Card Types
Card Tips
- Credit Card Articles
- Best Balance Transfer Guide
- Get the Most from Reward Programs
- Dodge annual fees
- Pay less credit card interest
- Dodge annual fees
- Paying the Full Balance
- Debt Consolidation
- Acceptable Referees
- Interest Free Days Explanation
- Credit Card Fraud in Australia
- Making Money with Credit Cards
- Regaining a High Credit Limit
- How to Pick a Credit Card
- An Unorthodox Way to Find Cards
- Stop your Application being Rejected
- Funding your Wedding with Credit Cards
- Compare Credit Cards
- Glossary of Credit Card Terms
Credit Card Offers
Compare Credit Card Offers featuring leading providers with online card application. Credit Cards including Virgin, Aussie, ANZ, Citibank, HSBC, Westpac, Commonwealth bank, Bankwest and many more.
To help you pick a better credit card deal perhaps read our things you need to know section which you can click to from the left navigation. Read a couple of articles before you start and browse through the reviews of each card to make a good comparison.
Listed on the page are the latest credit card offers available on the Australian market.
American Express Platinum Credit Card - Details and Application
Experience a whole world of untold privilege and recognition with the American Express Platinum Card through the access through to dedicated Platinum Concierge and Platinum Travel services and an elite level of travel, lifestyles and rewards offers. Have a look at just some of the exclusive benefits and privileges below.
Annual Fee
$900 p.aCash Advances/Withdrawals
YesInterest Free Period on Purchases
51Frequent Flyer
Access to dedicated Platinum Travel & Concierge 24 hours a day.Additional Card Holder Fee
NoMinimum Repayment Amount
Payment in full each monthRewards Points/Programme
Complimentary enrolment in Membership Rewards Ascent where you will earn 1.5 points for every dollar spent up to $200,000 each year.
American Express Platinum MoneyBack Card - Details and Application
Influence. Status. Privilege. Nothing impresses quite like Platinum. The American Express® Platinum MoneyBack Card opens a world of luxury and service.
-
The More you Spend the More MoneyBack you get
1% MoneyBack on all purchases. 5% MoneyBack in first 3 months Card membership (up to $300 MoneyBack)
You’re coveredWith 24-hour support and protection, you can call American Express about anything your Card does. Love shopping? You’re covered with Refund Protection, Purchase Protection2 and our extensive On-Line Fraud Guarantee3.
Make the most of your Card
Earn more MoneyBack using your Card to pay bill instead of other cards or cheques.
Apply for a free supplementary Card it all counts to your MoneyBack. Take advantage of exclusive deals and discounts with American Express Selects
- Supplementary Cards at no additional cost
- Interest Rate: 20.49%
- Balance Transfer: 6.99% for 6 months
- Annual Fee: $99
- Interest Free Days: 44
American Express Rewards Maximizer Card -Details and Application
There’s nothing more exciting than ticking something off your wish list. And with the American Express Rewards Maximiser Gold Credit Card you can make it happen sooner. Enjoy premium benefits and privileges and get the rewards you want fast, with no limit on the number of Membership Rewards™ points you can earn.
- Automatic enrolment in Membership Rewards™ Ascent
- No points limit or expiry as long as your account remains current
- Interest rate of 20.49% p.a.4
- Up to 55 Interest Free Days5
- Credit limit of up to $25,000 (subject to credit approval criteria)
- Balance Transfer - A 6.99% p.a. for life of balance6 - subject to our Interest Rate Policy7
- Global Customer Service
- Online Fraud Protection Guarantee8
American Express Business Accelerator Card - Details and Application
Numbers that give flexibility. The Business Accelerator Credit Card really stretches your cash flow, with up to 55 days interest free. You’ll earn 2 Membership Rewards points for every $1 spent up to $150,000 - reverting to 1 point for $1 thereafter (reset annually). These points are not capped and will not expire as long as your account remains current.
If you’re not completely satisfied with the Card within the first 90 days after the Annual Card fee is first applied to your Card, American Express will refund the $160 Annual Card fee.Guaranteed to Impress:
- The American Express Business Accelerator gives you automatic enrollment in our Membership Rewards program Choices option, giving you access to top class shopping and gifts.
