Best Credit Cards

Are you looking to find the best credit card for your needs?

Listed below are some of the best credit cards* on offer in Australia. Each of these cards offer leading features and the best credit card choice will depend on your needs and uses for the particular card. The comparison table features balance transfer cards, low rate, no annual fee and rewards options.

St.George Vertigo Visa

Low Interest Rate Credit Card

Enjoy a low rate balance transfer offer. The card also features a low ongoing purchase rate and a low annual fee.

  • $55 p.a. annual fee
  • 0% p.a. for 3 months (reverts to 13.24% p.a.) on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Best Credit Card Comparison

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
Low Rate Credit Card & Long Term Balance Transfer Offer*
Enjoy a balance transfer offer for 18 months. Plus a low annual fee from St George.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
No Annual Fee Credit Card with Balance Transfer Offer*
No annual fee charged with this credit card, plus a low long term balance transfer offer. Take advantage of the 0% p.a. for 14 months balance transfer offer
18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
Low Rate Platinum Credit Card
Low ongoing interest rate with complimentary insurances, including domestic flight inconvenience insurance.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Enjoy a low interest rate offer on purchases plus a low annual fee.
0% p.a. for 12 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
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive Offer to finder.com.au
Platinum Credit Card with Travel Insurance*
No annual fee for the first year with a low interest rate on purchases and balance transfers. Overseas travel insurance for return trips up to 6 months.
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) 21.29% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
HSBC Platinum Credit Card offers a $0 p.a. annual fee for the life of the credit card and an introductory balance transfer rate.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Rewards Credit Card with a Balance Transfer Offer*
A low balance transfer offer. Plus discounted domestic flights offer with Virgin Australia up to 4 times a year (conditions apply).
20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
Bank of Melbourne Vertigo Platinum
Long Term Low Rate Platinum Credit Card
Long term balance transfer with a low ongoing rate on purchases, together with complimentary insurances.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
Low Interest Rate & Low Annual Fee Credit Card*
Westpac Low Rate credit card offers a low purchase and long term balance transfer rate, with a low annual fee.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
24 Month Balance Transfer Offer*
Enjoy a low and long term balance transfer offer with a rewards program offer.
20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
Long Term Balance Transfer Credit Card with No Annual Fee
Enjoy a simple credit card that offers a long period on balance transfers with no annual fee and no late fees to pay.
19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
Westpac Low Rate Card - Exclusive Offer
Westpac Low Rate Card - Exclusive Offer
Exclusive Offer to finder.com.au
20 months Balance Transfer Offer
A low interest rate on purchases and an exclusive balance transfer offer with a long term.
13.49% p.a. 0% p.a. for 20 months with 2.5% balance transfer fee $59 p.a. 21.49% p.a. Go to site More info
Bankwest Breeze MasterCard - Exclusive Offer
Bankwest Breeze MasterCard - Exclusive Offer
Exclusive Offer to finder.com.au
Low Purchase Rate and Introductory Purchase Rate Offer *
Enjoy a low ongoing purchase rate, and an introductory offer on purchases, together with a low annual fee.
0% p.a. for 13 months (reverts to 12.99% p.a.) $59 p.a. 21.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
No Annual Fee Qantas Rewards Credit Card*
A $0 annual fee credit card where can earn up to 7500 bonus points, plus Qantas Points for every dollar you spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Low Rate
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.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
American Express Rewards Program Credit Card*
Receive 10,000 Membership Rewards Bonus Points when you spend $500 on your Card in the first 2 months of your Card membership, Plus earn 3.00 Membership Reward points per $1 spent at major supermarkets including Coles and Woolworths.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Velocity Rewards Program with No Annual Fee*
Earn 7,500 bonus Velocity points if you spend $300 in the first 3 months. Plus $0 annual fee.
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 Credit Card
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 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
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Up to 50,000 Qantas Points*
Up to 50,000 bonus Qantas Points when you meet the minimum spend requirement and no annual fee in the first year. Uncapped rewards earning potential and complimentary Qantas Club Lounge invitations.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum Card with Ongoing Low Interest Rate
Low ongoing interest rate with purchase protection and travel insurance.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
Qantas Frequent Flyer Credit Card Offer*
Receive 50,000 Qantas Points after you spend $3,000 on purchases within the first 3 months when you apply by 30 June 2015.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Classic Card
Long Term Balance Transfer Offer*
Enjoy a long term balance transfer rate to help consolidate and pay down debt. Also benefit from the 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 Frequent Flyer Credit Card*
HSBC Platinum Qantas Credit Card offers a strong earn rate on purchases plus receive a bonus 20,000 Qantas Point when you apply, are approved and make an eligible purchases within 3 months of applying.
19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. 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 own personal financial circumstances when comparing products.

What is the *best credit card?

That answer is easy: there is no one *best credit card. Think about it — what’s best for you isn’t going to be best for somebody else. The type of credit card that is best going to meet your needs is going to depend on how you’re going to use it, what you want the card for, what your financial situation is and also, the cards that you’re eligible for. 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 give you incredible spending power and impressive rewards. Find out about all types of cards available to you below, who they’re best suited to, and how to find the best one for you, below.

