual fee for the first year. Earn up to $3 per dollar spent at Woolworths stores.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Platinum
Long Term Low Rate Platinum Credit Card
Platinum credit card with on purchases for 3 months and 0% p.a. for 20 on balance transfers, complimentary insurances and 24/7 concierge.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
$150 Cashback Offer
If you apply by 14 April 2016 and reach the $500 minimum spend on eligible purchases by 31 May 2016.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Rewards Program Credit Card*
Receive 10,000 Membership Rewards Bonus Points, earn 3.00 Membership Reward points per $1 spent, get a complimentary domestic return flight each year and free travel insurance.
6 months 10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
HSBC Credit Card
No Annual Fee for the Life of the Credit Card with Balance Transfer*
No annual fee for the life of the credit card, plus a balance transfer offer of 0% p.a. for 6 months.
VISA/MC: 0 AMEX: 0 17.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate
Low Interest Rate Card with Low Balance Transfer Offer*
Enjoy a low interest rate on balance transfers and purchases with a low annual fee.
VISA/MC: 0 AMEX: 0 13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
ANZ Frequent Flyer
Qantas Frequent Flyer Credit Card Offer*
Receive 25,000 bonus Qantas Points when you spend $2,500 within the first three months, earn 1 Qantas Points per $1 spent with $0 annual fee in the first year.
25,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Commonwealth Bank Low Fee Credit Card
Low Fee Credit Card
Annual fee waived if you spend $1,000 or more per year on the card.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Low Purchase Rate*
Enjoy 0% for 3% months on everyday purchases and 0% for 18% months on balance transfers.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Citi Clear Platinum Card
Platinum Credit Card with a 0% p.a. Interest Rate Offer *
A unique Platinum credit card with a low ongoing purchase rate and introductory balance transfer offer.
0 months VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and a reduced flight offer up to four times a year.
VISA/MC: 1 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
18 Month Balance Transfer Offer*
Enjoy a low and long term balance transfer offer with a rewards program offer.
6 months 60,000 bonus points VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 18 months $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info

* The offers compared on this page are chosen from a range of products finder.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 personal financial circumstances when comparing products.

What is the best credit card*?

The best credit card for your needs will combine the types of features you are looking for and meet your expectations for what you are looking to achieve with a credit card. The type of credit card that is best going to meet your needs will depend on how you’re going to use it, what you want the card for and, what your financial situation is. You will also need to consider which cards that you’re eligible to use. A student looking at their first credit card isn’t going to be applying for the same credit card as a high-income earner. But how do you know which card is best for you?

There’s a range of credit cards available in the market: everything from low fee cards to give you convenient access to credit, right through to premium credit cards that offer incredible spending power and impressive rewards. Discover the types of cards available, who they’re suited to, and how to find the ideal one for you, below.

Low rate credit cards – For the savvy frequent shopper

  • What are they? Low rate cards offer you all the convenience of a credit card while keeping your interest low.
  • Who are these credit cards suited to? People looking for a low-cost line of credit.

How can you find the right low rate credit card?

  1. Consider the interest rate - As the main draw of these cards is the low rate, the competitiveness of their interest rate should be a main point of comparison. Also check what other fees apply — annual fees or joining/membership fees for rewards programs can add significantly to the cost of the card, so take it into account. Remember that there are other features on offer as well. So if you’re looking for other qualities, such as the ability to earn rewards points or balance transfer offers, consider these in your comparison.
  2. Look for purchase rate offers - If you’re after a low rate card then chances are you’re looking for a way to reduce what you pay in interest when you make a purchase. This is where a purchase rate offer could be something to consider. You may want to contemplate a credit card with a purchase rate offer of 0% p.a. on purchases for a set period of time, providing yourself with an interest-free line of credit. Take up a credit card with a purchase rate offer and pay 0% p.a. on purchases for a set period, essentially giving yourself an interest-free line of credit.