- You can redeem your points for flights³ with no blackout dates or restrictions, giving you added flexibility and convenience.
- Your Membership Rewards points can also be used to pay off the balance of the Card4.
- You’ll earn points whether you’re using the Basic Card or one of the Supplementary Cards (with no annual Card fee).
- The Business Savings™ Program gives you access to great business discounts.
- The Annual $160 Card Fee is tax deductible if the Card is used solely for business7.
- 18.99% Interest rate.
- 55 days interest free.
GE Money eco MasterCard - Details and Application
The GE Money eco MasterCard is the 1st credit card in Australia with a dedicated program that purchases carbon offsets on behalf of cardholders via Origin’s Carbon Reduction Scheme. These contributions help fund projects such as reforestation, renewable energy, water and wastewater treatment, land and habitat conservation, energy efficiency and other environmental initiatives that meet the strict standards.
- 0% p.a. on balance transfers for up to 6 months
- Up to 55 days interest free on purchases
- $49 annual fee
- 18.49% p.a. standard annual percentage rate
- 19.99% p.a. cash annual percentage rate
Citibank Silver Credit Card - Details and Application
The Citibank Silver Credit Card gives you automatic benefits and a security guarantee. More features include:
- Citibank Silver gives you automatic benefits and a security guarantee.
- 2.9% for 12 months on balance transfers.
- Up to 55 days interest-free on purchases.
- Low annual fees for primary and additional cardholders.
- Free Rewards program with points that never expire and the option of Qantas Frequent Flyer Points.
- Free purchase cover insurance for lost, stolen or damaged goods.
- Extra security with a photo card, digital signature and Fraudshield protection.
ANZ Everyday Visa Debit Card - Details & Application
Have the freedom to shop anywhere with Worldwide Visa access. ANZ Everyday Visa Debit allows you to shop anywhere Visa is accepted - online, over the phone and overseas outlets. That turns out being over 24 million Visa outlets worldwide!
- Shop anywhere Visa is accepted - even overseas
- Unlimited ANZ transactions for $6 a month
- ANZ’s Online Guarantee and ANZ Falcon security
- Your choice of three card designs - blue, pink or black
- No credit check
- Students get a discounted monthly fee of $3
Bank of South Australia Platinum Card - Details and Application
The BankSA Platinum Credit Card is the ultimate shopping and travel card combining value, prestige and premium benefits. South Australian’s shouldn’t miss this opportunity at any cost.
- Low Platinum 14.25% p.a. purchase rate and 20.49% on cash advances.
- Low $89 Platinum annual fee
- 3.99% p.a balance transfer rate for up to 6 months
- Up to 55 interest free days on purchases*
- Domestic flight inconvenience insurance
- Insurance cover including: transit accident, purchase cover and extended warranty.
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Linked access to your other BankSA accounts for the ease of one card banking
- Exclusive Platinum card programs offered by Visa and MasterCard
- Instant discounts and added extras with BankSA Instant Benefits
Bank of South Australia Gold Low Rate Card - Details and Application
A low interest rate credit card, this offer from the Bank of South Australia is a hit among Australian consumers who generally are after a higher credit limit. Take advantage of the BankSA Gold Low Rate Credit card today, and receive more benefits including shopping and travel insurance.
- A low Gold card rate of 14.25% p.a for purchases and 18.25% for cash advances*
- Up to 55 interest free days on purchases*
- Annual fee of $79
- Higher credit limits – starting from $5,000.
- Comprehensive Insurance on Overseas Travel, Transit Accident, Extended Warranty and Purchase Cover.
- Up to 3 free additional cards for your friends or family, with all transactions on one statement.
- Linked access to your other BankSA accounts for the ease of one card banking.
- Instant discounts and added extras with BankSA Instant Benefits.
Citibank Personal Credit Card - Details and Application
Citibank Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.
- 6.9% p.a.* for LIFE on balances you transfer from non-Citibank credit cards, store cards and personal loans.
