Best Credit Cards*

Compare Australian credit cards side by side to find the right card for you

There is no one best credit card*. The right credit card for you will depend on your spending habits, the features you’re looking for and your financial history. The tables on this page provide a cross-section of the offers available on creditcardfinder.com.au to help you with your comparison.

Need to consolidate your debt? Compare balance transfer cards. Want a cheaper card? Look at low-rate and no annual fee cards. Hope to get more rewards? Consider frequent flyer and rewards cards, or see if you qualify for gold, platinum and black cards for even more perks. Require a card for your business expenses? Seeking your first card as a student? Whatever you need, we can help you make an informed choice.

American Express Essential Credit Card

Low Interest Rate and No Annual Fee Credit Card

An all-round credit card that offers a unique to market complimentary Smartphone Screen Insurance, a balance transfer offer, a low ongoing interest rate on purchases combined with a no annual fee.

  • $0 p.a. annual fee
  • 14.99% p.a. on purchases
  • 0% p.a. for 12 months on balance transfers
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.

Compare Current Credit Card Offers

Rates last updated June 29th, 2016.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer period changed from 14 to 18 months and is valid until 31 August 2016.

June 8th, 2016

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 31 August 2016.

June 8th, 2016

St.George Vertigo Visa

Balance transfer has been extended to 29 September 2016 + 1% for 12 months on purchases.

June 24th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Enjoy a long term offer 0% for 15 months on purchases and balance transfers combined with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
HSBC Platinum Credit Card offers an annual fee refund when you spend a minimum of $6,000 per year. You can also enjoy an introductory balance transfer rate of 0% for 15 months.
19.99% p.a. 0% p.a. for 15 months $149 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 12 months on balance transfers and 0% p.a. for the first 3 on purchases when you apply by .
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 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 bonus Velocity Points in your first 3 months and receive a balance transfer offer of 0% for 18 months. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Coles Low Rate MasterCard
Low Interest Rate Card with Balance Transfer Offer*
Offers low annual fee and a promotional rate of 0% p.a. for 6 months on balance transfers..
9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
$250 Cashback Offer
If you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No Annual Fee with Balance Transfer Plus Cashback Offer
A no annual fee card with an introductory balance transfer offer and $100 cashback.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 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.
19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
NAB Low Fee Card
Low Annual Fee Purchase & Balance Transfer Offer
0% p.a. for 15 months on balance transfers and purchases with a low annual fee.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Low Purchase Rate*
Enjoy 1% for 12% months on everyday purchases and 0% for 18% months on balance transfers.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Citi Qantas Signature Credit Card
70 000 Bonus Qantas Points Offer
Earn 70,000 bonus Qantas points when you meet the minimum spend and 0% p.a. for 6 months on balance transfers and purchases with a reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 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.
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
Coles No Annual Fee MasterCard
No Annual Fee for life*
Pay no annual fee for the life of the card and earn 0.5 flybuys point for every $2 spent.
19.99% p.a. 0% p.a. for 6 months $0 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.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $90 p.a. Go to site More info
ANZ Platinum Credit Card
Platinum Card with $200 back offer
Pay no annual fee for the first year and you will also receive $200 back when you spend $500 in the first 3 months.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Platinum Card
0% for 24 months Balance Transfer Offer*
Enjoy a low and long term balance transfer offer and reduced annual fee for the first year.
20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $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* for you?

To select the right credit card, you’ll need to consider how you plan to use the card, your current financial situation and your future goals. 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? 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: save money and pay less interest

  • What are they? Low rate cards offer you the convenience of a credit card while keeping your interest bill as small as possible.
  • Who are these credit cards suited to? People who are frequent credit card users looking to manage their expenses.

How can you find the right low rate credit card?

  1. Compare the interest rate. The lower the better. Compare balance transfer rates, purchase rates and cash advance rates to make sure the deal is right for you.
  2. Fees. Check what other fees apply, including annual fees and joining/membership fees for rewards programs. These can add significantly to the cost of the card.

Compare low rate credit cards

Rates last updated June 29th, 2016.

St.George Vertigo Visa

Balance transfer has been extended to 29 September 2016 + 1% for 12 months on purchases.