Compare Low Rate Credit Cards

Rates last updated February 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
NAB Low Rate Credit Card
Manage your existing credit card balance with 0% for 24 months on balance transfers with a low annual fee.
13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. up to 55 days Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee. Also receive $100 off a single Coles Supermarket shop if you apply and are approved by 9 February 2016.
12.99% p.a. 0% p.a. for 6 months $49 p.a. up to 62 days Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer and 0% on purchases for 3 months with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. up to 55 days Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. up to 55 days Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 months $30 p.a. up to 44 days Go to site More info

Want up to 12 months of interest-free spending?

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Low and no annual fee credit cards – For when you need it

  • What are they? Low and no annual fee credit cards help limit your ongoing costs no matter how much you spend, giving you constant access to credit.
  • Who are these credit cards suited to? Cardholders looking for an emergency credit card, or lucrative, low-cost credit card deals.

How can you find the right low and no annual fee credit cards?

  1. Compare the lowest annual fees and consider the interest rate - These cards come with either no annual fee or a low annual fee, which can apply to the life of the card or for a promotional period, such as the first year. The other main cost that comes with a credit card is the interest rate, so be sure also to check this and ensure it’s competitive. Consider how much it will cost you to make purchases on the card if you don’t pay back your balance each statement period.
  2. Combine a balance transfer with a no annual fee for more savings - If you have an existing credit card debt you might want to consider a balance transfer credit card. By transferring your balance to a no annual fee balance transfer card, you can maintain a no-cost way of paying back your debt. Keep in mind you’ll need to pay it back within the promotional period to avoid interest being charged, but these periods can be quite long — some up to 14 months.
  3. Enjoy a rewards program for $0 a year - Want to receive rewards for your purchases while paying no or a low annual fee? It’s possible, and the rewards points-earning potential can be quite beneficial, too. Some of these rewards cards offer bonus points on sign-up, a high earn rate per dollar spent, and two cards linked to the same account to let you tailor your spending and earning.

Compare low and no annual fee cards

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
15,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 17.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
0 months 9.99% p.a. $0 p.a. Go to site More info
Bankwest Zero Platinum MasterCard
$0 foreign transaction fee with a $0 annual fee and complimentary travel insurance.
6 months VISA/MC: 0 AMEX: 0 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info

Low and no annual fee cards that earn you rewards points

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Balance transfer credit cards – Because it’s time for interest relief

  • What are they? You can use balance transfer credit cards to pay down an existing debt from a credit, store or charge card and pay 0% p.a. for the introductory period. You can also consolidate other debts with some balance transfer cards, such as personal loans.
  • Who are these credit cards suited to? Consider a balance transfer card if you want to pay down existing debt while saving on interest repayments.

How can you find the right balance transfer credit card?

  1. How good is the balance transfer offer? There are a few ways to check how competitive an offer is. The interest rate you’ll be charged on a balance transfer card is usually 0% p.a., but it can also be offered at a low rate. The length of the balance transfer period also differs, generally with terms of between six and 24 months available. Other points of difference include the rate that will be applied to any outstanding balance when the promotional period is over, and whether or not a balance transfer fee will be applied.
  2. Consider the card as a whole. Balance transfer credit cards need to be thought of as whole packages rather than standalone offers. Consider other features as well as the balance transfer offer. How competitive is the purchase rate and does the card have an annual fee? Does the card offer what you want in terms of rewards programs, special privileges and insurances?

Compare long term balance transfer credit cards and repay your debt with 0% interest

Rates last updated February 5th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you spend $500 within two months, plus enjoy 0% p.a. for 12 months on balance transfers and no annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info

Why not rid yourself of interest repayments?

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Frequent flyer credit cards – For the frequent flyer

  • What are they? These cards give you a way to earn frequent flyer points, either directly or by transferring every dollar you spend into points with your chosen airline loyalty program.
  • Who should consider frequent flyer cards?  People who travel frequently and want to maximise points with a credit card.

How can you find the right frequent flyer credit card?