- SAVE with a low ongoing interest rate of 13.99% p.a.
- 13.99% p.a. on ANY purchases and cash advances.
- SAVE with no everyday transactional fees.
- NO transaction, ATM/EFTPOS or cash advance fees so even more money stays in your pocket.
- With $5,000 to $25,000 to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.
- Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.
St.George Vertigo MasterCard Credit Card Review
The St.George Vertigo MasterCard is the “Winner of Money Magazine’s Best of the Best Award for Cheapest Credit Card”, and with good reason.
The ideal credit card for Australian’s who love shopping with a low rate on purchases.
- A low rate on purchases of 11.89% p.a
- 0% p.a. balance transfer rate for up to 6 months
- Awarded Australia’s cheapest credit card – Money Magazine 2008.
- Up to 55 interest free days on purchases*
- Low $45 annual fee
- An additional card for a friend or family member, with all transactions on one statement
- Linked access to your other St.George accounts, for the ease of one card banking
- Instant discounts with St.George Instant Benefits
ANZ Balance Visa Card - Details and Application
The ANZ Balance Visa Credit Card - Earn Reward points every time you make a repayment. It’s Australia’s only credit card to reward you for reducing your balance.
- $57 Annual Account Fee + $22 Rewards Program Fee (per card)
- $10 additional card holder fee
- 20.99% p.a. interest rate on cash advances
- Up to 55 days interest free
- Up to $15,000 credit limit
- 1 Reward Point for every $1 you repay to your balance
- Choose how often and what you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards every 3, 6 or 12 months.
Commonwealth Bank No Annual Fee Card - Details and Application
The Commonwealth Bank No Fee credit card is ideal for occasional purchases or a handy source of credit in case of emergencies. Enjoy the security of emergency cash on demand with no annual fee to pay.
Important: When you’re at the application page and choosing which card you’re after, the no annual fee is not present. Click on Standard Mastercard or Standard Visa and the No Annual Fee will appear as an availability.
Commonwealth Bank Platinum Card - Details and Application
Compliment your lifestyle with a wide selection of outstanding rewards, travel services and benefits available exclusively to Commonwealth Bank Platinum cardholders.
- 20.74% p.a. on purchases AND cash advances
- Up to 55 days interest free
- $200 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Exclusive Platinum concierge service – just one phone call away
- Issued with chip for extra security
- Commonwealth Awards program + special Platinum offers & bonus points
- Additional cardholder for $15
St.George No Annual Fee Card - Details and Application
The St George No Annual Fee Credit Card - own a credit card with all the benefits you would expect from St George, with the added comfort of No annual fee’s.
American Express Blue Sky Card - Details and Application
Introducing the new Blue Sky Credit Card from American Express. Offering 50% OFF Blue Sky Flights until 2010 plus complimentary Domestic and International travel insurance.
- A low annual card fee of $95
- Earn 1 Blue Sky point per $1 spent
- No points expiry for as long as your account remains current
- 55 days interest free on purchases
- Complimentary Domestic and International travel insurance for you and your family
Commonwealth Bank Gold Card - Details and Application
Open up a world of exclusive opportunities with the Commonwealth Bank Gold Credit Card. Take advantage of exceptional Gold rewards every time you shop or pay a bill, and get a range of great travel benefits as well. A must for frequent international flyers and travelers.
- 20.74% p.a. on purchases AND cash advances
- Up to 55 days interest free
- $114 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Issued with chip for extra security
- Prestige Reward Program
- Additional cardholder for $15
- Free international travel insurance (for trips of up to 3 months)
- Free transit accident insurance
- Commission-free travelers cheques
- Your Global Connection (premium integrated travel services)
- World-wide access (over 24 million locations)
Commonwealth Bank Awards Card - Details and Application
Want to be rewarded for the money you spend on your credit card? Look no further than the Commonwealth Bank Awards Credit Card. Hit the shops, fill up the fridge, pay the bills - however you use your card, you’ll earn one reward point for every dollar you spend. Use your card instead of cash and be rewarded.
