Best Credit Cards

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

Let us do the work for you. Listed below are the best credit cards on offer based on consumers lifestyle and financial situation in a comparison table.

Featured Balance Transfer & Purchase Credit Card

The Suncorp Clear Options Standard combines the benefits of both a low balance transfer offer for the first 12 months plus a low rate ongoing rate on purchases. This makes it the perfect credit card to get in control of your finances with and save

• $39 annual fee
• 12.24% p.a. on purchases
• 1.9% p.a. for 12 months on balance transfers
• Cash Advance Rate of 17.99%
• Access to exclusive Visa Entertainment offers

Click here to read the Suncorp Clear Options Standard Visa Card terms and conditions

Best Credit Card Offers Comparison Table*

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
ANZ Low Rate MasterCard	Best Balance Transfer Credit Card* After the balance transfer offer expires, enjoy an ongoing low interest rate. An excellent no frills balance transfer credit card offer with a low annual fee.	13.24%	21.49%	0% for 6 months	$58	55
Westpac Low Rate Card	Best No Frills Credit Card* If you are after a simple no frills credit card to use for everyday purchases then the Westpac Low Rate Card is the perfect choice. It features a low ongoing purchase rate, a low interest balance transfer offer and a low annual fee.	13.24%	21.24%	1.99% for 9 months	$45	55
Suncorp Clear Options Platinum	Best Balance Transfer for Life Credit Card* The Suncorp Platinum is a unique credit card offering a very low interest rate on balance transfers for life. Includes complimentary international travel insurance	19.99%	19.99%	3.9% for life	$205	55
Citibank Clear Platinum Visa Card	Best Value For Money Credit Card* The Citibank Clear Platinum offers a very low interest rate on purchases and modest annual fee. Includes 25% off discounts with 'Citibank World Privileges'. Good credit history required for application approval.	11.49%	21.24%	0% for 7 months	$99	55
Suncorp Clear Options Standard Visa Card	Best Low Interest Credit Card* Enjoy a low ongoing 12.24% p.a on purchases, 1.9% p.a for 12 months on balance transfers and a $39 annual fee.	12.24%	17.99%	1.9% for 12 months	$39	0
HSBC Credit Card	Best No Annual Fee Credit Card* $0 annual fee for the life of the credit card and an amazing interest-free balance transfer offer for the first 6 months.	16.99%	20.75%	0% for 6 months	$0	55
American Express Platinum MoneyBack Card	Best Cashback Credit Card* The card with unlimited cashback on purchases with no caps. Earn 5% cashback on purchases for the first 3 months. You also receive an ongoing 1% cashback on purchases after the first 3 months.	20.49%			$99	44
American Express Gold Ascent Card	Best Rewards Program Credit Card* With complimentary enrolment in Membership Rewards Ascent program you get instant access to premium rewards such as freedom to fly 7 leading airlines, travel packages, gift cards, hotels and car hire all for a $0 annual fee. Pay for petrol with your Woolworths Credit Card and enjoy the convenience of epump	20.49%	20%		$0	44
Woolworths Everyday Money	Best Shopping Rewards Credit Card* Make your everyday grocery shopping count by earning rewards for every dollar you spend. Redeem these points for shopping rewards and benefits Pay for petrol with your Woolworths Credit Card and enjoy the convenience of epump	19.49%	20.99%	0% for 6 months	$0 for the first year ($49 per year after that)	55
ANZ Frequent Flyer - Balance Transfer Option	Best Qantas Frequent Flyer Credit Card - Option 1* Earn 1 Frequent Flyer point per $1 spend on your AMEX Card & 1 point for every $2 spend on your Visa.	19.49%	20.74%	2.9% for 12 months	$95	44
ANZ Frequent Flyer - 16,000 Bonus Points Option	Best Qantas Frequent Flyer Credit Card - Option 2* Earn a bonus 16,000 Qantas Frequent Flyer points when you apply before 31st October 2010	19.49%	20.74%		$95	44
American Express Gold Ascent Card	Best Rewards Program Credit Card - High Spender* The American Express Gold Ascent Credit Card is a spectacular rewards credit card. Fly to hundreds of destinations with 7 airline rewards partners With complimentary enrolment in Membership Reward Ascent program you can start earning points towards merchandise, Gift Cards and travel options straight away No points capping or expiry	20.49%	20%		$0	44
ANZ Balance Visa	Best Unique Rewards Credit Card* 1 reward point for every $1 paid off your balance. High reward point costs, but easy to accumulate points and a low rate on purchases.	14.24%	21.49%	0% for 6 months	$79	55
Citibank BP Card	Best Petrol Rewards Credit Card* Save up to $660 a year on petrol.	20.89%	20.89%	1.9% for 12 months	$79	55
ANZ Gold Visa Card	Best International Travel Credit Card* Comprehensive Overseas Travel and Medical Insurance including coverage for medical expenses, cancellations and loss/damage of luggage.	18.99%	20.74%	7.99% for 6 months	$87	55
Citibank CitiBusiness Gold	Best Business Credit Card* Comprehensive range of business benefits and services for business owners.	20.49%	20.99%	2.9% for 9 months	$74 for the first year (normally $149)	55

