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 offers 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.

Best Credit Card Comparison

Rates last updated September 1st, 2015.

Citi Rewards Credit Card - Classic Card

Balance transfer offer has been extended to 15 January 2015

September 1st, 2015

ANZ Low Rate

This balance transfer offer has been extended by ANZ for the foreseeable future.

September 1st, 2015

ANZ Frequent Flyer Black

No annual fee for the first year and 74,000 Qantas Points*

September 1st, 2015

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
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
American Express Velocity Platinum Card
100000 Velocity Points Credit Card*
Earn up to 100000 bonus Velocity reward points on signup when you apply by 30 September 2015, are approved and on your new card within the first 3 months.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
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
ANZ Frequent Flyer Platinum American Express/Visa
Platinum Frequent Flyer Credit Card Offer*
Receive 50,000 Qantas Points after you spend $5,000 on purchases within the first 3 months.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
Coles Low Rate Mastercard
Low Interest Rate Credit Card*
Low purchase rate and up to 62 interest free
12.99% p.a. 0% p.a. for 6 months $49 p.a. 19.99% p.a. Go to site More info
American Express Velocity Escape Card
No Annual Fee Velocity Rewards Credit Card*
A $0 annual fee credit card where can earn up to 7500 bonus points, plus Velocity 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
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 and earn 3x Velocity Points in your first 3 months.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) 20.99% p.a. Go to site More info
Citi 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 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
International Frequent Flyer Credit Card*
HSBC Platinum Qantas Credit Card offers a strong earn rate on purchases plus receive a bonus 40,000 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
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
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 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
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
Up to 75,000 Qantas Points*
Up to 75,000 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
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
Qantas Frequent Flyer Credit Card Offer*
Receive 25,000 Qantas Points after you spend $2,500 on purchases within the first 3 months.
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
Citi Qantas Signature Credit Card
Signature Qantas Frequent Flyer Credit Cards*
Receive 50,000 bonus Qantas Points when you apply by 31 December 2015. Plus earn 1.00 Qantas Point per $1 spent on eligible purchases.
20.99% p.a. $299 p.a. 21.74% 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?

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 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 best suited to, and how to find the best one for you, below.

Low rate credit cards – For the savvy frequent shopper

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

How can you find the best low rate credit card?

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

Looking for low rate credit cards?

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Coles Low Rate Mastercard
Enjoy a low annual fee credit card and a low interest rate.
12.99% p.a. 0% p.a. for 6 months $49 p.a. 19.99% p.a. Go to site More info
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

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

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

What low and no annual fee cards are available?

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
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
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

  • 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 best 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 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. Consider the card as a whole. Balance transfer credit cards need to be thought of as whole packages rather than standalone offers. Consider other features as well as the balance transfer offer. How competitive is the purchase rate and does the card have an annual fee? Does the card offer what you want in terms of rewards programs, special privileges and insurances?

What are the long term balance transfer credit cards available?

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer of 0% p.a. for 24 months and a long purchase rate offer plus a host of platinum privileges. Earn up to Citibank Reward points for every $1 spend.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. 21.74% p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
Enjoy a 0% p.a. on balance transfers for 18 months and up to 55 interest-free days on purchases.
20.99% p.a. 0% p.a. for 18 months $89 p.a. 21.74% p.a. Go to site More info

Why not rid yourself of interest repayments?

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Frequent flyer credit cards – For the frequent flyer

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

How can you find the best frequent flyer credit card?

  1. How you can earn points - There are a few factors that will influence how many frequent flyer points you stand to earn. The most obvious one is the earn rate — namely, the rate at which you earn points per dollar you spend. A dual card account (two cards on the one account) can offer you two earn rates and can help you tailor the way you spend.  Another thing to take into account is any points cap that may apply, which may be per statement period or per year. If you plan to spend a lot on your card, this could influence the number of points you can earn. 
  2. Other 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 September 1st, 2015
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 Rewards Black Credit Card
ANZ Rewards Black Credit Card
75,000 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
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

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

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Rewards credit cards – Get rewarded for everyday spending

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

Which rewards credit card is the most rewarding?

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

Rewards credit cards with the bonus points on signup

Rates last updated September 1st, 2015
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Velocity Platinum Card
American Express Velocity Platinum Card
100,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
75,000 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
ANZ Rewards Platinum
ANZ Rewards Platinum
50,000 bonus points 1.5 3 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info

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

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

  • What are they? Gold, Platinum and Black credit cards provide access to premium features.
  • Who are these cards best suited to? This card is best 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 best gold, platinum and black credit cards?

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

Gold, platinum and black credit card offers

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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
American Express Velocity Platinum Card
Enjoy up to 100,000 bonus Velocity Points and up to 3.00 rewards points per dollar spent, 0.99% p.a. balance transfer offer for 6 months and a complimentary return flight every year. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 14 and also earn 3x Velocity Points in the first 3 months.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) 20.99% p.a. Go to site More info
ANZ Rewards Platinum
Pay no annual fee for the first year, receive 50,000 Reward Points, and earn up 3.00 for every dollar spent on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) 20.99% p.a. Go to site More info
NAB Qantas Rewards Premium Card

Earn 1.50 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
ANZ Rewards Black Credit Card
Earn up to 3.00 reward points per dollar spent, plus enjoy up to 55 interest free days on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) 20.99% p.a. Go to site More info

I want all the perks combined on my credit card

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Business credit cards – Tailor your card to your business needs

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

Finding the *best credit cards for your business

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

What business credit card options are available?

