Best Credit Cards*

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

There is no one best credit card*. Instead, the right credit card for you will depend on your spending habits, financial history and the features that you’re looking for in a credit card. This table provides a cross-section of the offers on our website to help you with your comparison. If you’re looking to consolidate your debts, you can compare balance transfers or if you want to save on credit card costs, start comparing low rate and no annual fee cards. If you want to get extra perks from your credit card, you could consider a rewards credit card.

Using the table and guide below, compare the credit card deals currently on the Australian market and consider what you want and need out of your next credit card to find the right one for you.

American Express Essential Credit Card

Low Interest Rate Credit Card

A low ongoing interest rate on purchases and 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 Credit Card Offers

Rates last updated May 3rd, 2016.

HSBC Platinum Qantas Credit Card

Bonus points offer of 40,000 has been extended until 30 June 2016.

May 1st, 2016

HSBC Platinum Credit Card

$0 annual fee + 0% for 15 months on balance transfers offer extended until 30 June 2016

May 1st, 2016

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 5 June 2016.

May 2nd, 2016

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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
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
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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 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.
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 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
St.George Vertigo Platinum
Platinum Credit Card Offer
0% for 20 months on balance transfers with complimentary insurances and domestic flight inconvenience insurance.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Coles No Annual Fee MasterCard
No Annual Fee for life and $100 Coles Supermarket Offer*
Pay no annual fee for the life of the card and earn 0.5 flybuys points per dollar spent. New and approved applicants can receive $100 off on their next Coles Supermarket shop.
19.99% p.a. 0% p.a. for 6 months $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. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
20.74% p.a. 0% p.a. for 14 months with 2% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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
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
Commonwealth Bank Low Rate Credit Card
$250 Cashback Offer
If you apply by 30 June 2016 and reach the $500 minimum spend 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
ANZ Frequent Flyer Platinum
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.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Low Purchase Rate*
Enjoy 0.99% for 4% months on everyday purchases and 0% for 18% months on balance transfers.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Rewards Program Credit Card*
Receive 5,000 Membership Rewards Bonus Points, earn 3 Membership Reward points per $1 spent, get a complimentary domestic return flight each year and free travel insurance.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) 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
Bank of Melbourne Vertigo Platinum
Long Term Low Rate Platinum Credit Card
Platinum credit card with on purchases for 4 months and 0% p.a. for 20 on balance transfers, complimentary insurances and 24/7 concierge.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 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
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
Citi Simplicity Card
Low Intro Purchase Interest Rate with No Annual Fee
Enjoy a simple credit card that offers 11.99% p.a. for up to 24 months on purchases with no annual fee and no late fees to pay.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $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.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 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 personal financial circumstances when comparing products.

What is the best credit card*?

The type of credit card that is 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 – save money and pay less interest

  • 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 who are frequent credit card users looking to manage their expenses, may have trouble repaying their balance and are looking for 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. Low interest rate credit cards offer 0% interest promotions and include balance transfer ratespurchase rates and cash advance rates.
  2. Fees. 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.
  3. Additional benefits. 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.

Compare Low Rate Credit Cards

Rates last updated May 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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
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
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer of 0% p.a. for 18 months.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual combined with 0% p.a. balance transfer offer for 18 months and 0.99% p.a. for 4 months on purchases.
0.99% p.a. for 4 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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 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

I want to cut down credit card costs with interest free spending

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Low and no annual fee credit cards – get more benefits whilst paying less fees

  • 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 without the massive costs.
  • 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. If this outweighs the savings you’ll make from the annual fee, consider a different card.
  2. Combine a balance transfer with a no annual fee 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. 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 earn rewards points 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 a generous amount of 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 May 3rd, 2016
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
Receive $100 off a single Coles Supermarket shop plus 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 points 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

I want to save on ongoing annual fees 

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

  • 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. Fees. The main credit card fees include the annual fee, balance transfer fee (usually 1.5% of the total balance transfer amount), additional cardholder fee.
  3. Additional benefits. Repaying a debt doesn’t need to exclude you from enjoying credit card perks. Balance transfer credit cards also offer benefits including 0% purchasesrewards points and frequent flyer points.

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

Rates last updated May 3rd, 2016
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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
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 0.99% p.a. for 4 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
Low offer of 0% p.a. for 15 months with a one off 2% balance transfer fee on purchases and balance transfers.
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
Emirates Citi World MasterCard
Enjoy up to 10% off Emirates flights on your first spend when you book before 31 December 2016. Also pay a reduced annual fee for the first year.
0% p.a. for 9 months 20.99% p.a. $149 p.a. annual fee for the first year ($299 p.a. thereafter) 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

I want to consolidate my debts without paying high interest?

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Frequent flyer credit cards – For the aspiring 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 want to maximise earning frequent flyer points with a credit card.

Making the choice and finding 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 whether a 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. Frequent flyer program. The most suitable frequent flyer program for you will depend on which destinations you would like to visit, rewards you can redeem with the program and other benefits available.
  3. 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 May 3rd, 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 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
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
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) 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 0.66 0 20.74% p.a. 0% p.a. for 14 months with 2% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
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

I want to earn frequent flyer points on my everyday expenses

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Rewards credit cards – For rewards seekers

  • 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? Rewards and frequent credit card users who spend frequently and want to maximise points earn rewards for everyday spending.

Which rewards credit card is right for you?

  1.  What kind of rewards do you want to redeem? 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. Reward points per $1 spent. Check how many points your card offers per $1 spent. Rewards credit cards can have points caps which only allow you to earn a specified amount of points during a statement period. If you reach the points cap you will receive a lower rewards earning rate for the remainder of the period.
  3. 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 (there are reward card options that offer no annual fees), 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 May 3rd, 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 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
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
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
5,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 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 0.66 0 20.74% p.a. 0% p.a. for 14 months with 2% balance transfer fee $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 – Spend big and enjoy perks

  • 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 consider — 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 May 3rd, 2016
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
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.
75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 6 months $0 p.a. annual fee for the first year ($425 p.a. thereafter) $75,000 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
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points. Also receive a complimentary Virgin Blue domestic economy return flight every year and complimentary insurances.
5,000 bonus points VISA/MC: 0 AMEX: 1 6 months $0 p.a. annual fee for the first year ($195 p.a. thereafter) $50,000 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in the first 3 months plus enjoy a low 0% p.a. for 14 months with 2% balance transfer fee on balance transfers. Plus receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
10,000 bonus points 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

I want all the perks combined on my credit card

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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 means you can manage your employees’ spending with ease.
  • Who are these cards suited to? All sized businesses, 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, offers 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 May 3rd, 2016
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
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
American Express Gold Business Card
Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
10,000 bonus points VISA/MC: 0 AMEX: 1 2 months $169 p.a. $24,000 Go to site More info

I want to manage my business’ finances with a credit card

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Student credit cards – Manage your expenses and buy the things 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? 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 cards can be labelled ‘student credit cards’ there are still minimum income, employment and residency criteria you have to fulfil 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 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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
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
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 for the first 3 months. Monthly cap, minimum spend, and terms and conditions apply. Offered for a limited time.
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
ANZ First Visa Credit Card
This simple a low annual fee credit card is designed as a first credit card with a low fee and low minimum credit limits. Protected by ANZ Falcon's 24/7 suspicious transaction security.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info

I’m a student looking for a low maintenance card

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267 Responses to Best Credit Cards*

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated May 3rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
0.99% p.a. for 4 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.
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
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.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 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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