Low rate credit cards – For the savvy frequent shopper

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

How you can find the best low rate credit card

  1. First and foremost look at 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 other features are on offer as well. If you’re after other features, such as the ability to earn rewards points or balance transfer offers, make these a part of your comparison.
  2. 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. Take up a credit card with a purchase rate offer and pay 0% p.a. on purchases for a set period of time, essentially giving yourself an interest-free line of credit.

What are the lowest rate credit cards?

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a low interest rate combined with a purchase offer of 0% p.a. for 12 months. Apply by 11 October 2015. 0% p.a. for 12 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

Want up to 12 months of interest-free spending?

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

  • Low and no annual fee credit cards help keep your ongoing costs low no matter how much you spend, giving you constant access to credit.
  • You might benefit if you’re looking for an emergency credit card, or if you’re looking for lucrative, low-cost credit card deals.

How you can find the best 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, say for the first year. The other main cost that comes with a credit card is the interest rate, so be sure to also check this and ensure it’s competitive. How much will it cost you to make purchases on the card if you don’t pay back your balance each statement period?
  2. Are you going to balance transfer? Combine 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 essentially have 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 - How does being rewarded for your purchases while paying no or a low annual fee sound? It’s possible, and the rewards points-earning potential can be quite lucrative, 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.

What low and no annual fee cards are available?

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
Get low balance transfer offer and no annual fee plus enjoy free bottles of wine from Citibank Dining Program. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for life, 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

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

  • Pay down an existing debt from a credit, store or charge card and pay 0% p.a. for up to 18 months. You can also consolidate other debts with some balance transfer cards. 
  • Consider a balance transfer card if you want to pay down existing debt whilst saving on interest repayments.

What to know to find the best 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. How good is the credit card? Balance transfer credit cards need to be thought of as whole packages rather than standalone offers. Consider not only the balance transfer offer but also the other features of the card. How competitive is the purchase rate and does the card have an annual fee? Does the card offer you what you want in terms of rewards programs, special privileges and insurances?

What are the longest balance transfer credit cards available?

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer and a long purchase rate offer plus a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases 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. 21.49% 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

  • These cards give you a way to earn frequent flyer points, either directly or by transferring points, for the airline loyalty program of your choice for each dollar you spend.
  • Who should consider frequent flyer cards? People who travel frequently and want to maximise points with a credit card.

How can you get the best frequent flyer credit card?

  1. Features of frequent flyer cards to consider - 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 amount of points you could earn. 
  2. Other features that can make one of these cards ‘the best’ - 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.

What frequent flyer credit cards have the highest earn rates?

Rates last updated May 25th, 2015

Bonus Points Visa / MasterCard points per $ spent Amex points per $ spent Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
50,000 bonus points 2 3 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
1 2 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
50,000 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

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

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Rewards credit cards – Get more of your moneys’ worth

  • 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 best suited to? Frequent credit card users who want to 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.

Rewards credit cards with the most bonus points on signup

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
Pay no annual fee for the first year and receive 50,000 Reward Points when you spend $3,000 on purchases within the first 3 months. Offer ends 30 June 2015. 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) VISA/MC: 2 AMEX: 3 Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points when you spend $3,000 on purchases within the first three months and pay no annual fee for the first year. 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) VISA/MC: 1.5 AMEX: 3 Go to site More info
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Apply for the ANZ Rewards Credit Card and get 50,000 Reward Points after you spend $3,000 on purchases within the first three months. 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) VISA/MC: 1.5 AMEX: 2 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

  • Why not take advantage of how much you use your credit card by giving yourself access to premium features?
  • This card is best for high spenders who want to enjoy premium features like rewards points, complimentary insurances, concierge service, free flights and airport lounge passes. 

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

  1. How much does the card cost? These cards, considering 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 from owning 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 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.

Popular gold, platinum and black credit card offers

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 Velocity Points when you spend $5,000 or more in first 3 months. 0% p.a. for 16 months on balance transfers. 20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Earn 1.500 points per $1 spent on eligible purchases. Plus enjoy a low balance transfer offer. Receive 40,000 bonus Qantas Points. Apply by 11 October 2015. 19.99% p.a. 0% p.a. for 15 months $250 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0% p.a. on balance transfers for 15 months and 20,000 bonus Velocity Points when you make an everyday purchase. You gain both Visa and American Express cards which are linked to one single account and annual fee. 19.99% p.a. 0% p.a. for 15 months $150 p.a. 21.74% p.a. Go to site More info
Westpac Altitude Black
Westpac Altitude Black
Access a dedicated concierge & iPhone app, your own personal shopper and a range of complimentary travel and purchase insurances. Offers two reward programs which you can choose between Altitude or Qantas Rewards. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. 21.24% 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

  • Give your business access to a convenient line of credit to help manage fluctuations in your cashflow.
  • These cards are tailored to suit all sized business, from small to medium-sized business to larger corporations, who want access to credit and to help manage your business’ financials.