June 24th, 2016

St.George Vertigo Platinum

Balance transfer has been extended to 29 Sep 2016 + new offer of 1% for 12 months on purchases.

June 24th, 2016

Bank of Melbourne Vertigo Visa Credit Card

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
9.99% p.a. $0 p.a. Up to 55 days on purchases 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 on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Credit Card
A $250 limited time cashback offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016 and a low ongoing purchase rate.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Up to 55 days on purchases Go to site More info

How to make the most of low-rate cards

Low and no annual fee credit cards: more benefits, lower fees

  • What are they? Low and no annual fee credit cards have a low annual fee, often $0. That gives you credit card convenience without high costs.
  • Who are these credit cards suited to? If you regularly pay off your balance each month, a low-fee card will be your cheapest option.

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

  1. Compare fees and interest rates. The lower the fee, the better. Check whether the low fee applies throughout the life of the card or just for the first year. Also make sure to check the interest rate and make sure that interest costs won’t outweigh the low-fee benefit.
  2. Combine with a balance transfer for more savings. If you have an existing credit card debt a balance transfer credit card can help you repay your debt with 0% interest. Remember you’ll still need to pay off the debt before the 0% interest period expires.

Compare low and no annual fee cards

Rates last updated June 29th, 2016.

St.George Vertigo Platinum

Balance transfer has been extended to 29 Sep 2016 + new offer of 1% for 12 months on purchases.

June 24th, 2016

Bank of Melbourne Vertigo Platinum

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

Bank of Melbourne Vertigo Visa Credit Card

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

View latest updates

Jonathan Choi Jonathan
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
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.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months Go to site More info
Coles No Annual Fee MasterCard
Enjoy no annual fee for the life of the card and earn 0.5 flybuys point per dollar spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
Bankwest Zero Platinum MasterCard
This card comes with a 2.99% p.a. for 9 months on balance transfer offer, $0 foreign transaction fee, plus a $0 annual fee and complimentary travel insurance.
$0 p.a. 17.99% p.a. 2.99% p.a. for 9 months Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info

Choosing low and no annual fee cards

Balance transfer credit cards: Repay your debt with 0% interest

  • What are they? Balance transfer credit cards let you pay off an existing debt from a credit, store or charge card with 0% interest for a set period. You can also consolidate other debts with some balance transfer cards, such as personal loans.
  • Who are these credit cards suited to? If you have an existing credit card debt that’s accumulating interest, a balance transfer deal can help you pay off that debt faster.

How can you find the right balance transfer credit card?

  1. How good is the balance transfer offer? Most current balance transfer offers feature 0% interest during the promotional period, so you’ll want to compare other key features: what the annual fee is, what the interest rate reverts to when the promotional period ends, and if there’s a balance transfer fee charged.
  2. What fees apply?As well as annual fees, check if there’s a one-time balance transfer fee (usually a percentage of the total debt) for the card.

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

Rates last updated June 29th, 2016.

St.George Vertigo Platinum

Balance transfer has been extended to 29 Sep 2016 + new offer of 1% for 12 months on purchases.

June 24th, 2016

Bank of Melbourne Vertigo Platinum

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

Bank of Melbourne Vertigo Visa Credit Card

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

View latest updates

Jonathan Choi Jonathan
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance. Earn bonus Velocity Points in the first 3 months, offer ends 31 August 2016.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Visa
A great value credit card for consumers with a 0% p.a. balance transfer offer for 18 months and a low ongoing purchase rate.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 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
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 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. $149 p.a. Go to site More info

How balance transfer cards work and how best to use them

Frequent flyer credit cards: For the regular traveller

  • What are they? These cards help you earn frequent flyer points from everyday purchases, either directly or by transferring card reward points into your chosen airline loyalty program.
  • Who should consider frequent flyer cards? Anyone who wants to maximise their frequent flyer points total to enjoy free flights and other benefits.

How can you find the right balance transfer credit card?

  1. Which frequent flyer program is involved? Most cards are tied directly to a specific scheme, most commonly Qantas Frequent Flyer or Virgin Velocity.
  2. Compare the earn rate The earn rate is the number of points you earn per dollar spent. Also check whether there’s a cap on how many points you can earn each month or each year.
  3. Other valuable features. What other features do you want from your card? Are there any bonus points on offer, or an annual fee waiver?

