Best Credit Cards

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

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

St.George Vertigo Visa

Low Interest Rate Credit Card*

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

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

Best Credit Card Comparison

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
Low Rate Credit Card & Long Term Balance Transfer Offer*
Enjoy a balance transfer offer for 18 months. Plus a low annual fee from St George.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
No Annual Fee Credit Card with Balance Transfer Offer*
No annual fee charged with this credit card, plus a low long term balance transfer offer. Take advantage of the 0% p.a. for 14 months balance transfer offer
18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
Low Interest Rate & Low Annual Fee Credit Card*
Westpac Low Rate credit card offers a low purchase and long term balance transfer rate, with a low annual fee.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
Exclusive to finder.com.au: Platinum Credit Card with Travel Insurance*
No annual fee for the first year with a low interest rate on purchases and balance transfers. Overseas travel insurance for return trips up to 6 months.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
Long Term Balance Transfer Credit Card with No Annual Fee
Enjoy a simple credit card that offers a long period on balance transfers with no annual fee and no late fees to pay.
19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Exclusive to finder.com.au: No Annual Fee with Rewards and Bonus flybuys points*
No annual fee card from Coles with flybuy points earning. Apply to receive 10,000 bonus flybuys points.
19.99% p.a. 0% p.a. for 6 months $0 p.a. 19.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
No Annual Fee Qantas Rewards Credit Card*
A $0 annual fee credit card where can earn up to 7500 bonus points, plus Qantas Points for every dollar you spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
Low Rate Platinum Credit Card
Low ongoing interest rate with complimentary insurances, including domestic flight inconvenience insurance.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Platinum Credit Card with a Balance Transfer Offer*
HSBC Platinum Credit Card offers a $0 p.a. annual fee for the life of the credit card and an introductory balance transfer rate.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Rewards Credit Card with a Balance Transfer Offer*
A low balance transfer offer. Plus discounted domestic flights offer with Virgin Australia up to 4 times a year (conditions apply).
20.74% p.a. 0% p.a. for 16 months $129 p.a. 20.99% p.a. Go to site More info
ANZ Low Rate
ANZ Low Rate
Low Interest Rate Card with Low Balance Transfer Offer*
Enjoy a low interest rate on balance transfers and purchases with a low annual fee.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
24 Month Balance Transfer Offer*
Enjoy a low and long term balance transfer offer with a rewards program offer.
20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
American Express Rewards Program Credit Card*
Receive 10,000 Membership Rewards Bonus Points when you spend $500 on your Card in the first 2 months of your Card membership, Plus earn 3.00 Membership Reward points per $1 spent at major supermarkets including Coles and Woolworths.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
Velocity Rewards Program with No Annual Fee*
Earn 7,500 bonus Velocity points if you spend $300 in the first 3 months. Plus $0 annual fee.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Bankwest More Classic MasterCard
Bankwest More Classic MasterCard
Bonus Rewards Credit Card with Long Term Balance Transfer Offer*
Earn 28,000 bonus More Rewards points. Plus earn 1.500 points for every dollar you spend.
19.99% p.a. 0% p.a. for 18 months $70 p.a. 21.99% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low Interest Credit Card Offer *
Enjoy a low interest rate offer on purchases and balance transfers.
0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No Annual Fee for the Life of the Credit Card with Balance Transfer*
No annual fee for the life of the credit card, plus a low balance transfer offer.
17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
Low Balance Transfer & $0 Annual Fee Credit Card*
A low interest rate offer on balance transfers with a $87 annual fee for the first year.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
American Express Low Rate Credit Card
American Express Low Rate Credit Card
Low Interest Card with Refund and Purchase Protection *
A low rate credit card with complimentary refund & purchase protection & a low interest rate on purchases.
11.99% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Up to 50,000 bonus Qantas Points*
Up to 50,000 bonus Qantas Points. Uncapped rewards earning potential and complimentary Qantas Club Lounge invitations.
19.99% p.a. $425 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
ANZ Low Rate Platinum Credit Card
Platinum Card with Ongoing Low Interest Rate
Low ongoing interest rate with purchase protection and travel insurance.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
Qantas Frequent Flyer Credit Card Offer*
Receive 50,000 bonus Qantas Points after your first eligible purchase when you apply by 31 March 2015.
19.99% p.a. $95 p.a. 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Classic Card
Long Term Balance Transfer Offer*
Enjoy a long term balance transfer rate to help consolidate and pay down debt. Also benefit from the complimentary insurances that come with this rewards credit card.
20.99% p.a. 0% p.a. for 18 months $89 p.a. 21.74% p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
International Frequent Flyer Credit Card*
HSBC Platinum Qantas Credit Card offers a strong earn rate on purchases plus receive a bonus 20,000 Qantas Point when you apply, are approved and make an eligible purchases within 3 months of applying.
19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Go to site More info

* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’ and ‘Top’ are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing products.