  1. How you can earn points - There are a few factors that will influence how many frequent flyer points you stand to earn. The most obvious one is the earn rate — namely, the rate at which you earn points per dollar you spend. A dual card account (two cards on the one account) can offer you two earn rates and can help you tailor the way you spend.  Another thing to take into account is any points cap that may apply, which may be per statement period or per year. If you plan to spend a lot on your card, this could influence the number of points you can earn.
  2. Other valuable features - What other features do you want from your card? Are there any bonus points on offer? Does your card come with a purchase rate offer or even a promotional balance transfer rate? There could also be an annual fee waiver for the first year that could help you save while you earn points.

Compare frequent flyer credit cards and get the highest earn rates

Rates last updated February 5th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
50,000 bonus points 0.5 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
American Express Velocity Escape Card - Exclusive Offer
15,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
10,000 bonus points 1 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

What are the lists of frequent flyer cards and how much points can I earn?

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Rewards credit cards – Get rewarded for everyday spending

  • What are they? Rewards cards allow you to opt-in to various rewards programs and earn points for every dollar you spend. Redeem rewards for shopping, travel, gift vouchers and more.
  • Who are these cards suited to? Frequent credit card users who want to travel frequently and want to maximise points earn rewards for spending.

Which rewards credit card is the most rewarding?

  1.  What kind of rewards do you want to earn? This is an important question to ask. Rewards programs can differ greatly in the kinds of reward they offer for you to redeem, from flights and other travel options to shopping, vouchers, and more. Make sure the rewards available to redeem are things that are of interest to you.
  2. Features of the card - The rate at which you earn reward points is an important factor to take into account, as is whether you receive bonus points, complimentary insurances, or any other features, such as a purchase rate offer or balance transfer rate. Also, consider the standard costs of the card including the annual fee, rates, and whether any fee applies to join the rewards program. This will show you how much value you can get from the card.

Compare Rewards credit cards with the bonus points on signup

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Qantas Credit Card
Earn up to 40,000 bonus Qantas Points if you apply by 30 April 2016, approved and meet eligible spend criteria within 3 months.
4 months 40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Qantas Premium Card
Earn up to 80,000 bonus Qantas Points, plus earn Qantas Points for every $1 you spend.
2 months 80,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
6 months 75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points when you spend $300 in the first 3 months.
15,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 14 months and also earn 10,000 bonus Velocity Points when you spend $5,000 or more within the first 3 months.
10,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

I’m looking to maximise my rewards, which cards can I compare? 

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Gold, Platinum and Black credit cards – Enjoy the extra perks on your card

  • What are they? Gold, Platinum and Black credit cards provide access to premium features.
  • Who are these cards suited to? This card is designed for high spenders who want to enjoy premium features like rewards points, complimentary insurances, concierge services, free flights and airport lounge passes.

How can you find the ideal gold, platinum and black credit cards?

  1. How much does the card cost? These cards, due to their premium features, cost more to own than other standard credit cards. They tend to come with a higher annual fee and less competitive purchase rates, but this is all relative to the rewards you receive while using the card. It can help to calculate the monetary value of the rewards to compare it against the cost of owning the card.
  2. Is it worth it? There are two major things you need to factor in when determining the value of the card — how much the card will cost to own versus its features, and whether you as the cardholder will find value from the rewards and premium features the card gives you access to. Will you use the card enough to find value from it? Consider the potential value carefully before you apply for one of these cards.

Gold, platinum and black credit card offers

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers and a $0 p.a. annual fee for the first year. You can also collect 2.000 rewards points for every $1 spent on your Platinum Visa card.

6 months VISA/MC: 2 AMEX: 0 20.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
6 months 75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
4 months 40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Qantas Premium Card
Earn 80,000 bonus Qantas Points, plus Qantas Points for every $1 you spend, and more Qantas Points for every dollar you spend on selected Qantas services. Offer ends 29 February 2016. A low balance transfer rate of 0% p.a. for 12 months applies.
2 months 80,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info

I want all the perks combined on my credit card

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Business credit cards – Tailor your card to your business needs

  • What are they? Business credit cards can give your business access to a convenient line of credit to help manage fluctuations in your cashflow.
  • Who are these cards suited to? All sized business, from small to medium-sized organisations to larger corporations, who want access to credit to help manage the business’ finances.