Finding the best credit cards* for your business

  1. Business credit card features - There’s myriad possibilities with business credit cards — 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. Look through your options and discover the possibilities. 
  2. Deciding 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 spending what you would be anyway? You need to work out how 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. What card can your business afford and what features do you want?

What business credit card options are available?

Rates last updated May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Altitude Platinum Business Credit Card
Westpac Altitude Platinum Business Credit Card
A platinum card with uncapped earnings and an introductory purchase rate offer. 0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.24% p.a. Go to site More info
Commonwealth Bank Business Awards Platinum credit card
Commonwealth Bank Business Awards Platinum credit card
A business credit card that lets you earn reward points for every dollar spent. 20.74% p.a. $300 p.a. 21.74% p.a. Go to site More info
Commonwealth Bank Business Awards Gold credit card
Commonwealth Bank Business Awards Gold credit card
A business credit card with reward points per $1 spent on your purchases. 20.74% p.a. $150 p.a. 21.74% p.a. Go to site 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

  • Low-cost card options are available for those on lower incomes who need a convenient line of credit.
  • These cards are 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 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 May 25th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ First Student Card Offer
ANZ First Student Card Offer
This simple a low annual fee credit card is ideal for students 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
St.George Vertigo Visa
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases and balance transfers. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info

I’m a student looking for a low maintenance card

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194 Responses to Best Credit Cards

  1. Default Gravatar
    needle | May 19, 2015

    Can you keep changing from credit card to credit card balance transfers to keep your rate low until you’ve paid it off?

    • Staff
      Jonathan | May 20, 2015

      Hi Needle, thanks for your inquiry!

      If you meet the application criteria/ eligibility requirements of the bank then you will be eligible to apply for other balance transfer cards, essentially providing as many balance transfer offers needed to repay the debt.

      Cheers,

      Jonathan

  2. Default Gravatar
    Narelle | May 7, 2015

    Hi, I am going on a holiday in August 2015 to the UK. I need a credit card of $5000, prior to going. I will need to pay this off at ~$100 a month over the next 4-5 years. What would be best for me?

    • Staff
      Jonathan | May 7, 2015

      Hi Narelle, thanks for your inquiry!

      The maximum period for a purchase promotional credit card is 12 months, before the purchase revert rate is active. You may like to compare low interest rate credit cards and personal loans.

      Cheers,

      Jonathan

  3. Default Gravatar
    atti22 | May 5, 2015

    which bank is most willing to look at large balance transfers, i.e. over $30 000

  4. Default Gravatar
    IGNATIUS | May 4, 2015

    I need a credit card with the best rewards. The interest rate does not matter. The yearly annual fee should be less than $100.00.

    thanks

  5. Default Gravatar
    Lorraine | April 26, 2015

    I would like credit card for the amount of $1500 not necessarily more than this. low interested rates etc. what is my best option.

    • Staff
      Jonathan | April 28, 2015

      Hi Lorraine, thanks for your inquiry!

      You may like to refer to the following link for a list of low rate credit cards.

      Cheers,

      Jonathan

  6. Default Gravatar
    jade | April 22, 2015

    Find out my credit rating.

    • Staff
      Jonathan | April 23, 2015

      Hi Jade, thanks for your inquiry!

      For more information on how to receive a free copy of your credit report please see this page.

      Cheers,

      Jonathan

  7. Default Gravatar
    nirmala | April 11, 2015

    hi, I would like to apply for a low fee credit card with complementary travel insurance and no fee international transactions.

    • Staff
      Jonathan | April 14, 2015

      Hi Nirmala, thanks for your inquiry!

      Please refer to this page for a list of credit cards which include complimentary travel insurance. From this page you can compare cards based on annual fee and international transaction fees.

      Cheers,

      Jonathan

  8. Default Gravatar
    Margaret | April 9, 2015

    Hi. I would like to apply for a Low Rate Credit Card. Is there one I can apply for that does not require a Credit Check or a Veda report. I do not have a credit card and it is so frustrating as I cannot pay for flights or work Conferences that I need to attend.
    Many thanks.
    Peggie

    • Staff
      Jonathan | April 10, 2015

      Hi Margaret, thanks for your inquiry!

      All credit lending institutions will require a credit check to assess the standard of the potential customer, to determine whether the product is suitable to their ability to repay the product. Please refer to the following link for more information on how to get your credit card application approved.

      Cheers,

      Jonathan

  9. Default Gravatar
    anthony | April 9, 2015

    Hello Could you Please place me name on your Subscribe newsletter.
    Thank You.

    • Staff
      Jonathan | April 10, 2015

      Hi Anthony, thanks for getting in touch with us!

      We have added you to our newsletter mailing list. You can expect the next release at the end of the month which will be sent to your email.

      Cheers,

      Jonathan

  10. Default Gravatar
    joanne | April 7, 2015

    Was wanting to know about St Goerge credit card.

    • Staff
      Jonathan | April 8, 2015

      Hi Joanne, thanks for your inquiry!

      Did you have any specific inquiries about St.George credit cards today?

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated May 25th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
A low annual fee and low interest rate offer on balance transfers. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers. 0% p.a. for 12 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
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases 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. 21.49% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% 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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