Compare frequent flyer credit cards

Rates last updated June 29th, 2016.

ANZ Frequent Flyer Black

Removed annual fee waiver and minimum spend requirement for bonus points offer.

June 15th, 2016

ANZ Frequent Flyer Platinum

Removed annual fee waiver and minimum spend requirements on bonus points offer.

June 15th, 2016

Bankwest Qantas Platinum MasterCard

Interest-free period changed from 55 to 44 days.

June 21st, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) APR for Purchases ( Purchase Rate ) Intro APR Rate for Balance Transfer (p.a.) Annual fee
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $295 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info

How to earn maximise your frequent flyer points with your credit card

Rewards credit cards: For rewards seekers

  • What are they? Rewards cards offer rewards programs based on the amount you spend. Redeem rewards for shopping, travel, gift vouchers and more.
  • Who are these cards suited to? Frequent credit card users who want to maximise points for everyday spending without being tied to a single airline scheme.

Which rewards credit card is right for you?

  1. What kind of rewards do you want to redeem? Rewards programs differ greatly in the kinds of reward they offer, from flights to shopping, vouchers. Make sure the rewards available to redeem are of interest to you.
  2. Compare points caps. Check how many points your card offers per dollar spent. Many rewards credit cards have points caps which only allow you to earn a specified amount of points during a statement period, so check for those too.
  3. Features of the card. Check the other features of the card, such as complimentary insurances or balance transfer offers.

Compare rewards credit cards

Rates last updated June 29th, 2016.

Bankwest More MasterCard

Interest-free days from 55 days to 44 days

June 21st, 2016

Bankwest More Gold MasterCard

Interest-free period changed from 55 days to 44 days.

June 21st, 2016

Bankwest Qantas MasterCard

Interest-free period changed from 55 to 44 days.

June 21st, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) APR for Purchases ( Purchase Rate ) Intro APR Rate for Balance Transfer (p.a.) Annual fee
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 $425 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 $199 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 $195 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

Discover your rewards credit card options

Gold, Platinum and Black credit cards: Spend big and enjoy perks

  • What are they? Gold, Platinum and Black credit cards provide access to premium features such as concierges and free insurance.
  • Who are these cards suited to? These cards are designed for high earners and big spenders.

How can you find the right gold, platinum or black credit card?

  1. How much does the card cost? Because of their premium features, these cards typically have higher annual fees than other credit cards. To maximise your value from one of these cards, make sure you’ll make full use of the features it offers.
  2. What are the rates and limits? The purchase rate may not be as competitive on premium cards. If you want a very high spending limit, however, then these are your main target area.

Compare gold, platinum and black credit card offers

Rates last updated June 29th, 2016.

ANZ Frequent Flyer Platinum

Removed annual fee waiver and minimum spend requirements on bonus points offer.

June 15th, 2016

St.George Vertigo Platinum

Balance transfer has been extended to 29 Sep 2016 + new offer of 1% for 12 months on purchases.

June 24th, 2016

Bank of Melbourne Vertigo Platinum

Purchase offer changed from 0.99% for 4 months to 1% for 12 months, valid until 29 September 2016.

June 24th, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 4 months $149 p.a. $40,000 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 18 months on balance transfers. Plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) $35,000 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.
40,000 bonus points VISA/MC: 1 AMEX: 0 4 months $199 p.a. $40,000 Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 0 months $225 p.a. $35,000 Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Also receive a complimentary Virgin Blue domestic economy return flight every year and complimentary insurances.
10,000 bonus points VISA/MC: 0 AMEX: 1 6 months $195 p.a. $50,000 Go to site More info

How to qualify for a black, gold or platinum card

Business credit cards: For managing your business’ finances

  • What are they? Business credit cards can give your business access to a convenient line of credit to help manage fluctuations in your cashflow. Additional cards and spending caps also mean you can manage your employees’ spending.
  • Who are these cards suited to? Any sized business that wants access to credit to help manage finances.