Finding the *best credit cards for your business

  1. Consider the business credit card features - Business credit cards come with a myriad of possibilities — from your standard cards designed for small to medium sized businesses to larger corporations. You can opt for a card that earns your business rewards points, one that offers you complimentary insurances or even one that helps you save on your business purchases. Compare your options and discover the possibilities.
  2. Decide what your business needs - Does your business need a simple card that will support your business expenditure while helping to keep costs low, or would you prefer a line of credit that rewards you for what you would regularly spend? You need to work out what your business needs from this card and what features it would use. Purchase rate offers, balance transfers, and rewards points are all on offer. Essentially, what card can your business afford and what features do you want?

What business credit card options are available?

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Platinum Business Card
Receive 150,000 bonus points, earn 1.00 Membership Rewards point for every dollar spent, complimentary insurances and access to over 600 airport lounges.
6 months 150,000 bonus points VISA/MC: 0 AMEX: 1 $1,500 p.a. Go to site More info
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more.
0 months VISA/MC: 0 AMEX: 1 $249 p.a. Go to site More info
American Express Gold Business Card
Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
2 months 10,000 bonus points VISA/MC: 0 AMEX: 1 $169 p.a. Go to site More info
American Express Qantas Business Credit Card
Up to 55 days interest free on purchases plus earn 1 on eligible purchases.
0 months 1 $299 p.a. More info

What are my options if I run or am part of a business?

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Student credit cards – Avoid the traps and learn the ropes first

  • What are they? Low-cost card options are available for those on lower incomes who need a convenient line of credit.
  • Who are these cards suited to? You guessed it — students, who are likely looking for their first card and are after a low-cost card option. These cards are tailored to suit the student lifestyle and are a great way to build credit and understand the responsibilities of debt with the use of lower credit limits.

I’m a student. What’s the *best credit card for me?

  1. Are you eligible? This is an important aspect to consider before you apply. While card providers may name their cards ‘student credit cards’ there are still minimum income, employment and residency criteria you have to fulfill in order to be eligible. Most cards have a minimum income requirement of $15,000 p.a.
  2. Important card features you need to look at - Check what interest rate will apply to your purchases and whether or not you will be charged an annual fee. You can also consider features such as purchase rate offers, balance transfer rates (if you have a current card debt) and low foreign transaction fees if you plan to take it overseas.

Low annual fee and low rate student credit cards

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ First Student Card Offer
Student credit card with no annual fee for the first year and up to 44 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
NAB Low Rate Credit Card
A credit card which has a low ongoing purchase rate with balance transfer offer.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee. Also receive $100 off a single Coles Supermarket shop if you apply and are approved by 9 February 2016.
VISA/MC: 0.5 AMEX: 0 12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
ME Bank frank Credit Card
A great credit card option for students. No annual fee and a low interest rate on purchases.
0 months 9.99% p.a. $0 p.a. Go to site More info

I’m a student looking for a low maintenance card

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261 Responses to Best Credit Cards*

  1. Default Gravatar
    | February 3, 2016

    Need a reward card $1 to 1 point + travel insurance + annual fee Can you provide a range of credit cards to the abovemnentioned. So far only st. George amplify card. Anymore?

    • Staff
      Sally | February 3, 2016

      Hi Steve,

      Thanks for your question.

      You can compare rewards credit cards here.

      You can further refine your search by looking at rewards cards with complimentary travel insurance here. You can compare rewards credit cards with no annual fee here.

      I hope this has helped.

      Cheers,

      Sally

  2. Default Gravatar
    steven | January 22, 2016

    Hello
    I am in the last year of my bankruptcy and I was wondering if there is a credit card company that is willing to give me a chance i want to start repairing my credit rating. I am employed and gave a regular income coming in. Please help

    • Staff
      Debbie | January 22, 2016

      Hi Steven,

      Thanks for your inquiry.
      Please note that you’ve come through finder.com.au, an online comparison service and is not in the position to recommend any specific providers, products or services.