What makes these credit cards the best?*

Our rating of ‘Best’ is subjective. For instance, we may not say the card in Australia with the lowest interest rate is the ‘Best Low Interest Card’ as it has a higher annual fee and other features to cancel out it’s lower rate.

Hypothetical scenario:

• Card A has an interest rate of 11.99% p.a and an annual fee of $55.
• Card B has an interest rate of 11.69% p.a, but an annual fee of $95.

Hence, while Card A is the lower interest rate of the two, it is not the Best credit card in the 'low interest' category as you can expect to pay more from the $40 annual fee than the 0.30% interest rate difference.

Best Credit Card - St.George Vertigo MasterCard*

A standard interest rate of 12.49% on purchases at a competitive $55 annual fee. Benefit from a low interest 2.99% p.a. for 6 months balance transfer offer.

Best 0% p.a. Balance Transfer Card - ANZ Low Rate MasterCard*

In the current economic climate, banks are becoming more hesitant to offer 0% p.a. for 6 months on balance transfers.

ANZ remain one of the remaning banks to offer an attractive 0% p.a. for 6 months balance transfer rate, which reverts to a low standard rate of 13.24% on purchases.

Transfer your credit cards, personal loan and car loan balances into one single balance you can repay off at 0% p.a. for 6 months.

Best Value for Money Card - Citibank Clear Platinum Card*

Everybody enjoys the luxury benefits and prestige associated with a platinum credit card, but not necessarily everybody is willing to pay $99 a year for it.

Citibank's Clear Platinum card has the best of both worlds - a low interest rate credit card crossed with a platinum travel credit card.

You must earn a minimum of $50,000 per annum for application approval.

Best Long Term Balance Transfer Card - Suncorp Clear Options Platinum*

With a 3.9% p.a. for life on balance transfers, along with a highly appealing reward program with the ability to earn Qantas Frequent flyer points, Suncorp Platinum is one of the top competitive long term balance transfer credit cards available in Australia.

Take note that for long term balance transfer approval, you will need good credit and a large balance to transfer over.

Best Low Interest Credit Card - Suncorp Clear Options Standard Visa*

There has never been an easier choice with the Suncorp Clear Options Standard Credit Card which gives you a low ongoing interest rate of 12.24% a low 1.9% p.a. for 12 months on balance transfers, a low annual fee and generous credit limits up to $20,000.

Suncorp has always treated their customers as a top priority and have continued to offer a great selection of products to keep their customers happy. No wonder why the Suncorp Clear Options Standard has a 5 Star Outstanding Value Canstar Cannex rating

Best No Annual Fee Card - HSBC Credit Card*

The HSBC Credit Card was the winner of Money Magazine's 'Best Transactor Credit Card' 2010.

This award winning card is the ultimate credit card for those who want a credit card that is straightforward and cheap.

It features $0 annual fees and an amazingly low $0 on balance transfers.

Best Frequent Flyer Credit Card - ANZ Frequent Flyer American Express/Visa*

ANZ Frequent Flyer Credit Card will help you accelerate your Qantas Frequent Flyer points earning and help you get to your desired destination.