Finding the *best credit cards for your business

  1. Consider the card features. You can opt for a card that earns your business rewards points, offers complimentary insurances or one that helps you save on your business purchases.
  2. Assess the rate carefully. If cashflow issues mean you won’t always be able to pay off the card immediately, then seek a card with a low purchase rate. If your key requirement is being able to track and centralise business spending, look at other features such as annual fees.

Compare business credit cards

Rates last updated June 29th, 2016.

American Express Gold Business Card

10,000 bonus Membership Rewards points offer has been extended.

February 4th, 2016

Commonwealth Bank Small Business Credit Card - Low Rate

$250 cash back offer if you apply before 30 June 2016 and spend $500 on purchases by 31 July 2016.

April 15th, 2016

American Express Platinum Business Card

The 150,000 Membership Reward Points has been replaced by the 100,000 offer until 1 August 2016.

May 31st, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
ANZ Business Black
Receive 50,000 bonus points when you spend $10,000 within the first 3 months and get access to a range of premium rewards and travel benefits.
50,000 bonus points 1 3 months $450 p.a. Go to site More info
Commonwealth Bank Small Business Credit Card - Low Rate
Get $250 cash back if you apply by 30 June 2016 and spend $500 on eligible purchases before 31 July 2016. A business credit card with $0 annual fee, a low ongoing interest rate with higher credit limits.
$0 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points, earn 1.00 Membership Rewards point for every dollar spent, complimentary insurances and access to over 600 airport lounges.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 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.
VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
American Express Business Card
One of the original charge cards from American Express the offers complimentary insurances including purchase protection and accident cover.
VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info

Explore your business credit card options

Student credit cards: Manage your expenses and buy what you need

  • What are they? Low-cost card options are available for students on lower incomes who need a convenient line of credit.
  • Who are these cards suited to? Students who are looking for a low-cost option, and who may not qualify for other cards They’re a good way to build a credit history and understand the responsibilities of debt.

Which student card is right for you?

  1. Are you eligible? Even with cards labelled as “student credit cards”, there are still minimum income, employment and residency criteria you must fulfil in order to be eligible. Most cards have a minimum income requirement of $15,000 p.a, or will need a guarantor (such as a parent).
  2. Compare key features. Check what interest rate will apply to your purchases and whether or not you will be charged an annual fee. Also consider low foreign transaction fees if you plan to use the card overseas.

Compare student credit cards

Rates last updated June 29th, 2016.

Citi Simplicity Card

11.99% for 24 months if you apply and are approved by until 31 March 2017

April 5th, 2016

Commonwealth Bank Low Rate Credit Card

BT offer extended + cashback updated from $150 to $250 and will be available until 30 June 2016.

April 15th, 2016

Bankwest Breeze MasterCard

Get 5% (up to $300) cash back* offer + 2.99% p.a. for 9 months on balance transfers

May 18th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ First Visa Credit Card - Exclusive Offer
Enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 on purchases when you apply by with a low annual fee.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Commonwealth Bank Low Rate Credit Card
$250 cash back offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016. This card offers a low ongoing rate of 13.49% p.a. on purchases with low annual fee of $59.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Up to 55 days on purchases Go to site More info
ANZ First Student Card
Student credit card with no annual fee for the first year and up to 44 days interest-free on purchases.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 44 days on purchases Go to site More info
Bankwest Breeze MasterCard
Enjoy 5% cash back* (up to $300) on eligible purchases. Terms and conditions apply. Also receive a promotional balance transfer offer and low ongoing purchase rate.
12.99% p.a. 2.99% p.a. for 9 months $59 p.a. Up to 55 days on purchases Go to site More info

How to choose the best student card

No foreign transaction fee credit cards – pay overseas without the extra cost

  • What are they? These credit cards are designed to be used overseas, meaning you won’t have to pay a foreign transaction fee every time you use your card to spend in a foreign currency.
  • Who are these credit cards suited to? If you’re a frequent traveller, have a holiday coming up or regularly use your credit card to shop at international stores online, a no foreign transaction fee card could be a smart way to avoid extra costs.

How can you find the right low or no foreign transaction fee card?