      You may want to refer on this page on how to fix your credit file after bankruptcy that may help on your future credit card application.

      I hope this helps.

      Cheers,
      Debbie

  3. Default Gravatar
    Lea | November 9, 2015

    Hi i have a suncorp card can i change to a lower interest card and how do i go about it

    • Staff
      Debbie | November 10, 2015

      Hi Lea,

      Thank you for your inquiry.
      You can start comparing a list of credit cards on this page if you are after balance transfer. For credit cards with low interest rates on purchases, kindly refer to this page.

      You can start applying by clicking the green button that says “Go to site”, please make sure to check the eligibility requirements before doing so.
      I hope this helps.
      Cheers,
      Debbie

  4. Default Gravatar
    josh | October 26, 2015

    Which credit cards can i apply for if i am on centerlink

    • Default Gravatar
      josh | October 26, 2015

      Hi Jonathan,
      I was hope you could tell me of any banks that might lend to us so i can compare and find out more criteria

    • Staff
      Jonathan | October 27, 2015

      Hi Josh, thanks for your response.

      Unfortunately we are unable to recommend any specific lenders as we are a comparison service, positioning information and all the credit card products on the market.

      Cheers,

      Jonathan

    • Staff
      Jonathan | October 26, 2015

      Hi Josh, thanks for your inquiry!

      Income eligibility based on Centrelink benefits varies depending on the bank/ lender. To allow us to assist you further was there a specific credit card/ bank you were inquiring about today?

      Cheers,

      Jonathan

  5. Default Gravatar
    Tony | October 26, 2015

    How does the westpac alt black compare to other cards that offer similar services?

    • Staff
      Debbie | October 26, 2015

      Hi Tony,

      Thank you for your inquiry.
      Westpac Altitude Black may have different fees, rewards and introductory offers, you can compare other black credit cards on this page.
      I hope this helps.

      Cheers,
      Debbie

  6. Default Gravatar
    Daniel | September 16, 2015

    what is limit of this card ?

    • Staff
      Jonathan | September 17, 2015

      Hi Daniel, thanks for your inquiry!

      To allow us to assist you further could you please state which credit card you are inquiring about today?

      Cheers,

      Jonathan

  7. Default Gravatar
    Daniel | September 15, 2015

    Can age limit effect for this card registration ?

    • Staff
      Sally | September 16, 2015

      Hi Daniel,

      Thank you for your question.

      Yes, card applications usually require the applicant to be at least 18 years of age. Please refer to this page for further information.
      I hope this helps.

      Cheers,

      Sally

  8. Default Gravatar
    Bernard | September 15, 2015

    Hello and salutations
    at present I have to credit cards and repayments 300 a month i have good credit record,I am unemployed own my own place could you recommend a credit card i can transfer both balances to so I have one card and one payment the balance at present is 15000 you recommendation is of no liability or to you or any other problems would like to here you opinion thank you

    • Staff
      Jonathan | September 16, 2015

      Hi Bernard, thanks for your inquiry.

      Please note that finder.com.au is an online comparison service and is not in the position to recommend specific products, providers and services to you, as the best option will always depend on your individual financial needs and situation.

      You may want to compare credit cards with the best balance transfer rates to find one that suits you. Please take note of the eligibility requirements at the bottom of each credit card’s review page as each submitted application will appear on your credit history.

      I hope this has helped.

      Thanks,

      Jonathan

  9. Default Gravatar
    billy | September 8, 2015

    Need a new car

  10. Default Gravatar
    Meg | September 7, 2015

    Hi I do not have a good credit rating due to my name and id being used by another person I am in process of investigation and hope to have cleared soon but it has and can take some time I am in desperate need of a credit card or personal loan I am on a DSP benefit can you please help cheers

    • Staff
      Jonathan | September 7, 2015

      Hi Meg, thanks for your inquiry!

      You may like to refer to credit repair services which help repair your credit file from inaccurate records by going to this page. You can also compare credit cards on this page and personal loans on this page.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
One of the lowest rate balance transfer deals combined with a low on-going purchase rate.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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.

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