What is the *best credit card?

That answer is easy: there is no one *best credit card. Think about it — what’s best for you isn’t going to be best for somebody else. The type of credit card that is best going to meet your needs is going to depend on how you’re going to use it, what you want the card for, what your financial situation is and also, the cards that you’re eligible for. A student looking at their first credit card isn’t going to be applying for the same credit card as a high-income earner. But how do you know which card is best for you?

There’s a range of credit cards available in the market: everything from low fee cards to give you convenient access to credit, right through to premium credit cards that give you incredible spending power and impressive rewards. Find out about all types of cards available to you below, who they’re best suited to, and how to find the best one for you, below.

Low rate credit cards – For the savvy frequent shopper

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

How you can find the best low rate credit card

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

What are the lowest rate credit cards?

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
American Express Low Rate Credit Card
American Express Low Rate Credit Card
A low rate credit card and a low annual fee. Enjoy up to 55 days interest free. 11.99% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Low Rate
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate. 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

Want up to 12 months of interest-free spending?

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

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

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

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

What low and no annual fee cards are available?

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for life, plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
Bankwest Zero MasterCard
Bankwest Zero MasterCard
No annual fee. No joining fee credit card. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info

Low and no annual fee cards that earn you rewards points

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Balance transfer credit cards – Because it’s time for interest relief

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

What to know to find the best balance transfer credit card

  1. How good is the balance transfer offer? There are a few ways to check how competitive an offer is. The interest rate you’ll be charged on a balance transfer card is usually 0% p.a., but it can also be offered at a low rate. The length of the balance transfer period also differs, generally with terms of between six and 24 months available. Other points of difference include the rate that will be applied to any outstanding balance when the promotional period is over, and whether or not a balance transfer fee will be applied.
  2. How good is the credit card? Balance transfer credit cards need to be thought of as whole packages rather than standalone offers. Consider not only the balance transfer offer but also the other features of the card. How competitive is the purchase rate and does the card have an annual fee? Does the card offer you what you want in terms of rewards programs, special privileges and insurances?

What are the longest balance transfer credit cards available?

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Platinum
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Citibank Rewards Credit Card - Classic Card
Citibank Rewards Credit Card - Classic Card

The Citibank Rewards Classic Card gives you automatic benefits and a security guarantee.

20.99% p.a. 0% p.a. for 18 months $89 p.a. 21.74% p.a. Go to site More info
Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer and a long purchase rate offer plus a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months $199 p.a. 21.74% p.a. Go to site More info

Why not rid yourself of interest repayments?

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Frequent flyer credit cards – For the frequent flyer

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

How can you get the best frequent flyer credit card?

  1. Features of frequent flyer cards to consider - There are a few factors that will influence how many frequent flyer points you stand to earn. The most obvious one is the earn rate — namely, the rate at which you earn points per dollar you spend. A dual card account (two cards on the one account) can offer you two earn rates and can help you tailor the way you spend.  Another thing to take into account is any points cap that may apply, which may be per statement period or per year. If you plan to spend a lot on your card this could influence the amount of points you could earn. 
  2. Other features that can make one of these cards ‘the best’ - What other features do you want from your card? Are there any bonus points on offer? Does your card come with a purchase rate offer or even a promotional balance transfer rate? There could also be an annual fee waiver for the first year that could help you save while you earn points.

What frequent flyer credit cards have the highest earn rates?

Rates last updated March 4th, 2015

Bonus Points Visa / MasterCard points per $ spent Amex points per $ spent Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
50,000 bonus points 2 3 18.79% p.a. $375 p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
30,000 bonus points 1 2 0% p.a. for 6 months (reverts to 20.24% p.a.) 3.99% p.a. for 6 months $150 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
50,000 bonus points 0.75 1.5 19.99% p.a. $425 p.a. Go to site More info

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

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Rewards credit cards – Get more of your moneys’ worth

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

Which rewards credit card is the most rewarding?