  1. Annual fee. You may be saving on foreign currency conversion fees, but you’ll want to make sure the annual fee doesn’t counteract these savings. Currently, the annual fees for these cards sit between $0 p.a. and $130 p.a.
  2. Travel perks. If you’re looking to use this card overseas, see if you can make further savings with credit card complimentary travel insurance. The insurance covers and eligibility requirements differ across cards, so comparing will help you make sure the cover is right for you. Some other travel perks that could come with a low or no foreign transaction fee card include a rewards program and airport lounge access.
  3. Purchase rate. Unfortunately, there aren’t any cards that currently offer both no foreign transaction fee and 0% interest rate. If you plan to use the card regularly, a card with a lower interest rate will come in handy. If you are only using the card for holiday emergencies, a higher interest rate won’t make as much of a difference.

Compare no foreign transaction fee credit cards

Rates last updated June 29th, 2016.

Bankwest Qantas Platinum MasterCard

Interest-free period changed from 55 to 44 days.

June 21st, 2016

Bankwest More Platinum Mastercard

Interest-free period changed from 55 days to 44 days.

June 21st, 2016

Bankwest Qantas Platinum MasterCard

Interest-free period changed from 55 to 44 days.

June 21st, 2016

View latest updates

Jonathan Choi Jonathan
Foreign Currency Conversion Fee (MC) Foreign Currency Conversion Fee (VISA) Purchase rate (p.a.) Annual fee
Bankwest Zero Platinum MasterCard
An introductory offer on balance transfers with $0 annual fee. Complimentary travel insurance & 24/7 Concierge service and $0 foreign transaction fees.
0% of transaction value 17.99% p.a. $0 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and no foreign transaction fees for online purchases and overseas trips.
0% of transaction value 19.99% p.a. $89 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Earn 8,000 Bonus Qantas Points. Included travel and accident insurance and payment protection. No foreign transaction fees on online or overseas spend.
0% of transaction value 20.49% p.a. $160 p.a. Go to site More info
Bankwest Qantas Gold MasterCard
Earn more points with the Qantas Frequent Flyer rewards program when you make eligible purchases and also get the chance to receive 4,000 bonus Qantas Points when you sign up, plus stay protected with a comprehensive travel insurance.
2.95% of transaction value 20.49% p.a. $150 p.a. Go to site More info
Bankwest More Platinum Mastercard
$0 foreign transaction fees and complimentary insurance cover.
0% of transaction value 19.99% p.a. $130 p.a. Go to site More info

Choosing frequent flyer credit cards with no foreign transaction fees

Cards with Apple Pay – Make payments without using your card

  • What are they? Similar to card contactless payments, Apple Pay allows you to make contactless payments when you tap your NFC-enabled mobile phone on the terminal.
  • Who are these cards suited to? iPhone users who want to cut their time at the checkout and increase the convenience of their credit card payments.

How can you find the right credit card with Apple Pay?

  1. Provider. Currently, only ANZ and American Express credit cards offer Apple Pay enabled credit cards, though the big four banks are predicted to follow suit soon. If your preferred bank hasn’t launched Apple Pay yet, it might be wiser to wait for it to adopt the technology rather than applying card now.
  2. Eligible devices. Obviously, Apple Pay is only available on Apple devices. Right now it’s supported on the iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus and iPhone SE or the iPhone 5, 5c and 5s if you have an Apple Watch. If you’re on an older iPhone device which an older iOS variant, you’ll have to update if you want to access Apple Pay. If you have an Android device, you’ll need to wait for the launch of Android Pay and Samsung Pay later this year or stick with an internal bank mobile payment option.

Compare credit cards with Apple Pay

Rates last updated June 29th, 2016.

ANZ Rewards Platinum

Receive 50000 bonus Rewards Points

June 15th, 2016

ANZ Frequent Flyer Platinum

Removed annual fee waiver and minimum spend requirements on bonus points offer.

June 15th, 2016

ANZ Rewards Black Credit Card

Removed annual fee waiver and minimum spend requirements on bonus points offer.

June 15th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points after you make your first eligible purchase within 3 months of card approval plus earn 1.5 points per $1 spent. Easier payments with Apple Pay.
19.99% p.a. $425 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points and earn up to 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info

Contactless payment options on cards and smartphones

Was this content helpful to you? No  Yes
American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59
More info
ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
More info
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273 Responses to Best Credit Cards*

  1. Default Gravatar
    Ken | May 27, 2016

    Which credit cards can be loaded with AU$ and then permit euros to be withdrawn in Europe? Of these, which is the best for the consumer?