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

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

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

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

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

Low annual fee and low rate student credit cards

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ First Student Card Offer
Simple credit card with low annual fee which makes it 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

I’m a student looking for a low maintenance card

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239 Responses to Best Credit Cards

  1. Default Gravatar
    tiziana | August 26, 2015

    Hi

    I would like to find out, if im eligible for a low no annual fee credit card, all i need is $2,000 im on a carers payment with centrelink, my partner is on age pension, our car needs to be fixed urgently, but we dont have the money to get it fixed. Thanks.

    Regards

    Tiziana

    • Staff
      Jonathan | August 27, 2015

      Hi Tiziana, thanks for your inquiry!

      The eligibility of credit applications with Centrelink benefits can vary depending on the lender. Please refer to the following link for loans for people on Centrelink payments. This page will inform you to what loan options are available and which banks accept Centrelink as a valid form of income.

      Cheers,

      Jonathan

  2. Default Gravatar
    roni | August 23, 2015

    hi i have a westpac credit card and i am planning to apply for a transfer balance to St George Bank .. do u think that they gonna allow it ? thanks

    • Staff
      Jonathan | August 24, 2015

      Hi Roni, thanks for your inquiry!

      Balance transfers from Westpac credit cards to St.George Bank credit cards are allowed.

      Cheers,

      Jonathan

  3. Default Gravatar
    vijay | August 22, 2015

    i am student. i need credit card. which will be the best for me

    • Staff
      Jonathan | August 24, 2015

      Hi Vijay, thanks for your inquiry!

      Please note that to apply for a credit card you need to be a permanent resident or a temporary resident. You may like to refer to the following link for student credit card options.

      Cheers,

      Jonathan

  4. Default Gravatar
    sarah | August 21, 2015

    I’m on a single parent pension and family tax a b it works out to $670 a week I live home with my mum. I have a bad credit history due to my kids father. My dad died 3 weeks ago and I had to find the finances to pay for his funeral I’m looking to get all my bills into one and pay just one payment. Plz help me I had no choice

    • Staff
      Sally | August 24, 2015

      Hi Sarah,

      Thank you for your questions.

      As a comparative service, we’re unable to suggest any one particular product, strategy or service to our users as the best one will always depend on your individual needs and financial situation.

      If you need to transfer your balances into one, you may need to consider a balance transfer credit card.

      However, as most banks and providers look at the applicant’s credit history, you may face some difficulty if you have a bad credit history. In this case, you may want to contact the provider before applying for the card to confirm what your chances of approval are.

      In the mean time, you may also like to read over our debt consolidation and credit history repair guides for some tips.

      I hope this has helped.

      Thanks,

      Sally

  5. Default Gravatar
    | August 19, 2015

    hi there,
    just wondering just wondering how hard to get credit card with credit score 669

    • Staff
      Sally | August 20, 2015

      Hi Amanda,

      As finder.com.au is a financial comparison service, not a bank or provider, we’re unable to give you a specific answer.

      The credit score requirements vary from card to card, so you’d be best contacting your preferred provider to discuss your options.

      In the mean time, this page on how to improve your credit score could be of use.

      I hope this has helped.

      Thanks,

      Sally

  6. Default Gravatar
    desly | August 18, 2015

    is there a credit card that we can apply for as my husband works overseas and I do not work

    • Staff
      Jonathan | August 19, 2015

      Hi Desly, thanks for your inquiry!

      Each credit card has application requirements including minimum income and employment status. You may like to consider personal loan options.

      Cheers,

      Jonathan

  7. Default Gravatar
    Gail | August 5, 2015

    Can you please tell me if there is any organisation that offers a visa card without the pay wave/pass option or the option to disable it.
    Thank you

    • Staff
      Sally | August 7, 2015

      Hi Gail,

      Thanks for your question.

      Both the PayPass and payWave are now standard features of credit cards as they all now come with chip and contactless technology. If you’re concerned about security with your card, you may be interested in getting a wallet which blocks the signal from your card to the card reader. You can find and order these wallets online.

      I hope this helps.

      Thanks,

      Sally

    • Default Gravatar
      | August 7, 2015

      Hi Sally,
      Thank you for your reply.
      I feared as much. Security is a concern but that is not the main reason for not wanting paywave. I will now have to reconsider if there is actually a real need to continue to have a credit card.
      Thank you once again for your help.
      Regards Gail

  8. Default Gravatar
    Barry | July 25, 2015

    Which Aus credit cards don’t charge for foreign use?

    • Staff
      Jonathan | July 27, 2015

      Hi Barry, thanks for your inquiry!

      Please see this page for a list of cards with no foreign currency exchange fees.

      Cheers,

      Jonathan

  9. Default Gravatar
    Ryan | July 22, 2015

    If I want to transfer a balance of an existing credit card, is that balance amount added to my requested credit limit or is it separate?

    • Staff
      Jonathan | July 22, 2015

      Hi Ryan, thanks for your inquiry!

      Any balance transfer amounts will be taken out of your available credit limit. Please see this page for how much banks allow you to balance transfer.

      Cheers,

      Jonathan

  10. Default Gravatar
    kathleen | July 17, 2015

    I have a credit card with Gem if I decide to change to another card can I do so?

    • Staff
      Jonathan | July 17, 2015

      Hi Kathleen,

      Thanks for your question.

      It is entirely possible to switch to a new credit card. You may like to check out this guide and this post for more information.

      I hope this has been helpful.

      Thanks,

      Jonathan

Credit Cards Comparison

Rates last updated September 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
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
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
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 Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer of 0% p.a. for 24 months and a long purchase rate offer plus a host of platinum privileges. Earn up to Citibank Reward points for every $1 spend.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. 21.74% 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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