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

Rewards credit cards with the most bonus points on signup

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
You could earn 50,000 bonus rewards points after first eligible purchase. 18.79% p.a. $375 p.a. 20.99% p.a. Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Get 50,000 bonus rewards points after your first eligible purchase. Earn Rewards Points for every $1 spent on purchases. 18.79% p.a. $149 p.a. 20.99% p.a. Go to site More info
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Get 50,000 bonus Rewards points after your first eligible purchase. Earn rewards points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $89 p.a. 20.99% p.a. Go to site More info

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

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

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

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

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

Popular gold, platinum and black credit card offers

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Altitude Business Gold Credit Card
Westpac Altitude Business Gold Credit Card
Earn reward point for every $1 spent on eligible purchases with no annual fee for the first year. Complimentary purchase related insurance. 0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) 21.24% p.a. Go to site More info
ANZ Rewards Platinum
ANZ Rewards Platinum
Get 50,000 bonus rewards points after your first eligible purchase. Earn Rewards Points for every $1 spent on purchases. 18.79% p.a. $149 p.a. 20.99% p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
Earn 1.500 points per $1 spent on eligible purchases. Plus enjoy a low balance transfer and purchase offer. Receive 20,000 bonus Qantas Points. Apply by 19 April 2015. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $250 p.a. 21.74% p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
0% p.a. on balance transfers and purchases for 12 months and 20,000 bonus Velocity Points when you make an everyday purchase. You gain both Visa and American Express cards which are linked to one single account and annual fee. 0% p.a. for 12 months (reverts to 19.99% p.a.) 0% p.a. for 12 months $150 p.a. 21.74% p.a. Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
You could earn 50,000 bonus rewards points after first eligible purchase. 18.79% p.a. $375 p.a. 20.99% p.a. Go to site More info
Westpac Altitude Black
Westpac Altitude Black
Offers 60,000 bonus Altitude or Qantas Points. Access a dedicated concierge & iPhone app, your own personal shopper and a range of complimentary travel and purchase insurances. Offers two reward programs which you can choose between Altitude or Qantas Rewards. 0% p.a. for 6 months (reverts to 20.24% p.a.) 3.99% p.a. for 6 months $395 p.a. 21.24% p.a. Go to site More info
Citibank Prestige Card
Citibank Prestige Card
Enjoy a balance transfer offer with 0% p.a. for 6 months and up to 70,000 bonus points. 20.74% p.a. 0% p.a. for 6 months $700 p.a. 21.24% p.a. Go to site More info

I want all the perks combined on my credit card

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Business credit cards – Tailor your card to your business needs

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

Finding the best credit cards* for your business

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

What business credit card options are available?

Rates last updated March 4th, 2015

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

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

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

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

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

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

Low annual fee and low rate student credit cards

Rates last updated March 4th, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George No Annual Fee
St.George No Annual Fee
A card with no annual fees for life. Combined with a low credit minimum credit limit. 0% p.a. for 6 months (reverts to 20.49% p.a.) $0 p.a. 20.49% p.a. Go to site More info
Westpac Student Visa Card
Westpac Student Visa Card
A low credit limit credit card, combined with a low annual fee, suitable for full time tertiary student. 20.45% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 20.45% p.a. More info
Commonwealth Bank Low Fee Student credit card
Commonwealth Bank Low Fee Student credit card
Earn $100 cash back with a new CommBank credit card plus get a balance transfer offer with no annual fee for students. 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. 21.24% p.a. More info

I’m a student looking for a low maintenance card

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164 Responses to Best Credit Cards

  1. Default Gravatar
    Emma | February 27, 2015

    How much do you have to earn to get a credit card

    • Staff
      Jonathan | February 27, 2015

      Hi Emma, thanks for your inquiry!

      The minimum income requirements for each credit card vary. You can find the minimum income details for each credit card in the ‘Fees & Repayments’ tab.

      Cheers,

      Jonathan

  2. Default Gravatar
    Ann | February 21, 2015

    Which credit card provides an 82-yr old with complimentary/cheap travel insurance?

    • Staff
      Jonathan | February 23, 2015

      Hi Ann, thanks for your inquiry!

      For travel insurance options for people over 80 years old please see this page and enter the travel details (travel destination, date and age). Credit card lenders who support travel insurance for individual’s over 80 years will be included in the products comparison.

      Cheers,

      Jonathan

  3. Default Gravatar
    Denis | February 17, 2015

    Good afternoon, my question, if approved for a Credit Card what is the time in days from approval to paying the Balance Transfer amount. The reason why I ask is that three years ago I was approved for an NAB card which amount I used as a balance Transfer, the process took 3 days to show up in my ANZ Card so that I could close. But on asking this question to another Card Financier last week I was informed that the balance Transfer payment can take up to 30 days, which in my view is SILLY. What is your reply on this question

    • Staff
      Elizabeth | February 17, 2015

      Hi Denis,

      Thanks for your question.

      The length of time it takes a balance transfer to be processed depends on the card you’re applying for. Some card providers take longer than others, and some may take as long as 30 days to process. If your balance transfer is time-sensitive then you may want to get in touch with the card provider before you apply to ensure your transfer will be processed in a timeframe that suits your needs.

      I hope this has helped.