    • Staff
      May | May 31, 2016

      Hi Ken, thanks for you question!

      As finder.com.au is a comparative financial service, we can’t actually recommend one specific card to our users as the best option depends entirely on your own financial status, travel plans and spending habits.

      Just to confirm, though, are you looking to find a prepaid credit card to be used in Europe? This is also known as a ‘prepaid travel card’ or ‘travel money card’ where you can preload foreign currency as well as Australian dollars onto a prepaid travel card to save on fees when making transactions abroad. This card works exactly the same way as a credit card. Only you’re spending your own money and not the banks’.

      On this page, you can compare your prepaid credit card options. You can also find more information about travel money cards here.

      I hope this has helped.

      Cheers,
      May

  2. Default Gravatar
    Boyd | May 26, 2016

    Why is American Express not accepted in some countries?

    Is NAB Debit Card able to be used in all countries?

    • Staff
      May | May 26, 2016

      Hi Boyd, thanks for your questions!

      Actually, AMEX is a generally or widely accepted card, however, there are just some merchants still refuse to accept AMEX cards because of their higher processing/merchant fees. Compared to Visa and MasterCard, AMEX charges higher credit card processing fees.

      As for NAB debit card, yes, this card is also accepted overseas. You can use this card to withdraw cash from ATMs and make purchases over the counter wherever MasterCard is accepted. Fees and charges may apply, though.

      I hope this has answered your question.

      Cheers,
      May

  3. Default Gravatar
    | May 11, 2016

    Hi finder.com.au,

    Does closing my credit card have any negative impact on my credit score? Assuming that there aren’t any late or missed payments and everything is paid back in full.

    Thanks

    • Staff
      Anndy | May 11, 2016

      Hi Aran,

      Thanks for your comment.

      Closing your credit card properly will not negatively affect your credit rating. If you like to learn more what causes a bad credit rating, you can refer to this page.

      Cheers,
      Anndy

  4. Default Gravatar
    Grant | April 1, 2016

    I clicked an advertisement banner saying something about a card (no name provided) with no annual fee, and something like 12 or 20 months interest free on purchases / balance transfers. I don’t see such a card anywhere. Can you please clarify that such a card exists? Otherwise I was directed here under false pretences using misleading information.

    I’m after a card with no / low annual fee and no interest on purchases.

    Thanks.

    • Staff
      Ally | April 1, 2016

      Hi Grant,

      Thanks for reaching out.

      As an online comparison website, we do feature various credit cards with different features and offers such as those having a low/no annual fee, 0% balance transfers and purchases, etc. However, we also always put labels/names on these products and even create review pages for each one to ensure that our users find the necessary information for comparing the available options and help them land with the most suitable card to their needs.

      If a credit card with a low/no annual fee with 0% interest rate on purchases is what you’re after,
      then you might find this 0% Purchase Credit Cards page useful.

      I hope this has helped.

      Cheers,
      Ally

  5. Default Gravatar
    ING | March 19, 2016

    1) Like to know about the ING Credit card everyday savings account, can you give me some information on this card.

    2) Your don’t have above the 28 Degrees credit card, Can I have further information on this credit card.
    Thank you, jona

    • Staff
      Ysa | March 20, 2016

      Hi,

      Thanks for your questions.
      1. Just to confirm, are you referring to the ING DIRECT Orange Everyday Account, and not credit card? If so, you may wish to read through our savings account review page for a full list of fees and other product details of this account.

      2. For further information about the 28 Degrees MasterCard, please refer to this page.

      Cheers,
      Ysa

  6. Default Gravatar
    Troy | February 28, 2016

    Generally what are the criteria needed to get a credit card of up to 20k?

    • Staff
      Arra | February 29, 2016

      Hi Troy,

      Thanks for your inquiry.

      Please refer to this page to go about the factors that would generally determine the credit limit that you will be approved for.

      I hope this has helped.

      Cheers,
      Arra

  7. 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 above mentioned. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated June 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. 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.
19.99% p.a. 0% p.a. for 6 months $199 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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