Commonwealth Bank Low Fee Card - Details and Application
With up to 55 days interest free on all purchases, the Commonwealth Bank Low Fee Credit card lets you shop now without paying extra in interest. Combine that with a low annual fee of just $24 and you’ll really start saving.
- 19.99% p.a. on purchases And 20.74% on cash advances
- Up to 55 days interest free
- $24 annual fee - $0 for Commonwealth Bank customers who pay $1000 or more P.A.
- Balance transfer rate 5.99% p.a. for 5 months
- Global access - over 24 million locations
- Issued with chip for extra security
- Online security guarantee
- Free additional cardholder
St.George Starts Low 12.99% Stays Low Credit Card - Review and Application
Looking for great credit card features that don’t expire after a time period? St.George Starts Low, Stays Low Credit Card - the one low rate for purchases and cash that’s guaranteed to stay low.
Up to 55 interest free days on purchases. $59 annual fee. Up to 3 additional cards for your friends or family, with all transactions on one statement. Linked access to your other St.George accounts for the ease of one card banking. Instant discounts and added extras with St.George Instant Benefits.
Online Credit Card Offers - Options For Good Credit Cards
Those of you who are looking to get the best options with your credit card, should first look into the terms associated with that card.
Money Magazines Best Credit Cards
Money magazine have recently reviewed all of the credit cards and have a best of the best list. You can watch the entire program at Ninemsn website.
Ninemsn Money Magazine Best Deals
Summary
Credit Cards
The cheapest credit cards as selected by money magazine.
Gold - St George / BankSA
Silver - Bendigo Bank
Bronze - Bankwest
Savings accounts
The best savings accounts to [...]
Commonwealth Bank Low Rate Card - Details and Application
Have high interest rates been an issue for you in the past? Pay less on your repayments with the fantastic low interest rate of the Commonwealth Bank Low Rate card.
- Low interest rate of just 13.24% p.a. on purchases and 19.99% on cash advances
- Low $48 annual fee
- Up to 55 days’ interest free on all purchases
- Even lower balance transfer rate of 5.99% p.a. for 5 months
- Free additional card for a family member or friend
- Online security guarantee
Click here for the official Commonwealth Bank Low Rate card offer.
Why Compare Credit Card Offers to Find the Best Deal
The Truth about Credit Card Offers
Why do the credit card providers off such incredible features like ‘interest free’ and ‘0% balance transfers’? What’s in it for them?
These might be some questions that have run through your head. They’ve certainly run through mine.
I am always more than a little skeptical about signs that shout out “Zero [...]
5 Ways you can Protect your Teenager from Credit Card Debt
Teenagers and Credit Cards
Plastic is the currency of the world we live in today. Teenagers when growing up want to access their money faster and make more considered decisions.
A credit card is a serious step in a childs financial literacy development, they can be very effective financing tools or can be terrible burdens if used [...]
Making Money with Credit Cards
The very idea of potentially making money from a credit card can, from time to time, seem incredibly far-fetched. However, it is something that is very possible, but requires you to have a bit of discipline. In essence, you are going to be taking money from the credit card company and then reinvesting [...]
Why Consider a Lower Interest Rate Credit Card?
Before even applying for a credit card, the first thing that people do is go out and try and find the lowest interest they can find. They want to get low interest credit cards for the off chance that they are unable to pay the credit card company back; they don’t want to be [...]
Citibank BP Credit Card - Details and Application
Drive your savings further with a credit card that gives you automatic savings on everything you buy. A credit card that gives you automatic savings on everything you buy anywhere.
With the BP-Citibank MasterCard the money you save is simply credited to your account.
- 5% off your petrol and everything else you buy at BP
- 1% off everything else you buy anywhere
- 2.9%p.a. * for 12 months for all balances transferred
Citibank Clear Credit Card - 55 days interest free Credit Card
At last a credit card that gives you a low interest rate of 0% on balance transfers for 6 months as well as a low interest rate of 11.99% p.a. on purchases*. With Citibank Clear Card, the choice has never been clearer.
- 11.99% p.a. interest rate ongoing for purchases.
- Access to your account anywhere, anytime via Internet and phone banking.