      Thanks,

      Elizabeth

  4. Default Gravatar
    Dave | February 9, 2015

    My wife and I have used a VISA credit card for the last 30 years. We always pay off our debt at the end of the month and therefore pay no interest. (The interest rate therefore, does not affect my decision)We do have an American Express card (as part of the package)and use our ‘points’, accrued each month, to ‘buy’ rewards. However, our combined fees for the 4 cards (2 Amex, 2 visa) are over $150 per annum. What credit cards can my wife and I obtain which will not be as expensive as my Visa/amex and will give me ‘rewards’?

    • Staff
      Jonathan | February 9, 2015

      Hi Dave, thanks for your inquiry!

      Please see our page on Rewards Program Credit Cards. You can compare credit cards on their earnings rates, annual fees and interest rates.

      Cheers,

      Jonathan

  5. Default Gravatar
    margaret | February 4, 2015

    i can’t email my pay slip but will take to one of your branches if required is that ok

    • Staff
      Jonathan | February 5, 2015

      Hi Margaret, thanks for your inquiry!

      On the application form generally there are other methods of sending required documents (e.g. Australian Post). Although most banks support branch/ in-store visits, it would be best to contact the bank in advance beforehand.

      I hope this helps.

      Cheers,

      Jonathan

  6. Default Gravatar
    Kathy | February 3, 2015

    Is it a good idea to close the 2 cards I want to balance transfer before I apply for a new credit card with zero interest

    • Staff
      Elizabeth | February 3, 2015

      Hi Kathy,

      Thanks for your question.

      If you’re looking to transfer the balance from those two cards you won’t be able to close them until the balance has been paid off. This has to be done by either you paying off the balance yourself or when the balance transfer happens, which would have to be after you apply for the new card. After the balance is transferred you can feel free to close the two card accounts as you will have no outstanding balance left on the cards.

      I hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      Kathy | February 3, 2015

      Thanks for your reply.

      One more question, we have an ANZ Visa that we use to pay for everyday items, bills etc, as we all do at some point we spend more than we earn, we have an outstanding balance on this would it be a good idea to get 2 different 0% card to pay this as well??

    • Staff
      Jonathan | February 4, 2015

      Hi Kathy, thanks for your inquiry!

      In terms of balance transferring an outstanding balance/ debt to another card/’s please refer to our guide on balance transfers on this page.

      I hope this helps.

      Cheers,

      Jonathan

  7. Default Gravatar
    Kathy | February 3, 2015

    I am wanting to transfer 2 credit card balances to a zero interest card for a period of 16 to 24 mths, I am wanting to pay $60 a week to this card so I can repay the debt, which is a rough total of $8,000.00.

    Which card do you think would be best for me.

    • Staff
      Jonathan | February 3, 2015

      Hi Kathy, thanks for your inquiry!

      For balance transferring a debt to a new card please see this page. We have provided a calculator which you can utilise; by entering the amount desired for balance transferring and the current interest rates you are paying the calculator will generate the amount of savings you can make by choosing certain cards.

      I hope this helps.

      Cheers,

      Jonathan

  8. Default Gravatar
    Melinda | January 28, 2015

    I only need to borrow 3000 , which can be paid back in 6monthe . Which is the best credit card for me ?

    • Staff
      Jonathan | January 29, 2015

      Hi Melinda,

      Thanks for your inquiry.

      Please note that finder.com.au is an online comparison service, we are only licensed to provide general advice regarding the products we display. In regards to borrowing amounts the interest rate is an important factor. The amount and frequency of repayments will also affect the amount of interest on the amount/ principal. For a list of low interest rate credit cards and a guide on interest rates/ repayments please see this page, also see this page for a list of 0% purchase credit cards.

      I hope this helps!

      Cheers,

      Jonathan

  9. Default Gravatar
    Laura | January 27, 2015

    Hi we are a small business and as we travel a lot we would like a credit card that would earn us Qantas frequent flyer points. We would spend around $50,000 per month using credit cards, what would you suggest?
    Kind regards
    Laura

    • Staff
      Jonathan | January 27, 2015

      Hi Laura,

      Thanks for your inquiry,

      For a list of Qantas Frequent Flyer Credit Cards please see this page. Different card attributes such as bonus points, earning rates, annual fees and interest rates are displayed on the table.

      I hope this helps!

      Cheers,

      Jonathan

  10. Default Gravatar
    jon | January 25, 2015

    i want to get a 18 month on balance transfer interest free to pay off my partner credit card but the credit card was under her name. what can i do?

    • Staff
      Jonathan | January 27, 2015

      Hi Jon,

      Thanks for your inquiry,

      For more information on transferring a balance from another cardholder’s name and the list of providers who allow this process, please see this page.

      I hope this helps!

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated March 4th, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Visa
St.George Vertigo Visa
A low annual fee and low interest rate offer on balance transfers. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Receive 7500 Qantas Points and pay no annual fee ever. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 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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