Earn 1 Frequent Flyer point per $1 spend on your AMEX Card & 1 point for every $2 spend on your Visa. Uncapped frequent flyer points earning.

Best Rewards Program Credit Card - Woolworths Everyday Money*

The Woolworths Everyday Money credit card offers you the opportunity to earn rewards points on your everyday purchases. Rewards earning is not limit to purchases at Woolworths group stores.

Awarded the valuable and reputable 5 star award by Cannex for Most Innovative Product.

Best Rewards Program Credit Card - High Spend - American Express Gold Ascent Credit Card*

The Gold Ascent credit card is a real head turner. It is recommended for high spenders ($24,000 or more spent on credit card purchases for year) as the Membership Rewards program from American Express has no point capping or point limits.

Earn a huge range of rewards from electronics, retail, flight and entertainment among a host of prestige Amex card holder benefits.

Best Unique Reward’s Program - ANZ Balance Visa*

It doesn’t get much more simpler than earning rewards for every dollar you repay off your balance.

No points expiry and capping means no fine print will limit the benefits of your rewards program, like many other cards.

A wide variety of redeemable offers available also. And a competitive low interest rate among all reward program cards.

Best Shopping Reward’s Program - Woolworths Everyday Money Card*

HSBC coupled with Woolworths have created a new offer on the market, with some standout features such as no annual fee for the first year.

Earn Woolworths and other grocery/shopping rewards and reduce the costs of goods, leisure and ultimately food on the table.

Best Cashback Card - Woolworths Everyday Money Card*

The Woolworths Everyday Money Credit Card is a fresh new credit card for Australians offering a competitive rewards program

Be rewarded with valuable rewards points loaded on your Everyday Money Shopping Card which can be redeemed for discounts at a wide range of Woolworths group stores.

Here's how easy it is to earn points:

• 3 points for every dollar spent on Woolworths Select products purchased at Woolworths or Safeway Supermarkets.
• 2 points for every dollar spent on other products purchased at Woolworths or Safeway Supermarkets, BIG W, CALTEX WOOLWORTHS/SAFEWAY co-branded fuel
  outlets, epump, Woolworths/Safeway Liquor, BWS, Dan Murphy's, Thomas Dux, and participating Dick Smith and Tandy stores.
• 1 point for every dollar spent on other purchases.

Best Petrol Card - Citibank BP MasterCard*

5% off petrol and purchases from BP, along with 0.5% off everywhere else (to an extent) creates the best petrol rewards card in Australia, with more than just fuel discounts.

Best International Travel Provider/Card - ANZ Gold Visa Card*

Prior the the February 27th takeover of Wizard by Aussie, the Wizard Advantage card was the leader in cheap international charges - 0%.

While current cardholders accounts are still active, unfortunately it is not no longer available for new applicants.

ANZ offers a flat 2.50% on foreign currency exchange and 1.50% on cash advances.

While costly on the surface, in relation to competing banks it's much lower.

Best Student and Easy Approval Card - ANZ First Visa Card*

General student credit cards often have high interest rates and other disadvantages.

It is recommended you apply for a cheaper credit card first, and if your financial situation as student is not sufficient for approval, then an easier-approval student credit card is the next alternative.

Note that as a student you’ll need to be earning approximately $15,000+ before tax a year to be considered for approval.

Best Business Card - Citibank CitiBusiness Gold*

The Citibank CitiBusiness Gold Credit Card is the ideal business partner for business owners looking to have ample funds (provided they also have the income) at hand for recurring expenses.

Currently you can save 50% off the annual fee in the first year and earn 1.25 points for every $1 you spend on your credit card. A low balance transfer offer for the first 9 months will also help with your business cash flow.

* 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. 'Best and 'Top' are ratings which are subject to our consideration and is not rated against all Australian credit cards. Credit card categories have been created simply as a guideline and suggestion, we are not financial advisors. We recommend you take this information into account when comparing credit cards. Find out more about factors and influences are taken into account when rating credit cards here.

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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0