- Up to 55 days interest free on retail purchases.
- No annual fee for the first year.
Click here to see the official Citibank Clear Credit Card offer
St.George Gold Low Rate Card - Details and Application
A low interest rate credit card, this offer from St.George is a hit among Australian consumers who generally are after a higher credit limit. Take advantage of the St George Gold Credit card today, and receive more benefits including shopping and travel insurance.
- A low Gold card rate of 14.25% p.a for purchases and 18.25% on cash advances.
- Up to 55 interest free days on purchases*
- Annual fee of $79
- Higher credit limits – starting from $5,000.
- Comprehensive Insurance on Overseas Travel, Transit Accident, Extended Warranty and Purchase Cover.
- Up to 3 free additional cards for your friends or family, with all transactions on one statement.
- Linked access to your other St.George accounts for the ease of one card banking.
- Instant discounts and added extras with St.George Instant Benefits.
St.George Platinum Card - Details and Application
The ultimate shopping and travel card combining value, prestige and premium benefits. Don’t miss this opportunity for one of Australia’s favourite credit cards.
- Low Platinum 14.25% p.a. purchase rate and 20.49% on cash advances.
- Low $89 Platinum annual fee
- 3.99% p.a balance transfer rate for up to 6 months
- Up to 55 interest free days on purchases*
- Domestic flight inconvenience insurance
- Insurance cover including: transit accident, purchase cover and extended warranty.
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Linked access to your other St.George accounts for the ease of one card banking
- Exclusive Platinum card programs offered by Visa and MasterCard
- Instant discounts and added extras with St.George Instant Benefits
ANZ First Visa Card - Details and Application
The ANZ First Visa Credit Card has no annual fee for the first year, followed by a low annual account fee of only $30 or $26 if linked to an ANZ Access account, and you will also enjoy:
- $0 annual fee for the first year, followed by a low annual fee of $30 discounted to $26 if linked to an ANZ Access Account
- Up to 44 days interest free credit on purchases
- 7.99% Balance Transfer rate for the first 6 months.
- 19.99% Cash/Purchase Rate.
- 24/7 ANZ Falcon™ security protection
- Visa card acceptance at over 24 million locations worldwide
- Extended Warranty and 90-day Purchase Security Insurance+
- Online security guarantee means you won’t be liable for unauthorized fraudulent internet purchases
- Three additional cardholders at no extra cost
ANZ Rewards Visa Card - Details and Application
With one of the most flexible reward programs in Australia, you choose the way you’re rewarded from over 500 choices including cash back and shopping vouchers. Open up a world of opportunity with the ANZ Rewards Credit Card.
- Every purchase you make can help build your Reward Points balance faster.
- Accelerate your Reward Points by shopping at Bonus Partners or taking advantage of special Bonus Point Reward offers.
- You also have the ability to earn Reward Points at over 24 million locations worldwide, wherever Visa is accepted.
- Enjoy up to 44 days interest free on purchases with the ANZ Rewards Visa Classic card and up to 55 days interest free on purchases with the Gold card.
ANZ Rewards Visa Gold Credit Card - Details and Application
Earn a wide range of general rewards, redeem vouchers and receive products with the ANZ Rewards Gold Credit Card. ANZ lets you choose the way you’re rewarded. The ANZ Rewards Visa lets you choose from over 500 rewards including cash back and shopping vouchers. Purchases you make can help build your rewards points balance faster.
- Up to 55 days interest free credit on purchases
- Low annual fee of $57 + $22 Rewards Program Services Fee per card issued on the account.
- 7.99% Balance transfer rate for the first 6 months.
- Interest rate of 19.99% p.a.+
- Earn one reward point for every $1.50 spent on purchases (excluding cash equivalent transactions). Maximum spend of $100,000 per card account per calendar year.
- Earn Bonus Reward Points at Bonus Partners Australia-wide - Earn up to three Bonus Reward Points per $1 spent at Bonus Partners Australia-wide.
- Frequent flyer redemptions^
- ANZ Holiday Rewards™ - full service travel agent over the phone.
- Commission free travellers cheques
- Purchase security insurance
ANZ Gold Visa Card - Details and Application
The ANZ Gold Visa Credit Card has built in travel benefits including Comprehensive Overseas Travel and Medical Insurance* – so that you can travel overseas with peace of mind, knowing that you have one of the best travel insurance policies available through any Gold credit card in Australia.
You don’t even have to be an ANZ customer to apply.
- $87 Annual Fee with no supplementary extra card fees for up to nine people.
- 7.99% on balance transfers for the first 6 months
- 55 days interest free credit on purchases
- 19.99% Cash/Purchase Rate
- 90 Days Purchase Insurance with Security Warranty
- 5 days to receive your card after approved. It isn’t necessary to be an ANZ member to successfully apply for an ANZ credit card.
- Comprehensive Contents Insurance
ANZ Frequent Flyer Visa Card - Details and Application
Maximise your frequent flyer points along with ANZ Bonus Partner rewards with the ANZ Frequent Flyer Visa Card. You don’t even have to be an ANZ customer to apply.
- Earn unlimited Bonus Points* at over 2,000 ANZ Bonus Partner outlets.
- You can receive up to 2 Bonus Points* for every dollar spent at ANZ Bonus Partners.
- Visa acceptance at over 24 million locations worldwide.
- 44 Interest free days on purchases
- Interest rate 19.59%
- 24/7 ANZ Falcon™ security protection.
American Express Platinum Card - Details and Application
The American Express Platinum Credit Card - All the features and cover you’d expect from a Platinum card, along with the extra quality and prestige you would expect from American Express cards.
- $1 = 1.5 Frequent Flyer points, up to $100,000 p.a.
- Interest rate of 16.74% p.a.+
- Up to 55 days interest free if you choose to pay your balance in full
- Annual fee of $395.
- One free domestic return flight with Qantas per year
- Transfer your other credit card balances to a competitive rate of 6.99% p.a.^ for the life of the transferred balance subject to our interest rate policy
- Online fraud protection guarantee
- Overseas travel insurance
American Express Gold Card - Details and Application
The American Express Gold Credit Card - Receive the prestige and class you would expect from American Express along with the service and benefits of a Gold card.
- Low Interest rate of 12.99% p.a.
- No annual card fee for the first year, saving you $70
- Up to 55 days interest free on purchases*
- Option to join one of Australia’s leading rewards programs, where $1 spent = 1 Membership Rewards™ point and there’s no cap or expiry of points whilst your account is current
- Transfer your credit card balance to a low rate of 6.99% for 6 months subject to our interest rate policy
- An online fraud protection guarantee
Click here for the official American Express Gold Card offer.
ANZ Low Rate MasterCard - 0% on balance transfers for 6 months
If you’re after Low interest rates, interest free periods, 0% p.a. balance transfer in one card, look no further than the ANZ Low Rate Mastercard. You don’t even need to be an ANZ customer to apply.
- 0% p.a.balance transfer rate for the first 6 months. If you apply and transfer your balances from non-ANZ
credit, charge or store cards you can enjoy a 0% balance transfer rate for the first 6 months.
- Low interest rate of 12.99% p.a.
- Interest rate for cash advances is 20.99% p.a.
- Up to 55 days interest free credit on purchases
- $58 annual fee with up to 3 additional cardholders at no extra cost
- Receive your new ANZ Low Rate MasterCard within 5 days of approval.
Aussie Mastercard - Details and Application
The Aussie MasterCard isn’t your typical credit card - no high interest rates, no high annual fees, no meaningless reward schemes and other expensive features you’ll unnecessarily be paying for. The only thing typical is the service and quality you would expect from Aussie.
- Low interest rate of 11.99% p.a. on purchases (excludes cash advances)
- 55 days interest free credit on purchases
- 0% p.a. interest rate on balance transfers for the first 6 months.*
- A very generous 15.99% p.a. interest rate on cash advances.
- Online Shopping security guaranteed with MasterCard Securecode ™
- Get an online response in 60 seconds
- You don’t need to be an Aussie customer to apply.
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